AN “ALTERNATIVE INVESTMENT” TO STOCKS, BONDS AND CURRENCY MARKETS
brickell capital was voted top mortgage lender by South Florida Business Journal (South Florida’s leading news outlet for residential and commercial real estate, banking, finance and business news).
Most ultra high-net-worth investors have over 50% of their portfolio assets in “alternative investments” (i.e. non-performing loans)
50% Alternative Investments 10% Fixed Income
31% Listed Equities 9% Cash (or Cash Equivalent)
The benefits of “alternative investments:
A non-performing loan (NPL) is a mortgage loan in which the borrower is in default of the note or the loan documents (i.e. non-payment, etc.) Generally, a bank shall classify a mortgage loan that is more than 90 days past due as an NPL.
When a borrower stops making payments, the bank can initiate a mortgage foreclosure or it can sell the NPL to a private investor. When a bank has too many NPL’s on their balance sheet, it poses a cash flow problem for the bank since it is no longer earning income from its credit business and also creates numerous regulatory banking issues (i.e. mandatory reserves, banking oversight, etc.)
Banks are not set-up to efficiently service NPL’s, manage the foreclosure process, conduct property management or sell real estate owned (REO) properties. It is our goal to exploit these market inefficiencies for the benefit of our clients and investors.
As a direct result of federal and state regulations together with bank capital requirements, the real estate sector and the traditional banking sectors consistently allow for market inefficiencies to be exploited and value extracted in distressed (or non-performing) mortgage loans.
Our competitive advantage:
Based on our experience and current market environment, the following is our targeted NPL portfolio.
20% Defaulted Loans (Pre-Foreclosure Workout)
40% Non-Performing (Foreclosure)
20% REO Acquired Properties (Post-Foreclosure)
Our priority is safeguarding our investors and the invested capital. We only purchase NPL’s where the underlying collateral is on the following property types.
20% Single Family Residences 20% Residential Condominiums
20% Luxury Townhomes 20% New Construction
10% Multi-Family Apt Bldgs 10% Vacant Land
customized financing solutions
non-traditional loans for non-traditional borrowers
We do not think “outside the box” … we think “there is no box”
On non-performing loans, our investors net:
No excuses … we delivers results
The reason for our success:
brickell capital’s competitive advantage in achieving favorable outcomes is based on:
801 Brickell Avenue
8th Floor
Miami, FL 33131
(305) 325-1010
