Patent ID: 7606755
Filing Date: 2009-10-20
Classification: G06Q

Abstract:
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.