Buying retired rental cars or corporate fleet vehicles in bulk offers better maintenance records than random auction units.

Roughly 25–40% of BHPH customers become delinquent within the first 60 days.

The primary source for 85% of BHPH inventory. Dealers buy "blocks" of older, high-mileage vehicles to keep costs low.

BHPH is a cash-intensive business. Once a dealer has loaned out all their capital to customers, they "run out of cash" but have a "portfolio of notes" (contracts). To get cash back to buy more cars, they sell these contracts in bulk to financial institutions. Key Terms in Bulk Portfolio Sales: