NON-PERFORMING LOANS

AN “ALTERNATIVE INVESTMENT”  FOR INVESTORS SEEKING HIGHER RETURNS

VOTED “TOP 20”
MORTGAGE LENDER IN SOUTH FLORIDA

VOTED “TOP 20”
MORTGAGE LENDER
IN SOUTH FLORIDA

brickell capital was voted top mortgage lender by the South Florida Business Journal (South Florida’s leading news outlet for residential and commercial real estate, banking, finance and business news).


Our investment objective 

brickell capital is seeking strong risk-adjusted investment returns with a minimum rate of return of twenty-five percent (25%) or more over the investment term (6m to 18m) on capital invested.                        

We invite you to partner with brickell capital.

WHAT IS A NON-PERFORMNG LOAN ?

A non-performing loan (NPL) is a mortgage loan in which the borrower has defaulted on a schedule payment or breached the terms of the loan documents.

 

WHY BANKS SELL LOANS ?

When a borrower stops making payments, the bank can either initiate a foreclosure or it can sell the loan to a private investor.  

The banks sell non-performing loans to free up capital and focus their resources on income generating loans.  

HOW WE EXPLOIT BANK INEFFICIENCIES ?

The banks are not set-up to efficiently service defaulted loans, manage the foreclosure process, or manage REO properties.  

It is our goal to exploit these market inefficiencies for the benefit of our clients and investors.

OUR COMPETITIVE ADVANTAGE
NON-PERFORMING MORTGAGE LOANS

 

brickell capital’s competitive advantage in achieving favorable outcomes is based on: 

 

  • local and national bank relationships
  • extensive risk analysis 
  • strict underwriting guidelines 
  • borrower and collateral analysis
  • defined borrower exit strategies
  • loan workout knowledge 
  • foreclosure litigation experience
  • local property market expertise
  • adherence to value parameters
  • loan servicing administration 
  • REO management 
 
 

OUR PURCHASING GUIDELINES

Our criteria for purchasing non-performing loans:

  • $500,000+  min loan size
  • < 50% loan to value (LTV)
  • First-Lien Mortgages
  • Targeted Geographical Areas
  • Non-Homestead (Investment) Properties
  • Payment Defaulted Loans 
  • Ability to Collect 25% Default Interest 
  • Hazard Policy and Title Policy (Insurable)

TARGETED PROPERTY TYPES

We only purchase non-performing loans where the underlying collateral is one of the following property types:

  • Single Family Residences
  • Residential Condominiums                                                                         
  • Luxury “Spec” Homes + Townhomes
  • Residential New Construction                                                                    
  • Vacant Land
  • Multi-Family Apt Buildings
  • Warehouses

VOTED “TOP 20”
MORTGAGE LENDER IN SOUTH FLORIDA.

VOTED “TOP 20”
MORTGAGE LENDER
IN SOUTH FLORIDA.

brickell capital puts our client’s interests first,

because without our clients …
brickell capital would not be in business.

brickell capital
puts our client’s interests first,


because without our clients …
brickell capital would not be in business.

15% PREFERRED RETURNS

On non-performing loans, our private investors net

  • 15%     preferred returns (on invested capital)
  • 12m    investment term (avg)
  • $500,000+   minimum investment

     

On non-performing loans, our private investors net

  • 15% preferred returns (on invested capital)
  • 3m to 12m investment term (avg)
  • $500,000+ minimum investment 


OUR INVESTMENT APPROACH

No excuses  … we deliver results

The reason for our success:           
  • extensive due diligence
  • superior underwriting
  • foreclosure litigation experience
  • structured exit strategies

No excuses  … we deliver results

The reason for our success:           

  • extensive due diligence
  • superior underwriting
  • foreclosure litigation experience
  • structured exit strategies

NON-PERFORMING LOANS
FOR INVESTORS
SEEKING HIGHER RETURNS

brickell capital’s competitive advantage in achieving favorable outcomes is based on:


  • long-term relationship with banks 
  • local property market knowledge 
  • strict underwriting experience
  • borrower and collateral valuation analysis
  • adherence to value parameters
  • NPL risk score analysis 
  • detailed investor reports + statements
  • extensive foreclosure + litigation experience 
  • structured loan workout administration
  • REO management