Risk Scoring
Evaluate due-on-sale clause risk based on lender, loan type, and market conditions.
7-Factor Due-on-Sale Risk Model
Our proprietary risk scoring engine evaluates seven weighted factors that lenders actually use when deciding whether to enforce the due-on-sale clause. Each factor is scored independently and combined into a single 0-100 risk score.
- Lender type scoring: national banks vs credit unions vs portfolio lenders
- Loan seasoning analysis: newer loans carry higher enforcement risk
- Transfer method comparison: land trust vs direct deed vs LLC transfer
- Insurance and occupancy change detection flags
Actionable Mitigation Strategies
Understanding your risk score is only half the battle. The analyzer shows you exactly which factors are driving your score up and gives you concrete steps to reduce it before you close.
- See which factors contribute most to your risk score
- Compare risk profiles across different transfer methods
- Evaluate payment history impact on lender behavior
- Make informed decisions about deal structure
Sample Output
See what this feature calculates for you.
Risk Scoring
Risk Score
72/100
Monthly CF
+$680/mo
Equity Captured
$45,000
Existing Rate
3.75%
Ready to Use Risk Scoring?
Get access to this feature and everything else in Subject-To Deal Analyzer.