They can improve their ROI by knowing when and where to buy or sell. For firms offering mortgages or mortgage insurance, they can create better pricing and underwriting models. You can target more promising areas while avoiding problematic areas. Firms will also have better intelligence to help them re-balance a portfolio of loans or re-insure an insurance portfolio.
Zip Analyser can help users learn of growing and declining neighborhoods before the accurate prices are reflected. For example, an investor wants to buy property in Atlanta or Dallas. He knows these are promising markets, but exactly where in these cities should he be looking, and where should he avoid? As a user of Zip Analyser, he can enter in the metro area and learn exactly which neighborhoods in each of these cities have the highest income, lowest unemployment, highest population growth, etc. Furthermore, he can compare one neighborhood with another in the same city or different cities. The Zip Analyser’s platform will also show users which areas to avoid and are on the decline.
Examples
For example, a nationwide real estate portfolio manager can establish alerts to be alerted to neighborhoods that hit specific criteria (i.e., out-migration and increasing unemployment) and could lead to price declines. With this information, the portfolio manager decides to sell assets now in problematic neighborhoods rather than wait for lower prices. Another example, a mortgage insurance company can be alerted to neighborhoods where unemployment is increasing, and incomes are declining and re-price their offer, or change guidelines or procedures, or re-focus new business efforts in more promising areas.
Another example, a mortgage service firm can begin loss mitigation efforts sooner in problematic neighborhoods when a borrower shows signs of trouble. The examples above will result in Zip Analyser users, increasing their return on investment, identifying buying or selling situations, and potential mitigating losses.