Portfolio Inspections
We physically inspect your collateral properties to provide you with the detailed insights you need to
make informed lending decisions, mitigate risks, and optimize the performance of your lending portfolio.
Our evaluation focuses on these key areas:
Property Condition.
As vacancy increases, so does the risk to properties, and owners can be less motivated to properly maintain your collateral. We provide you with a detailed report on the physical condition of each collateral property, ensuring you have a clear understanding of any deferred maintenance existing issues or potential maintenance requirements.
Are there any signs of neglect, needed repairs, or deferred maintenance?
Does the roof have any signs of damage, leaks, or deterioration?
Are the exterior walls free of cracks, water stains, or structural issues?
Is the building secure, or are there broken windows, damage, or other security concerns?
Is the landscaping well-maintained? Or are lawns dying and weeds overgrowing?
Are you at increased fire risk, especially during fire season?
Occupancy Evaluation.
In the era of remote work, accurately assessing tenant occupancy is crucial for lenders. Our Portfolio Inspection Report provides insights into the actual occupancy status of each collateral property. By giving you a current snapshot of tenant occupancy, we help you navigate the changing landscape and make informed lending decisions.
Identify whether the property is vacant, partially occupied, or fully occupied.
Tenant Identification: Identify any occupants or subtenants.
Note potential issues such as transient camps, unauthorized occupation, and related maintenance needs.
Property Security: Assess the level of security measures in place to protect against break-ins, vandalism, theft, or unauthorized access.
Fire Hazards: Assess the risk of arson in vacant buildings.
Neighborhood Surroundings.
As part of our comprehensive Portfolio Inspection Report, we also evaluate the neighborhood surroundings of each collateral property to provide you with a holistic understanding of its immediate environment. We shed light on the neighboring properties and their role in shaping the overall appeal and potential risks associated with your collateral.
Occupancy Status of Adjacent Properties including whether they are fully occupied, partially occupied, or unoccupied.
Evaluate the vibrancy of the surrounding properties, looking for signs of activity, thriving businesses, and a positive community atmosphere.
Assess the general condition of neighboring properties to determine if they are well-maintained or neglected.
Maintain a pulse on upcoming projects, businesses, and developments in the neighborhood.
