by Chris Seveney | Feb 10, 2026 | blog
Most investors assume the primary risk in note investing is borrower default. That assumption is understandable. It is also not always correct. In practice, the losses that hurt the most rarely come from missed payments. They come from defects no one noticed at...
by Chris Seveney | Feb 8, 2026 | blog
Most people quote LTV when they talk about “risk.” But when you buy notes at a discount, LTV can describe the loan and still miss your exposure. At 7e, we track LTV, but we underwrite decisions around Investment-to-Value (ITV) because it ties risk to the...
by Chris Seveney | Feb 6, 2026 | blog
2026 is not repeating 2008 but it is reshaping real estate. While the headlines focus on rising foreclosure rates, the more critical story lies in what that data signals and how fund operators adapt in real time. At 7e, our view is not shaped by panic or press cycles....
by Chris Seveney | Feb 3, 2026 | blog
If your underwriting assumes a non-judicial foreclosure will resolve on schedule, you are not underwriting risk. You are transferring it to chance. This misconception shows up across note portfolios, even among investors who can recite statutes, notice periods, and...
by Chris Seveney | Jan 14, 2026 | webinars
Watch the Webinar Replay: Year In Review + What’s Coming in 2026 for Passive Investors in Mortgage Notes In this in-depth webinar, Lauren Wells and Chris Seveney walk passive investors through a 2025 year in review and a forward-looking 2026 outlook, covering...
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