The Premier Partner in the Investment, Management and Equitable Resolution of Distressed and Under-Managed Real Estate Debt, Upholding the Highest Ethical Obligations Within the Financial Community.
National and Regional Commercial Banks
Community Banks and Credit Unions
Mortgage Insurance Companies
Government Sponsored Enterprises
Federal Deposit Insurance Corporation (FDIC)
Banks with Loss Share Agreements
Joint Venture Structure
Dyck-O’Neal’s unique joint venture structure allows us to effectively resolve judgments, deficiencies and charged off accounts. This joint venture structure allows our bank and credit union partners to contribute assets and leverage Dyck-O’Neal’s experience in debt resolution, while providing a hedge against associated expenses for unsuccessful recovery pursuits.
Whole Loan Purchase Transactions
We are also an active purchaser of mixed performance real estate secured loans and portfolios, judgments, charge-offs, and deficiency balances resulting from prior foreclosures. We purchase participations, Troubled Debt Restructures (TDR’s), and over-concentration accounts based on the balance sheet management needs of our partners. We seek to modify, rehabilitate and incubate struggling borrowers in a buy and hold strategy.
Traditional Third-Party Structure
Dyck-O’Neal utilizes a third-party resolution model for partners that do not wish to transfer ownership of accounts. This arrangement provides a traditional structure while utilizing Dyck-O’Neal’s people and systems for account resolution. We are able to complement and enhance our partners’ internal capabilities while utilizing this type of structure.
Maximize the return on each asset based on its specific situation
Reduce portfolio concentrations and remove potential troubled assets from balance sheets