A posting is a deadline, not a verdict. Lenders pull sales for funded plans — principal, not promises — and the monthly re-posting cycle ends only when the number moves. The land under the property is typically 30–40% of its value: sold and leased back, it funds the reinstatement or, with a right-sized leasehold loan, the payoff. You keep the building.
| Stage | The move |
|---|---|
| Posted, sale weeks away | Get the land number now. A credible, principal-funded reinstatement or payoff plan is what convinces a lender to pull the sale — and an indicative land value plus a leasehold-loan path is a fundable plan, not a stall. |
| Pulled once already, re-posted | The re-posting cycle is the tell that the plan was never funded. Land proceeds go to the lender as principal; the remaining balance restructures onto the leasehold at a size the income actually carries. The cycle ends because the number moved. |
| Cure vs. full payoff | Sometimes the land alone reinstates the loan; on bigger gaps, land money plus a right-sized leasehold loan reaches the payoff. Either way, you keep the building and the upside — the outcome a courthouse-steps sale never offers. |
| Too far underwater | Honesty matters: if the debt is far beyond the property's whole value, a capital structure cannot fix it — that is a discounted-payoff negotiation, not a ground lease. We will tell you which one you have. |
Speed: the inputs are the address, the income, and the payoff number — the same three things your lender's notice already forced you to know. The indicative number comes back fast.
Usually, until the gavel: lenders routinely pull sales for a funded reinstatement or payoff plan. What they do not do is pull sales for promises. A land sale under the property produces the principal that makes the plan real.
It means the lender still prefers a solution to owning the asset — but each cycle burns fees, default interest, and goodwill. The pattern ends when principal moves. That is what the land layer is for.
An indicative number needs the address, the income, and the payoff quote, and comes back fast. Full execution runs on standard underwriting and title; a posted sale date focuses everyone, including us.
Then no capital stack fixes it and anyone who says otherwise is selling something. That situation is a discounted-payoff or note-purchase conversation. We underwrite honestly and will tell you which side of that line you are on.
Address, income, payoff quote — the three things the notice already made you learn. The indicative land value comes back fast.
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