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[]
[null,null,null,"Bank Loan","Closing Date","2024-06-01"]
[null,null,null,null,"Loan Amount",350000]
[null,null,null,null,"Payment Date","2024-07-01"]
[null,null,null,null,"Payment Amount",1500]
[null,null,null,null,null,null,null,"The loan is closed before the lien is filed"]
[null,null,null,"IRS Lien","Lien Date","2024-06-02"]
[null,null,null,null,"Lien Amount",75000]
[null,null,null,null,"Payment Date","2024-07-15"]
[null,null,null,null,"Payment Amount",300]
[]
[null,null,null,"If property is foreclosed","Foreclose on","2026-08-20"]
[null,null,null,null,"Months since start",{"$f":"DATEDIF(F2,F12,\"m\")","v":26}]
[null,null,null,null,"Balance on loan",{"$f":"F3-(F13*F5)","v":311000}]
[null,null,null,null,"Balance on IRS",{"$f":"F8-(F13*F10)","v":67200}]
[]
[]
[null,null,null,"Scenario 1\nThe mortgage is in the #1 position for proceeds distribution. ","Foreclosure sale price",341000]
[null,null,null,null,"Loan closing date","2024-06-01"]
[null,null,null,null,"Lien filing date","2024-06-02"]
[]
[null,null,null,null,"Sale proceeds are distributed as:"]
[null,null,null,null,"Mortgage company",{"$f":"IF(AND(MIN($F$2,$F$7)=$F$2,$F$14<$F$18),$F$14,IF(AND(MIN($F$2,$F$7)=$F$7,$F$14<$F$18),$F$18-$F$14,\"\"))","v":311000},"No loss on loan"]
[null,null,null,null,"IRS",{"$f":"IF(AND(MAX(F2,F7)=F7,F14<F18),F18-F14,\"\")","v":30000}]
[]
[]
[]
[null,null,null,"Scenario 2\nThe mortgage is in the #2 position for proceeds distribution. ","Foreclosure sale price",341000]
[null,null,null,null,"Loan closing date","2024-06-02"]
[null,null,null,null,"Lien filing date","2024-06-01"]
[]
[null,null,null,null,"Sale proceeds are distributed as:"]
[null,null,null,null,"Mortgage company",273800,"Loss on loan of $36,200"]
[null,null,null,null,"IRS",67200]