Operating Under the Ex Nihilo Standard

Institutional Stewards of
Distressed Mortgage Capital

Expert NPL Resolution · Performance-Fee · No Overhead

New Day Asset Management resolves non-performing mortgages through disciplined workout — maximizing recovery, preserving homeownership, and delivering institutional-grade reporting to every partner we serve.

Explore Our Services Schedule a Portfolio Review

<1% Foreclosure Rate

~93% Collectability Rate (RPLs)

1,000+ Mortgage Assets Under Management

3% Monthly Resolution Rate

Two Ways to Partner

You Bring the Portfolio.
We Bring the Resolution.

Whether you hold distressed mortgage assets or need a trusted operator to build and manage a portfolio for you — our performance-based structure aligns our success with yours.

01 Primary Offering

Mortgage Workout Services

You own the mortgages. We manage every stage of resolution — borrower engagement, modification structuring, reinstatements, and liquidation strategy — entirely on a performance-fee basis. No staffing. No overhead. Fees earned only when you recover value.

Borrower outreach initiated within 30 days of boarding
Hardship assessment and resolution pathway structuring
Pre-authorized legal network at Fannie/Freddie pricing
AI-augmented sentiment scoring and call scheduling
24/7 blockchain-backed Vault reporting access
Quarterly scorecards and full audit trail on request

Send Your Tape →

02 Capital Partnership

Joint Venture Capital Partnership

Don't have a portfolio yet? You deploy the capital. We source, vet, and acquire the NPL pool — then manage every workout from intake through resolution. Your capital works. Our team executes. Proceeds are split 50/50 after return of capital and direct workout expenses.

New Day sources and underwrites every loan before acquisition
Segregated capital — no cross-collateralization between pools
Third-party custodian, fully independent from operator
Target net yield: 15%+ annualized (asset and deal dependent)
Resolution cycle: 12–24 months per pool
Right of first refusal on future pool opportunities

Discuss a Capital Partnership →

Who We Serve

Built for Institutions
That Demand Results

Our partners hold mortgage assets — or the capital to acquire them — without the internal infrastructure to resolve them at scale. We fill that gap entirely.

Mortgage & Note Funds

Funds holding $50M–$1B in NPL portfolios without internal workout capacity. We serve as your dedicated resolution operator on a performance-fee basis.

Family Offices

Passive capital partners seeking secured, asset-backed yield with institutional governance, third-party custody separation, and no operational involvement required.

Community Banks & Credit Unions

Regulated lenders managing NPL concentrations who need compliant, documented resolution processes without building internal workout teams.

Housing Finance Agencies

Quasi-governmental entities requiring default servicing partnerships with mission alignment — borrower retention and community impact built into every resolution.

Emerging Credit Funds

New funds entering the distressed mortgage space who need scalable NPL infrastructure and institutional-grade reporting without building it from scratch.

Private Lenders & Operators

Mortgage operators holding non-performing positions who value borrower-first resolution strategies over liquidation — and need a partner with the track record to prove it.

Ideal Partner Profiles

Qualification criteria for both service tracks

Mortgage Workout Client

Holds NPL portfolios of 20+ mortgage assets
$50M–$1B in mortgage notes under management
Lacks internal workout team or capacity
Requires compliant, documented resolution processes
Values borrower retention and community impact
Florida or national geographic footprint

Capital Partner (JV)

$1M–$7M deployment capacity per pool
18–24 month investment horizon
Preference for secured, asset-backed yield
Values third-party custody and institutional governance
Accredited investor — individual or institutional
Seeks passive exposure, no operational complexity

Track Record

Performance Built Over
a Decade of Execution

In practice since 2013. NDAM formally incorporated 2019. Every metric below is earned through disciplined, borrower-first resolution — not liquidation.

<1%

Foreclosure Rate

We exhaust every resolution pathway — modification, reinstatement, short sale — before foreclosure. Sub-1% is not a target. It is our standard.

~93%

Collectability Rate for RPLs

Across the managed portfolio. Our borrower-first engagement model converts non-performing assets into re-performing loans at scale.

1,000+

Mortgage Assets Under Management

Every asset managed under the same institutional process — regardless of pool size or geographic footprint.

Monthly Resolution Rate

~3% of portfolio resolved monthly. Consistent throughput driven by AI-augmented operations, a national attorney network, and licensed servicer partnerships.

The Phoenix — NPL Rebirth

Every non-performing loan represents a homeowner and an asset waiting to perform again. Our 93% collectability rate is proof that transformation — not liquidation — is the right strategy.

The Shield — Capital Protection

Third-party custody separation, no cross-collateralization between pools, and institutional-grade governance at every stage. We protect investors and homeowners alike.

The Forge & Hammer — Structured Outcomes

We take raw distressed assets and build durable, documented resolutions. Modifications structured to hold. Reinstatements that stick. Every resolution built to last, not rushed to close.

Partnership Structure

How the Economics Work

Performance-only fees. Our incentives are fully aligned with your outcomes. New Day earns nothing until you recover value.

JV Capital Partnership — Waterfall

Proceeds from every resolved loan flow in this order

Return of Capital

Your full principal is returned first, without exception.

Workout Expenses

Direct costs — legal, collateral, due diligence — reimbursed before any profit is calculated. (does not include servicing fees)

50/50 Net Profit

Remaining net profit split equally between capital partner and New Day.

Repeat & Scale

Capital partner holds right of first refusal on future pool opportunities.

Mortgage Workout Services — Performance Fee Schedule

All fees performance-based. New Day earns only when you recover value.

Resolution Type	Fee	Notes
Payoffs	TBD upon portfolio review	Net Profit = Resolution Proceeds − Acquisition Cost − Direct Workout Expenses
Reinstatements	TBD upon portfolio review	Borrower reinstates loan to performing status
Loan Modifications (NPL → RPL)	TBD upon portfolio review	FMV of RPL at 12% yield discount
Modification Down Payment	TBD upon portfolio review	Applied when modification includes upfront payment
Foreclosure / REO Disposition	TBD upon portfolio review	Only pursued after all other resolution paths exhausted
Due Diligence / Boarding Fee	$85 (1–100) · $75 (101–250) · $60 (251–500)	Per loan. Custom pricing above 500 loans.
Pre-Authorized Legal	TBD upon portfolio review	National attorney network at Fannie/Freddie pricing guidelines
Tail Fee (if removed pre-resolution)	TBD upon portfolio review	For loans removed while in active resolution

Engagement Process

From tape delivery to returns — four phases, fully managed

Phase 1

Portfolio Intake

Tape review, due diligence support, asset-level analysis, collateral file delivery, and onboarding to AI-powered tracking system.

Phase 2

Borrower Engagement

Direct outreach to every borrower within 30 days. Hardship assessment, resolution pathway structuring, AI-assisted sentiment scoring.

Phase 3

Resolution Execution

Modifications, reinstatements, payoffs, and short sales executed with legal partner coordination and full documentation at every stage.

Phase 4

Reporting & Returns

24/7 blockchain-backed Vault access, quarterly scorecards, resolution summaries, proceeds distribution, and full audit trail on request.

Begin the Conversation

Schedule a
Portfolio Review

Send us your tape. We will return a resolution strategy and fee projection within 5 business days.

Martin Saenz

Founder & Visionary

Email [email protected]

Phone

Office 1255 N. Gulfstream Ave., Suite 101
Sarasota, FL 34236

Operating Under

The Ex Nihilo Standard

Creating value from nothing through discipline, craft, and relentless execution.

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