Distressed Property Advocacy
When the mortgage is behind and the lender is not listening, we prepare the package, negotiate the short sale or loan modification, and protect your equity.
Schedule a Consultation
Hablamos Español
Distressed Property Advocacy
When the mortgage is behind and the lender is not listening, we prepare the package, negotiate the short sale or loan modification, and protect your equity.
Schedule a Consultation
Hablamos Español
Distressed Property Advocacy
When the mortgage is behind and the lender is not listening, we prepare the package, negotiate the short sale or loan modification, and protect your equity.
Schedule a Consultation
Hablamos Español
A missed payment is a financial problem before it is a legal one. In Texas an attorney and an accountant handle the file; in Florida we act as a licensed real estate broker and bring in Florida counsel for the modification. English or Spanish, from the first letter to the closing or the approval.
A missed payment is a financial problem before it is a legal one. In Texas an attorney and an accountant handle the file; in Florida we act as a licensed real estate broker and bring in Florida counsel for the modification. English or Spanish, from the first letter to the closing or the approval.
A missed payment is a financial problem before it is a legal one. In Texas an attorney and an accountant handle the file; in Florida we act as a licensed real estate broker and bring in Florida counsel for the modification. English or Spanish, from the first letter to the closing or the approval.
ABOUT THIS SERVICE
ABOUT THIS SERVICE
HOW WE WORK
HOW WE WORK
Four Steps From the Default Notice to a Resolution
Four Steps From the Default Notice to a Resolution
Four Steps From the Default Notice to a Resolution
01.
01.
01.
Situation Review
Situation Review
Situation Review
We review the loan, the notices, the property value and your income, and explain every option, including the ones that do not involve us.
We review the loan, the notices, the property value and your income, and explain every option, including the ones that do not involve us.
02.
02.
02.
Lender Package
Lender Package
Lender Package
We prepare the financial statement, hardship letter, tax returns and valuation that lenders require, so the file is complete the first time.
We prepare the financial statement, hardship letter, tax returns and valuation that lenders require, so the file is complete the first time.
03.
03.
03.
Negotiation
Negotiation
Negotiation
We deal with the lender and its servicer on your behalf, respond to every request, and press for a decision within the lender’s own timelines.
We deal with the lender and its servicer on your behalf, respond to every request, and press for a decision within the lender’s own timelines.
04.
04.
04.
Resolution
Resolution
Resolution
We review the short sale approval or modification terms before you sign, and coordinate the closing or the first modified payment.
We review the short sale approval or modification terms before you sign, and coordinate the closing or the first modified payment.
WHAT YOU RECEIVE
WHAT YOU RECEIVE
What the Advocacy Includes
What the Advocacy Includes
What the Advocacy Includes
01
Options Memorandum
A written comparison of modification, short sale, deed in lieu, sale and reinstatement, with the tax and credit effect of each.
01
Options Memorandum
A written comparison of modification, short sale, deed in lieu, sale and reinstatement, with the tax and credit effect of each.
01
Options Memorandum
A written comparison of modification, short sale, deed in lieu, sale and reinstatement, with the tax and credit effect of each.
02
Complete Lender Package
Every form, statement and letter the lender requires, prepared by an accountant and reviewed by an attorney in Texas, or by Florida counsel in Florida, before it is sent.
02
Complete Lender Package
Every form, statement and letter the lender requires, prepared by an accountant and reviewed by an attorney in Texas, or by Florida counsel in Florida, before it is sent.
02
Complete Lender Package
Every form, statement and letter the lender requires, prepared by an accountant and reviewed by an attorney in Texas, or by Florida counsel in Florida, before it is sent.
03
Lender Communication
One point of contact for the lender, the servicer, the listing agent and the buyer, with a written log of every call and letter.
03
Lender Communication
One point of contact for the lender, the servicer, the listing agent and the buyer, with a written log of every call and letter.
03
Lender Communication
One point of contact for the lender, the servicer, the listing agent and the buyer, with a written log of every call and letter.
04
Approval Review
A review of the approval letter or modification agreement for deficiency language, tax reporting and payment terms before you sign.
04
Approval Review
A review of the approval letter or modification agreement for deficiency language, tax reporting and payment terms before you sign.
04
Approval Review
A review of the approval letter or modification agreement for deficiency language, tax reporting and payment terms before you sign.
05
Closing Coordination
Coordination with the title company, the buyer and the lender through closing, or with the servicer through the first modified payment.
05
Closing Coordination
Coordination with the title company, the buyer and the lender through closing, or with the servicer through the first modified payment.
05
Closing Coordination
Coordination with the title company, the buyer and the lender through closing, or with the servicer through the first modified payment.
WHO THIS IS FOR
WHO THIS IS FOR
Who We Represent
Who We Represent
Who We Represent
Schedule a Consultation
Schedule a Consultation
Owners Behind on Payments
01
Owners Behind on Payments
01
Owners Behind on Payments
01
Underwater Rental Owners
02
Underwater Rental Owners
02
Underwater Rental Owners
02
Heirs With a Mortgaged Home
03
Heirs With a Mortgaged Home
03
Heirs With a Mortgaged Home
03
OTHER SERVICES
OTHER SERVICES
Complement Your Strategy
with Our Services
Complement Your Strategy
with Our Services
Complement Your Strategy
with Our Services
Asset Management
Structured asset and portfolio management to maintain performance, manage risk, and optimize long-term investment value.
Asset Management
Structured asset and portfolio management to maintain performance, manage risk, and optimize long-term investment value.
Asset Management
Structured asset and portfolio management to maintain performance, manage risk, and optimize long-term investment value.
Tax & Accounting
Tax and accounting solutions designed to optimize tax strategy, ensure compliance, and provide clarity on financial performance.
Tax & Accounting
Tax and accounting solutions designed to optimize tax strategy, ensure compliance, and provide clarity on financial performance.
Tax & Accounting
Tax and accounting solutions designed to optimize tax strategy, ensure compliance, and provide clarity on financial performance.
Private Lending
Flexible financing solutions tailored to real estate investment needs, enabling timely and efficient execution of opportunities.
Private Lending
Flexible financing solutions tailored to real estate investment needs, enabling timely and efficient execution of opportunities.
Private Lending
Flexible financing solutions tailored to real estate investment needs, enabling timely and efficient execution of opportunities.
GET HELP WITH YOUR MORTGAGE
Tell Us About the Loan
Your trusted financial
and investment partner
Get clear strategy for your better financial and real estate decisions
Schedule a Consultation
Your trusted financial
and investment partner
Get clear strategy for your better financial and real estate decisions
Schedule a Consultation
Your trusted financial
and investment partner
Get clear strategy for your better financial and real estate decisions
Schedule a Consultation
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Newsletter
Stay up to date on the latest from us
Consulting, tax, accounting and private lending for real estate investors and business owners in Dallas, Orlando and Tampa. Hablamos Español.
Headquarters
Texas Office
© 2026 RFH Capital Advisors. All rights reserved.
Links
Newsletter
Stay up to date on the latest from us
Consulting, tax, accounting and private lending for real estate investors and business owners in Dallas, Orlando and Tampa. Hablamos Español.
Headquarters
Texas Office
© 2026 RFH Capital Advisors.
All rights reserved.
Links
Newsletter
Stay up to date on the latest from us
Consulting, tax, accounting and private lending for real estate investors and business owners in Dallas, Orlando and Tampa. Hablamos Español.
Headquarters
Texas Office
Services
© 2026 RFH Capital Advisors. All rights reserved.