09/09/2026
Two years. $10,000 to $15,000 in legal fees. That's what one investor's silence cost them.
Unfortunately, we've seen it before. Recently, when a deal started going sideways for a borrower, instead of picking up the phone, they went quiet. By the time anyone was talking again, most of the good options were off the table. The loan spent close to two years winding through the legal process before landing on an outcome that could have been settled a lot sooner, for a lot less.
Most people don't think this way, but a missed payment is a conversation starter. Repayment plans, forbearance, loan modifications, short sales, deed-in-lieu. Lenders have a lot of options to support borrowers in a struggling deal. They just require you to show up before the situation gets decided for you.
Timing is key. The investors who come out fine on a bad deal all do the same thing early: they call.
At Rain City Capital, our mission is Real and Lasting Mutual Success. That means we want you to win, and that means when your deal starts to go sideways (and it eventually happens to us all), we're here to help.
Learn more: https://www.raincitycapital.com/about
