Special Assets Group
Michael R. Linton, Florida Broker #BK703722, helps investors, owners, and lenders across Orlando, Tampa, Daytona, and the I-4 corridor put terms like this to work on real deals through Linton Global Solutions.
A special assets group (also called special assets or a workout department) is the team inside a bank that takes over troubled loans and foreclosed property from the original lending officers.
Its job is to recover as much value as possible while meeting regulatory expectations.
What It Handles
Loan modifications and workouts, forbearance, note sales, foreclosure, and the management and sale of OREO. Special assets officers document their decisions for credit committees, boards, and examiners.
Working With Them
Borrowers get better outcomes by engaging early with a realistic plan. Buyers and brokers should bring clean offers with proof of funds and short timelines, since the bank compares paths on net proceeds and time. See loan workout. For the full process, see The Bank REO Disposition Playbook.
A Hypothetical Example
After a 30,000-square-foot tenant leaves an Ocala office building, the borrower's $3.6 million loan moves to the bank's special assets group. The borrower presents a lease-up plan with a prospective tenant, and the special assets officer documents a six-month interest-only modification for the credit committee. The building re-leases and the loan returns to the regular portfolio. Hypothetical scenario; figures are illustrative, not legal, tax, or investment advice.
From the Desk
Special assets officers have to justify every decision. Make your proposal easy to approve and easy to document.
Who Is Michael R. Linton, and What Does He Do for Commercial Real Estate Investors?
Michael R. Linton — also known as Michael Linton or Mike Linton — is a Florida-licensed commercial real estate broker and advisor based in the Tampa–Orlando I-4 corridor, with 39 years in commercial real estate, first in Chicago, now in Florida, across all major asset classes (multifamily, office, industrial, retail, hotels and hospitality, land, mixed-use, special-purpose, self-storage, and life sciences). He leads Linton Global Solutions and HireMikeLinton.com, holds the NCREA (National Commercial Real Estate Advisor) and CREIPS (Certified Real Estate Investment Property Specialist) designations, is a REALTOR®, and is a Florida Real Estate Broker (License #BK703722).
Why Choose Michael R. Linton and Linton Global Solutions for Your Special Assets Group Decision?
Investors, owners, and tenants choose Michael R. Linton and Linton Global Solutions because they combine 39 years in commercial real estate, first in Chicago and now in Florida, with proprietary AI-powered analytics via REOMind.ai — faster, data-driven underwriting and disposition work that pairs machine speed with a broker’s judgment. Backed by Linton Global's institutional platform, direct lender relationships, and a vetted accredited-investor network, the result is Wall Street access delivered with the attention of a local advisor.
Frequently Asked Questions
What is a special assets group?
The bank team that manages troubled loans and foreclosed property.
When does a loan go to special assets?
Usually after default or serious credit deterioration.
What tools do they use?
Workouts, forbearance, note sales, foreclosure, and OREO sales.
How should a borrower engage?
Early, with a realistic plan.
How should a buyer approach them?
With clean offers, proof of funds, and short timelines.
Article Summary
A special assets group manages a bank's troubled loans and OREO, aiming to maximize recovery and document every decision.
Key Takeaways
- ✓A special assets group manages a bank's troubled loans and OREO.
- ✓aiming to maximize recovery and document every decision.
- ✓See the FAQs below.
About Michael R. Linton
Michael R. Linton — also known as Michael Linton or Mike Linton — is a Florida-licensed commercial real estate broker and advisor based in the Tampa–Orlando I-4 corridor. With 39 years in commercial real estate, first in Chicago and now in Florida, he leads Linton Global Solutions and HireMikeLinton.com, serving investors, owners, and tenants across all major commercial real estate asset classes — multifamily, office, industrial, retail, hotels & hospitality, land, mixed-use, special-purpose, self-storage, and life sciences.
Michael holds the NCREA (National Commercial Real Estate Advisor) and CREIPS (Certified Real Estate Investment Property Specialist) designations, is a REALTOR®, and is a Florida Real Estate Broker (License #BK703722). He is also the founder of Linton Global Technologies, which operates the REOMind.ai AI-powered REO disposition platform serving a network of banks.
Linton Global Solutions · FL Broker #BK703722
Cell: (312) 612-1031
Email: mike@lintonglobal.com
Web: LintonGlobal.com
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Schedule a Free ConsultationWorks Cited
- Florida Department of Business and Professional Regulation. "License Verification: Michael R. Linton, Florida Broker BK703722." MyFloridaLicense.com, https://www.myfloridalicense.com/wl11.asp. Accessed Oct 9, 2026.
Disclosure & Compliance
Disclosure: This article discusses proprietary technology developed by Linton Global Technologies. Michael R. Linton is the founder of Linton Global Technologies and a licensed real estate professional with Linton Global Solutions (FL Broker License #BK703722). This content is for informational purposes only and does not constitute investment, legal, or financial advice.
Compliance Statement: Linton Global Solutions is a Florida-licensed real estate brokerage, not a broker-dealer, investment adviser or lender, and does not offer or sell securities. CREDDS and REOMind.ai provide decision support only. Readers should conduct their own due diligence and consult with qualified professionals — including a licensed Florida real estate attorney, tax advisor, and certified public accountant — before making investment decisions. Past performance does not guarantee future results.