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Market commentary
Insights on distressed real estate.
Commentary for trustees, asset managers, and lenders on foreclosure procedure, bankruptcy sales, and the distressed asset market.
Focus
Arizona distressed market
Reference
State foreclosure timelines
Market
Jul 2026 · 4 min
Reading the REO pipeline in 2026
What rising default notices may or may not mean for REO supply, and why occupancy is the variable to watch.
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Homeowners
Jun 2026 · 4 min
Short sale or foreclosure: what homeowners should ask first
Plain language questions to bring to your attorney and your lender before choosing a path.
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Valuation
May 2026 · 5 min
BPOs on distressed assets: why automated values fall short
Condition, occupancy, and title issues that automated valuation models are not designed to capture.
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Reference
Foreclosure timelines in selected states.
Approximate statutory minimums and typical practice. Actual timelines vary with servicer practice, loss mitigation, and bankruptcy filings. Verify with counsel before relying on these figures.
| State | Primary process | Key notice period | Approx. minimum |
|---|---|---|---|
| Arizona | Nonjudicial trustee sale | Sale no sooner than the 91st day after the notice of sale is recorded | ~3 months |
| California | Nonjudicial | Notice of default, then at least 3 months before notice of sale, then about 20 days | ~4 months |
| Nevada | Nonjudicial | Notice of default with a 3 month cure period, then notice of sale | ~4 months |
| Texas | Nonjudicial | 20 day notice to cure, then 21 day notice of sale | ~2 months |
| Florida | Judicial | Court action required before a sale date is set | Often 6+ months |