Deterministic Distress Intelligence
Every score on DLRadar is computed from verifiable public-record signals — no ML guessing, no fabricated data. When a property shows distress, you know exactly why.
Live Intelligence Summary
Why Distress Intelligence Matters
Acquisition teams waste months chasing leads that look distressed on the surface but have no verifiable signals underneath. DLRadar eliminates that guesswork by scoring every property against 12 independent distress categories derived entirely from public records.
A property with a mortgage stress scoreMeasures delinquency risk based on LTV ratio, rate resets, and payment burden relative to area median income. of 82 and a tax lien scoreQuantifies delinquent property tax exposure using county recorder filings and lien auction schedules. of 67 tells you something specific and actionable. Stack three or four of those categories together, and you have a high-conviction acquisition target — backed by data anyone can verify at the county recorder's office.
Right now DLRadar is tracking 33,643 ZIP codes across 50 states and 3,143 counties. The current average county stress index stands at 14.7/100.
The 12 Distress Categories
Each property is scored 0-100 across every category. Hover any category for details.
Scoring Model
Each category produces a score from 0 to 1000 = no distress signals detected. 100 = maximum distress across all measured indicators.. The stack countNumber of categories scoring above the distress threshold (typically 25+). Properties with 3+ stacked categories are high-conviction targets. tallies how many categories exceed the distress threshold. The global distress scoreWeighted composite of all 12 category scores, with mortgage and tax lien receiving higher weights due to stronger foreclosure correlation. is a weighted composite that gives higher weight to categories most correlated with forced sales.
global_distress = 0.20×mortgage + 0.15×tax_lien + 0.10×judgment + 0.10×vacancy + 0.08×hoa + 0.08×landlord + 0.07×elderly + 0.06×environmental + 0.05×construction + 0.04×commercial + 0.04×irs_lien + 0.03×heir_titleAuction Intelligence
DLRadar monitors 2,734 auction events nationwide. Each auction lead receives an opportunity score (0-100)Combines bid discount to estimated value, county distress pressure, ZIP-level competition, and property condition signals into a single actionable score. that factors in bid-to-value gap, county/ZIP pressure, and institutional exposure.
Geographic Pressure Analysis
Every county and ZIP code is scored for aggregate distress pressure. The county headwind score0-100 composite measuring banking stress (FDIC call reports), NRI natural hazard risk, and housing price trajectory for each county. combines banking stress from FDIC call reports, natural hazard risk from FEMA/NOAA, and home price trajectory.
The ZIP-level insurance distress scoreCombines HPI drawdown, climate severity, and NFIP claims frequency to identify ZIPs where insurance costs are accelerating property abandonment. layers in home price index drawdown, NOAA climate severity, and NFIP flood insurance claims frequency to pinpoint ZIPs where insurance costs are accelerating property distress.
Institutional Stress Layer
The institutional_safe score (0-100)Measures how exposed a property's county is to bank failures, GSE credit tightening, and FDIC-monitored institutions with high CRE concentration. quantifies how exposed a property's county is to banking system stress. It integrates FDIC bank call report data, GSE (Freddie Mac / Fannie Mae) credit risk indices, and commercial real estate loan concentration.
The collapse flagBinary alert triggered when a county has 3+ stressed banks AND county headwind score exceeds 75. Signals imminent credit contraction risk. fires when a county has multiple stressed banks and elevated headwind scores — signaling potential credit contraction that forces distressed sales.
Subsidized Housing Intelligence
DLRadar integrates HUD Section 8 and subsidized housing data to identify areas with high rental subsidy concentration — a key signal for both opportunity and risk in acquisition targeting.
The core national dataset for Section 8. Tracks voucher utilization rates, payment standards, and landlord participation by Public Housing Authority (PHA) jurisdiction. High voucher concentration areas with declining landlord participation signal rental market stress.
Census Bureau microdata providing household-level housing cost burden, income distribution, and tenure patterns at the PUMA geography. Identifies areas where 50%+ of renters are cost-burdened — a leading indicator of landlord distress and forced sales.
Project-level data on all HUD-assisted multifamily properties including Section 8 project-based, Section 202 (elderly), and Section 811 (disabled) programs. Tracks contract expiration dates, physical inspection scores, and financial risk flags for each property.
Data Sources
All scoring derives from authoritative public-record sources. No scraped or estimated data.
Get Started
Choose the tier that fits your acquisition strategy.
- ✓ Heatmap access
- ✓ ZIP-level scores
- ✓ Basic auction data
- ✓ Property-level dossiers
- ✓ 12-category scoring
- ✓ County headwind data
- ✓ Institutional layer
- ✓ Collapse flags
- ✓ API access
- ✓ Priority support