Investing with Unifund

Unifund’s experienced team of industry professionals is dedicated to providing our investors with consistent high-yield returns. We achieve this by educating our investors of the investment process.

The Investing Process

There are several steps involved in how Unifund locates a potential investment and securitizes it for our investors. The flow chart below presents a simple summary of how we do so.

• Qualified investors complete an Investor Worksheet and W-9 form.
• The wholesale lending division ascertains a trust deed investment opportunity and underwrites it to meet a high standard of quality.
• Unifund then pairs the trust deed investment opportunity with a qualified investor
• Unifund securitizes the trust deed investment for the investor through legal recording
• The investor receives monthly interest payments for the principal amount invested to acquire the trust deed.

Underwriting the Investment

As with any investment, there are risks. At Unifund, we seek to minimize the risks through our underwriting. Some techniques we apply in underwriting a potential investment include:

• Evaluating a borrower’s ability to repay debt
• Verifying a borrower’s employment status
• Requiring a Broker Price Opinion (“BPO”), a conservative determination of property value
• Maintaining minimum equity requirements in a property
• Controlling the title and escrow process
• Ensuring certain judgments, liens and other debts are paid off in full prior to the recording of an investment
• Forcing hazard insurance on all properties
• Preferring trust deeds secured by entry level and middle-market properties in stable or growing markets