Cash Flow Modeling & Analytics Services

Expertise
Without the Overhead

Kempton Solutions LLC — Solution Driven Services

We serve as the outsourced analytics and modeling partner for small and mid-size finance companies — delivering institutional-grade cash flow modeling, portfolio risk monitoring, and independent verification without the cost of a full-time hire.

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Outsourced Portfolio
Risk & Analytics
Cash Flow & Financing
Model Development
Independent Verification
& Compliance
GSE Readiness
& Compliance

About Us

Built for Companies That Need More Than a Platform

Kempton Solutions LLC is a professional consulting firm established in 2017, specializing in outsourced portfolio analytics, cash flow model development, and structured finance advisory. We work primarily with small and mid-size finance companies — sub-prime and specialty lenders, servicers, and real estate finance firms — that need senior-level analytical support without adding headcount.

Our team brings over 30 years of hands-on capital markets experience across the full spectrum of structured finance. We have built and maintained the models that support warehouse facilities, investor financing, and securitizations — including private financing structures that fall outside the coverage of standard industry platforms. We work as a direct extension of your team.

Whether you need monthly portfolio monitoring to support your audit committee, a custom cash flow model to secure your next warehouse line, or an independent review of your investor documentation before a regulatory filing, Kempton Solutions delivers the expertise your business needs — on your timeline and budget.

Established

Professional consulting firm founded in 2017  |  Irvine, CA

Who We Serve

Sub-prime & specialty finance companies · Servicers · Real estate lenders · Originators seeking GSE approval

Our Edge

Senior-level expertise, direct engagement — without the cost or overhead of a full-time senior hire

Asset Classes

Auto loan & lease · CMBS · RMBS · ABS · CDOs / CLOs · Non-QM · SFR · Warehouse & private financings

What We Do

Our Services

Four focused service lines — each designed to give growing finance companies access to senior analytical and modeling expertise when they need it most.

Outsourced Portfolio Risk & Analytics

Ongoing monthly monitoring of your loan or asset portfolio — without adding to your headcount. We provide fair value analysis, risk metrics, and audit-ready reporting for finance companies whose portfolios are carried at fair value. Think of us as your senior analytics function, available as needed rather than on a full-time salary.

Cash Flow & Financing Model Development

Custom cash flow models for warehouse facilities, private financings, and structured transactions — including deals that don't fit standard industry platforms. We build investor-ready models from the ground up, then continue to update and refine them as your portfolio grows and you seek additional rounds of financing. From structuring support to waterfall mechanics, we build models that work under scrutiny.

Verification & Compliance Services

Independent review of cash flow models, investor documentation, and trustee or servicer reports — including third-party verification against industry cash flow and surveillance platforms. We cross-check outputs against source data and regulatory requirements to surface errors and inconsistencies before your next audit, investor review, or regulatory filing.

GSE Readiness & Compliance

Full-scope support for originators and servicers pursuing GSE master servicer qualification — from policies and procedures development aligned with GSE Seller/Servicer Guides to credit and loss reserve framework implementation. Includes best execution modeling (cash window vs. MBS execution) and MSR analysis to optimize your agency strategy.

Our Approach

Modeling the Deals Others Can't

Many private financings and specialty structures don't fit neatly into existing platforms — that's exactly where we work best.

Growing finance companies increasingly need custom cash flow models for warehouse facilities, private loan financings, and bespoke securitization structures. Standard industry platforms are designed for public-market vanilla deals — they don't address the nuance of private transactions where waterfall logic, credit enhancement, and structural features require purpose-built models.

Kempton Solutions fills that gap. We have built and maintained these models for clients since 2017 — helping them secure initial warehouse financing, then continuing to refine and update the analysis as they grow and seek additional financing rounds. Our models are built to satisfy lender, investor, and auditor scrutiny alike.

Private & Structured Financings

Cash flow models for transactions that fall outside standard platforms — warehouse facilities, private loan financings, and bespoke securitization structures tailored to your asset base.

Ongoing Model Maintenance

We don't just build and walk away. We update and refine your models as your portfolio evolves, supporting each new financing round with current, defensible analysis.

Waterfall & Structural Mechanics

Precise waterfall logic including sequential pay, pro-rata, OC/IC triggers, reserve accounts, and credit enhancement mechanics — built to hold up under investor and lender due diligence.

Audit-Ready Portfolio Monitoring

Monthly risk and fair value analysis for portfolios carried under fair value accounting — providing your finance team and audit committee with the reporting they need, on schedule.

Verification & Compliance

Catch It Before the Auditor Does

A discrepancy in a cash flow model, an error in investor disclosure, or a missed regulatory requirement can create material liability — with regulators, rating agencies, or investors. The cost of finding the problem after the fact is nearly always greater than the cost of preventing it.

Kempton Solutions provides independent, systematic review of your models, documentation, and reports — cross-referencing outputs against source data, prior period runs, and applicable regulatory requirements. We deliver clear exception reports and sign-off documentation that your internal audit team and external examiners can rely on.

We also provide third-party verification against industry reporting platforms and trustee reports — reviewing assumptions, flagging discrepancies, and confirming that your reporting tools are telling the right story.

Investor Documentation Review

Review of offering documents, prospectuses, and term sheets for accuracy and consistency with underlying model outputs.

Verification Services

Independent verification of current internal and vendor cash flow models — including third-party review against Intex, Trepp, and trustee reports. Covers assumptions review, discrepancy flagging, and output reconciliation to confirm your models are telling the right story.

Regulatory Compliance Checks

Verification against Dodd-Frank risk retention requirements (Sec. 941), CECL standards, GSE requirements, and SEC disclosure obligations.

Audit-Ready Sign-Off Documentation

Structured review logs and exception reports that satisfy internal audit, board committees, and external examiner requests for model governance documentation.

Credentials & Expertise

Areas of Qualification

Decades of direct engagement across the full lifecycle of structured finance — from origination and financing through securitization, monitoring, and regulatory compliance.

Asset Classes Served

  • Sub-Prime & Specialty Auto Loan & Lease
  • CMBS & CRE-CDO / CRE CLOs
  • RMBS & Non-QM
  • ABS (Esoteric, Container, Aircraft Lease)
  • CDOs / CLOs
  • Single-Family Rental (SFR)
  • Freddie Mac Multifamily

Financing & Structuring

  • Warehouse & Credit Facilities
  • Private Loan Financings
  • Securitization Structuring & Support
  • GSE Agency Programs
  • Best Execution Modeling (Cash vs. MBS)
  • MSR Analysis
  • Investor Model Development

Regulatory & Compliance

  • Dodd-Frank Risk Retention (Sec. 941)
  • CECL Accounting (ASC 326)
  • Fair Value Accounting (ASC 820)
  • GSE Seller/Servicer Guide P&P
  • Credit & Loss Reserve Development
  • Internal Audit & Model Governance
  • Rating Agency & SEC Submissions

Our Team

Leadership

Kevin B. Mayberry
LinkedIn

Kevin B. Mayberry

President & Founder

Kevin Mayberry founded Kempton Solutions LLC in 2017 after more than two decades of senior leadership across the structured finance and capital markets industry. With deep expertise spanning cash flow modeling, portfolio risk analytics, securitization structuring, and regulatory compliance, Kevin has served clients ranging from major U.S. and European financial institutions to emerging specialty finance lenders.

Prior to founding Kempton Solutions, Kevin served as Managing Director at RiskSpan, Inc., leading structured finance model development and validation engagements — including a $20 billion portfolio reengineering project at a leading U.S. bank and the first-ever validation of a Single-Family Rental credit model for the largest market participant in that space. He previously served as Director in KPMG's Mortgage & Consumer Lending Practice, where he re-launched the firm's CMBS business and managed a $1.3 trillion mortgage portfolio analysis. Earlier in his career, he served as Vice President at Allied Capital, overseeing a $1.7 billion CMBS and CRE-CDO portfolio.

Today, Kevin leads Kempton Solutions as the principal advisor and modeler — working directly with clients as a trusted outsourced analytics partner. He has served clients in the sub-prime auto finance space since the firm's founding, providing ongoing monthly portfolio risk monitoring and fair value analysis for portfolios now exceeding $11 billion, and has developed the investor and warehouse financing models that enabled multiple clients to secure and expand their credit facilities.

BS Industrial Engineering — Columbia University Structured Finance Cash Flow Modeling Portfolio Risk Analytics Fair Value Accounting ABS / Consumer Loan / HELOC CMBS CDO Aircraft Lease Data Centers Agency MBS / QM Non QM Risk Retention Reconciliation Counterparty GSE Readiness

Contact

Let's Talk About Your Needs

Whether you need ongoing portfolio monitoring, a new financing model, or an independent review before your next filing — reach out and we will respond promptly.

Email info@kemptonllc.com
Phone +1 (949) 431-6692
Location Irvine, CA
LinkedIn linkedin.com/in/kevinmayberry