Tax lien investing has compelling economics: senior lien position, real property collateral, statutory interest rates. The asset class works.
But operational complexity keeps 80% of investors on the sidelines. Returns concentrate among institutions with infrastructure that individual investors cannot replicate.
We are building the intelligence layer that changes this.
The opportunity: Tax liens sit senior to mortgages. They are backed by real property. Statutory yields range from 8% to 18% depending on jurisdiction. For decades, this asset class has delivered consistent returns to those with the infrastructure to access it efficiently.
The friction: County websites with 47-page PDFs. Registration deadlines buried in fine print. Different auction formats across every jurisdiction. The typical investor spends 15 hours per month on data entry and deadline tracking rather than deal evaluation.
The infrastructure gap: Institutional investors solved this problem by building dedicated platforms and staffing specialized teams. The cost runs into the tens of millions. Individual investors have spreadsheets.
Technology can bridge this gap. ArrearIQ provides the intelligence layer that makes tax lien economics work at any scale.
Better infrastructure enables better markets. When capital allocation improves, investment flows to properties that need attention. Transparent markets create equitable outcomes. We are building infrastructure for the latter.
ArrearIQ is a product of CHIFFON Frameworks LLC, based in Brooklyn, NY.
Built on a foundation in credit intelligence infrastructure, with the conviction that better data systems create better markets.