Our Core Competencies
By marrying machine learning-based quantitative models with fundamental real estate analysis, we intelligently select, valuate, purchase, and work-out Non-Performing second Liens (NPL’s).
We leverage deep industry connections to source residential Non-Performing second Liens (NPL’s) from banks, investment firms, accredited investors, and trustees.
Lien Portfolio Transactions
Occasionally, we sell select residential Non-Performing second Lien (NPL) portfolios to accredited investors and firms. Please join our mailing list if you would like to see our listings.
To help educate investors and advocate for the industry, we aggregate data and publish research on the markets in which we participate.
Who We Are
We are a team with cross-functional expertise in credit modeling, finance, real estate, and technology.
Founded in 2017, LienIQ is focused on understanding illiquid, off-the-run consumer credit opportunities - specifically on the US non-performing, residential second lien market. The team has extensive experience in consumer credit markets with competencies in analytics and investing. By evaluating second lien portfolios from third party brokers and community banks, the team discovered that a rigorous, model-driven approach was lacking and that using a scale-able second lien portfolio pricing engine would provide smaller participants a marked advantage. In response to this insight, the team created the proprietary lien scoring system to price these claims.
Team members have previously built operational valuation engines for consumer credit assets including consumer, small business, and auto loans.
We have the know how to probability weight exit scenario cash-flows and perform fundamental capital structure analysis on lien collateral.
With experience managing physical assets, we can handle scenarios where real estate is auctioned, rehabbed, and sold-off.
By leveraging best-in-class cloud computing and programming practices, we maximize speed and efficiency.
Michael Soliz Jr
LienIQ is founded to capture unique, distressed consumer credit opportunities utilizing a quant model-based approach.
The team completed the 1st version of its prop credit model, evaluated $5+MM of non-judicial second liens, purchased liens to workout, and published its ICO whitepaper.
We are planning to complete the ICO and use the proceeds to enhance our modeling suite, which includes improvements in data, human capital, and technology.
After Q1 2018
LienIQ intends to be completely operational and fully deployed in purchasing and working out distressed consumer credit asset portfolios.