CRE non-performing loans continue to be a problem. INVIZEN offers an end-to-end solution that gives CRE lenders and investors the peace-of-mind they have been looking for to make commercial lending more profitable and predictable – The Real-Time Status (or RTS) Asset Care Protection Program. RTS is specifically designed to reduce CRE loan and investment loss severity risk by providing real-time, proactive monitoring of the market and default risk issues for the full term of the investment holding period. The biggest cause of property bankruptcies is market disruption – changes in competition brought on by advances in technology that eventually lead to the inevitable non-performing loan and REO syndrome that plagues the CRE finance vertical. Market disruption events are played out in changes to risk ratings for Probability of Default (PD), the relative Exposure at Default (EAD) and Loss Given Default (LGD) calculations without any thought being given to managing the issues that cause these changes, instead; institutions have the terrible habit of trying to manage the calculations instead of the underlying risks that cause those changes. In the end, we have to have a serious discussion regarding technology risk, as technology risk management is the key to managing asset obsolescence risk, then yield maintenance risk and finally total investment loss risk. INVIZEN is designed to go after technology risk issues and harness them for opportunity.
FINRA Regulatory Notice 10-22 makes it really clear the government wants the CRE finance industry to clean up the property due diligence processes attending CRE securities private placement offerings pursuant to the Direct Participation Program. NNN property due diligence requires more of us now than just verifying the lease and making a guess about subjective measures such as “tenant quality”. Sears, ToysRUs, Caldor – the list goes way back in time and yet the losses have continued.
INVIZEN offers the only end-to-end solution specifically-designed to help end loan and investment losses in CRE securities private placement offerings by addressing the totality of the underwriting and due diligence issues in a real-time, proactive environment that only gets started with pre-closing due diligence. The INVIZEN RTS program is designed to help prevent the key risks from becoming future asset impairment problems while also proactively managing and/or deterring investment fraud, management performance and foreclosure default event exposure.
INVIZEN was purposely built to provide underwriting and due diligence reviews with one singular goal in mind: preventing future loss on capital investment made today.
To understand the INVIZEN value proposition is to understand the basic processes that attend the underwriting goal of using independent information to determine the value of an income-producing business asset. INVIZEN automates these processes so the cost of underwriting drops dramatically and the speed of processing increases dramatically as well. The underwriting happens in real-time and that means we can give CRE NNN property investors the luxury of future investment performance assurance by re-underwriting the transaction each and every month of the investment holding period to give you up to 24 months of advance notice of changes in the market, the asset or operations that may have an impact on the future income-generating capacity of the market, property and site. These notices can be both good and bad. INVIZEN has artificial intelligence at its core and computers don’t care if you have trash, it will still be another man’s treasure.
Find out more about how you can put an end to your non-performing loan issues by looking through our website or calling us at 832.663.9634. The protection is very affordable (check our pricing) so the issue is whether or not you like no pain like the old pain. You can leave it behind and look to other issues because this issue is one that can now be brought to a manageable level.