US007657475B1

(12) Ulllted States Patent

(10) Patent N0.:

Arpin et al.

US 7,657,475 B1

(45) Date of Patent:

Feb. 2, 2010

(54)

PROPERTY INVESTMENT RATING SYSTEM
AND METHOD

5,563,783 A
5,611,052 A
5,615,268 A

3/1997 Bisbee et al.

(75)

Inventors: Jeffrey L. Arpin, Vienna, VA (U S);
Michael W. Dick, Arlington, vA (US);

5,689,649 A
5,696,907 A

11/1997 Altman et al'
12/1997 T01“.

5,699,527 A

12/1997

5,797,133 A

8/1998

.

_

Thomas
P. Edgar, Vienna, VA (US),
_
Em“ Hunt’ O1neY> MD (Us)
_

5 , 732 , 400 A
5,765,144 A

_

(73) Ass1gnee: Fannie Mae, Washington, DC (US)

10/1996 Stolfo et al.
3/1997 Dykstra et al.

Davldson

3/1998 M andler et al.
6/1998 Larche et al.
Jones et al.

(Continued)
(*)

Notice:

Subject to any disclaimer, the term of this
patent is extended or adjusted under 35

FOREIGN PATENT DOCUMENTS

U-S-C- 154(1)) by 755 days-

JP

04182868

(21) Appl. N0.: 11/026,433
(22)

Filed:

(Continued)

Dec. 30, 2004

OTHER PUBLICATIONS
_

(60)

6/1992

_

Ziobrowski et al: Higher real estate risk and mixed-asset portfolio

Related U‘s‘ Apphcatlon Data
Provisional application No. 60/533,548, ?led on Dec.

performance, 1997, Journal of Real Estate Portfolio Management,
V01‘ 3’ NO‘ 2’ PP‘ l07'115'*

31, 2003, provisional application No. 60/533,566,

(Continued)

?led on Dec. 31, 2003.

Primary ExamineriHani KaZimi
Assistant ExamineriBijendra K Shrestha
(74) Attorney, Agent, or FirmiFoley & Lardner LLP

(51)

Int. Cl.
G06Q 40/00

(52)

US. Cl. ...................................................... ..

(58)

Field of Classi?cation Search .................. .. 705/35

(2006.01)
705/35

(57)

See application ?le for complete search history.

ABSTRACT
_

_

_

_

A multlfamlly investment management tool comprlses user

(56)

References Cited

interface logic and an investment rating engine. The user
interface logic is con?gured to provide a user interface acces
sible to a user and includes risk pro?le con?guration interface
logic con?gured to permit a user to de?ne a plurality of

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22 Claims, 28 Drawing Sheets
INVESTMENT RATING TOOL

PROPERTY

SPONSOR
DETAILS

|
I

132

)

DEBT W1

13

14

13,6

EQUITY 1|

RUN LOAN RATING

||

110110 _|

(
EXIT

601a

]

UPDATE INPUT DATA _|

[PROBLEM TRACKING - LOG ISSUES /ENHANCEMENTS /PROBLEMS|

INVESTMENT
RATING
CORE

ENGINE

Ul l]
1667146291
1665772567

1662789764
1667423256

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* cited by examiner

475 B1 S8NNI/ .US. 2010 gmk 5<5.oI N SNK Emn5 xmo>E< . Patent Feb.630 Sheet 2 0f 28 US 7.657. 2.

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