Systems and methods to automatically generate a return target for a potential real estate deal based on supplemental deal information
First Claim
1. A computer-implemented method of generating return targets for potential real estate deals, comprising:
- receiving, by a computer, prior real estate deal information from a prior deal data source;
implementing by the computer a rule-based pricing system based on an analysis of the received prior real estate deal information;
receiving, by the computer real estate deal information associated with a potential real estate deal;
determining a collateral type associated with the potential real estate deal;
receiving, by the computer, supplemental deal information associated with the potential real estate deal;
automatically generating, by the computer, a base return target for the potential real estate deal based on applying the collateral type and the supplemental deal information to the rule-based pricing system, the base return target being at least one of;
(i) a return on investment value, (ii) a net income value, (iii) an internal rate of return value, and (iv) a loan spread value;
identifying a risk mitigant associated with the potential real estate deal based on the supplemental deal information;
identifying a risk adder associated with the potential real estate deal based on the supplemental deal information;
inputting into the computer a value corresponding to the identified risk adder and risk mitigant;
revising the rule-based system in accordance with the value of the identified risk mitigant and the value of the identified risk adder;
receiving, by the computer additional prior real estate deal information;
validating, by the computer, the revised rule-based system based on an analysis of the additional prior real estate deal information; and
automatically determining, by the computer, a return target loan spread for the potential real estate deal by adjusting the generated base return target in accordance with the value of the identified risk mitigant and the value of the identified risk adder, based on the validated rule-based system.
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Accused Products
Abstract
Systems and methods are provided to automatically generate a return target for a potential real estate deal based on supplemental deal information. According to one embodiment, a collateral type associated with a potential real estate deal is determined. For example, a deal originator may provide this information to deal controller via a communication network. Supplemental deal information associated with the deal is received, and a return target for the deal is then automatically generated based on the collateral type and the supplemental deal information. The return target may represent, for example, a loan spread required for approval of the deal.
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Citations
14 Claims
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1. A computer-implemented method of generating return targets for potential real estate deals, comprising:
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receiving, by a computer, prior real estate deal information from a prior deal data source; implementing by the computer a rule-based pricing system based on an analysis of the received prior real estate deal information; receiving, by the computer real estate deal information associated with a potential real estate deal; determining a collateral type associated with the potential real estate deal; receiving, by the computer, supplemental deal information associated with the potential real estate deal; automatically generating, by the computer, a base return target for the potential real estate deal based on applying the collateral type and the supplemental deal information to the rule-based pricing system, the base return target being at least one of;
(i) a return on investment value, (ii) a net income value, (iii) an internal rate of return value, and (iv) a loan spread value;identifying a risk mitigant associated with the potential real estate deal based on the supplemental deal information; identifying a risk adder associated with the potential real estate deal based on the supplemental deal information; inputting into the computer a value corresponding to the identified risk adder and risk mitigant; revising the rule-based system in accordance with the value of the identified risk mitigant and the value of the identified risk adder; receiving, by the computer additional prior real estate deal information; validating, by the computer, the revised rule-based system based on an analysis of the additional prior real estate deal information; and automatically determining, by the computer, a return target loan spread for the potential real estate deal by adjusting the generated base return target in accordance with the value of the identified risk mitigant and the value of the identified risk adder, based on the validated rule-based system. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. A deal controller, comprising:
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a processor; and a storage device in communication with said processor and storing instructions adapted to be executed by said processor to; receive prior real estate deal information from a prior deal data source; implementing a rule-based pricing system based on an analysis of the received prior real estate deal information; receive real estate deal information associated with a potential real estate deal; determine a collateral type associated with the potential real estate deal; receive supplemental deal information associated with the potential real estate deal; automatically generate a base return target for the potential real estate deal based on applying the collateral type and the supplemental deal information to the rule-based pricing system, the base return target being at least one of;
(i) a return on investment value, (ii) a net income value, (iii) an internal rate of return value, and (iv) a loan spread value;identify a risk mitigant associated with the potential real estate deal based on the supplemental deal information; identify a risk adder associated with the potential real estate deal based on the supplemental deal information; input a value corresponding to the identified risk adder and risk mitigant; revise the rule rule-based system in accordance with the value of the identified risk mitigant and the value of the identified risk adder; receive additional prior real estate deal information; validate the rule-based system with additional prior real estate deal information; and automatically determine a return target loan spread for the potential real estate deal by adjusting the generated base return target in accordance with the identified risk mitigant and the identified risk adder, based on the validated the rule-based system. - View Dependent Claims (12, 13)
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14. A medium storing instructions adapted to be executed by a processor to perform a method of generating return targets for potential real estate deals, said method comprising:
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receiving prior real estate deal information from a prior deal data source; implementing a rule-based pricing system based on an analysis of the received prior real estate deal information; receiving real estate deal information associated with a potential real estate deal; determining a collateral type associated with the potential real estate deal; receiving supplemental deal information associated with the potential real estate deal; automatically generating a base return target for the potential real estate deal based on applying the collateral type and the supplemental deal information to the rule-based pricing system, the base return target being at least one of;
(i) a return on investment value, (ii) a net income value, (iii) an internal rate of return value, and (iv) a loan spread value;identifying a risk mitigant associated with the potential real estate deal based on the supplemental deal information; identifying a risk adder associated with the potential real estate deal based on the supplemental deal information; inputting into the computer a value corresponding to the identified risk adder and risk mitigant; revising the rule-based system in accordance with the value of the identified risk mitigant and the value of the identified risk adder; receiving additional prior real estate deal information; validating the rule-based system with the additional prior real estate deal information; and automatically determining a return target loan spread for the potential real estate deal by adjusting the generated base return target in accordance with the identified risk mitigant and the identified risk adder, based on the validated rule-based system.
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Specification