A 90-day valuation is often 15-20% lower than the open market valuation (OMV). A 90-day valuation reflects the price at which an asset would sell within 90 days. For example, in cases where the borrower defaults on a loan in the short-term and the property needs to be sold quickly to allow investors to recoup their funds. The OMV is often not achievable in such short timescales.