Lead score
A score that puts a wholesaler’s best deals first
Every lead gets a score from 0 to 100 from six things a wholesaler cares about. Sort by it and call the top of the list.
What makes a deal here
The score weighs how much equity the owner has left, how much pressure they are under and how soon, how early you are, and whether they can be reached.
It updates as the case moves: a judgment raises the pressure, the head start fades over 30 days, a cancelled sale lowers it.
Example: a hot lead
Bank foreclosure · judgment entered
Equity left26 of 30
What the lender’s judgment leaves against the value
Pressure and time to deal25 of 25
Judgment entered, auction not yet set
Head start12 of 20
Fades over 30 days from the clerk’s filing
Reachable owner12 of 12
Absentee owner
Property fit10 of 10
A house between $75K and $750K
Stacked distress0 of 10
+5 for each other kind of trouble on the parcel
The six factors
Equity left
Up to 30. What a lender’s judgment leaves against the value: under half the value scores 30, 90% or more scores 0. An association’s judgment says nothing about the mortgage. Unknown: estates, tax deeds, HOA suits and small judgments 22, a bank’s suit before judgment 15.
Pressure and time to deal
Up to 25. New suit 22 · judgment entered 25 · auction 15–45 days out 18 (under 15 days 5, further out 15) · sale cancelled 10 (after a bankruptcy 15) · probate 18 · tax deed 22 · HOA lien 12 · other liens 6.
Head start
Up to 20, fading over 30 days from the clerk’s filing. A newspaper notice at most 8, the auction calendar at most 12 — everyone has those.
Reachable owner
Absentee owner 12 · owner at home 6 · served by publication (could not be found) −5.
Property fit
House, condo or mobile home at $75K–$750K 10 · multi-family 6 · vacant land 3.
Stacked distress
+5 per other kind of trouble on the parcel, up to +10.
Three bands, the same colours everywhere
Hot, 80 and up
Call these first. Dark orange on the cards and the map.
Warm, 60 to 79
Worth working. Light orange.
Watch, under 60
Keep an eye on them as the case moves. Grey.
Questions
Why is a lead warm and not hot?
Open the lead: its score is broken down factor by factor, so you can see what it is missing, often equity or time.
Does every lead type get a score?
Yes. Probate, liens and tax deeds get the same six factors, with the parts that don’t apply scored as unknown.
Your next deal is already on record.
2,544 new leads this week. Every live county, updated twice a day.