Exit & Resolution PlanningStress tests also consider what options exist if conditions deteriorate — such as restructuring, foreclosure, or selling collateral — and how long and costly those paths might be.How It’s Used in PracticeImportantly, there isn’t a single “official” or universally standardized stress-testing method required for real estate note deals.

The third-party reporting you’re referencing is inaccurate and does not reflect the loan restructures we completed in the first half of 2025.

Investors typically rely on: Private capital, Local private lenders who offer small-balance short-term notes, Or restructuring their primary refinance to free up capital sooner. 

Be willing to revisit and restructure as your interested markets change, your financial landscape improves, and goals evolve!

We understand that it’s a big loss but we are looking to the best strategy to beat the situation and restructure our portfolio from this and get something else that performs if we can get anything from this.

I’m seeing more landlords restructuring debt to improve monthly performance — especially on older loans.

The seller that gave up 60%, how did y’all arrange the operating agreement where the seller would not interfere or get in the way with you doing your expertise on the properties to sell and/or  restructure loan ect.?

Now you’re restructuring your entire portfolio....retitling properties, updating insurance, revising leases, notifying lenders, and untangling years operations.

That disrupted the capital call and crushed restructuring talks.

First is the notes that with restructuring can be made performing.