Our wide network of contacts within the banking industry allows us to uncover mortgage loan opportunities that other buyers may not find. As loan servicer, Vertical Capital also has access to information unavailable to most institutional investors.
Through “single source accountability”, Vertical Capital acts as the servicing agent as well as the lender. This combination of roles ensures that Vertical Capital has additional access to information on pricing trends and portfolio opportunities.
To succeed in this arena, you need experts like us, who have been in the ring, fought and survived in this highly specialized marketplace.
The difference between a performing loan and a non-performing loan can be as little as one day – and can be the deciding factor in whether or not to purchase a loan
We have specialized access to information through “single
source accountability”
To understand the potential advantages of whole mortgage loans over other real estate investments, one only needs to take a closer look at Residential Mortgage-Back Securities (RMBS).
Agency and non-agency RMBS account for an $8.2 trillion market. While they offer a combination of guarantees as well as income generation, Vertical Capital views whole mortgage loans as having distinctive advantages over RMBS as shown in this accompanying table.
A mortgage-backed security (MBS) is an asset-backed security that represents a claim on the cash flows from mortgage loans through a process known as securitization.
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Through “single source accountability,” Vertical Capital acts as the servicing agent as well as the lender. This combination of roles ensures that Vertical Capital has additional access to information on pricing trends and portfolio opportunities.
The Fund will invest the majority of its assets in securities secured by real estate, its portfolio will be significantly impacted by the performance of the real estate market and may experience more volatility and be exposed to greater risk than a more diversified portfolio.
