To make sure you're getting fair market rate for your contract or note, we ask simple questions about the following three categories:

• What type of property is it?
• Where is it located?
• How easily could it be resold if the contract went into default?
• How long has the current borrower been making payments?
• Have the payments been made on time?
• Does the borrower have a good credit history?
• What is the current balance of the contract?
• What is the interest rate?
• How long will it take to collect all the payments?

Consider the time value of money. When considering real estate contracts, the future value of money is impacted not only by inflation, but by other factors as well, such as default risks. That's why the amount of cash we can pay for a contract is directly affected by how long we must wait for the remainder of the payment, under the terms of your contract.

So yes, your contract will be discounted, but we'll do whatever we can to give you fair market value. Just keep in mind that immediate cash is more valuable than future money.