The REST Report is intended to be a impartial loan disposition analysis support tool for firms assisting home owners with work out solutions. This includes entities processing loan modifications, short sales, bankruptcies, foreclosure defense, credit counseling or other loan workout solutions. The REST Report derives and presents multiple Loan Modification terms as well as Short Sale options, affordable to the borrower while still providing the lender with the highest possible return on their investment. The REST Report proposes the best win-win loss mitigation options given the existing loan terms and the borrower's current financial situation.