A conventional conforming loan is a fixed thing but with a portfolio loan a lender you build a relationship might do loan modifications at your request.

While this means accessing the wall cavities to install insulation, which often necessitates removal of the old lath-n-plaster, we do make efforts to preserve the mouldings and trim as it is integral to the ambiance of the house - tenants looking for flats in Victorian or Second Empire buildings are expecting the ornate.We also try to strike a balance between the compartmentalised layout of these old buildings and today's trend/desire for "open concept".

It is important to note that each Public Housing Authority has its own modification on the HUD guidelines so what is true in 1 city may not be true in another.

There won't be any "forbearance" or "workouts" or "loan modifications".

most forbearances are not recorded so no way to know. modifications are recorded so you can search by modifications. 

Now no one can tell you how to create your business, a big part of it comes out of working in the business over time.Just for "working the deals" area you mentioned, there are multiple tasks and systems that could be built out within each of these:- Internal/External Administration (loan boarding, document management, uploading data into your database, letter campaigns, recording an Assignment, etc)- Borrower Management (discovering if properties are vacant, borrower intent, etc)- Potential Exit Strategies (which are based on the asset category you're working within - but could include processes for REO's, Loan Modifications, Deed-in-Lieu, Foreclosure, etc)- Risk Management (senior lien monitoring - with 2nd liens, taxes, insurance, general legal, compliance, etc)It may be too much to put into just one forum post but this should start give you an idea of the tasks at hand.

It has affected how attorneys have chosen to do these types of transactions, and the different attorneys have done different modifications to how they operate as a result of the opinion.

I want to calculate for reinstatement (and modification) and for foreclosure (and deed in lieu). 

Are there any modifications to the written lease?

This contract is contingent upon the Buyer reaching a satisfactory agreement with the mortgage holder as to a modification of the existing debt and the mortgage on the subject property.