A Note is a promise to pay.  It is a written IOU from the borrower to the lender. This important document contains details of the terms and the agreements between the borrower & lender. There are 2 broad categories of Notes...Collateralized and Non-Collateralized.  A collateralized Note provides security to the lender because the borrower pledges to give the lender something of value (house, car, 1st born child, etc.) if the borrower fails to repay the debt.

Note Investing is a very safe and predictable way to grow your wealth, here's why. A Note is a promise to pay.  It is a written IOU from the borrower to the lender. This important document contains details of the terms and the agreements between the borrower & lender. There are 2 broad categories of Notes...Collateralized and Non-Collateralized.  A collateralized Note provides security to the lender because the borrower pledges to give the lender something of value (house, car, 1st born child, etc.) if the borrower fails to repay the debt.

Banks sell Mortgages for a variety of reasons.  Quite often they sell the Mortgage when the borrower has stopped making payments.  These non-performing mortgages are packaged up in "bundles" and the entire bundle is sold at a deep discount in order to raise cash. Banks also sell performing Mortgages to raise cash. These are typically sold after the bank has collected interest for a number of years and simply wants to do something else with their capital. Performing Notes are sometimes sold at slightly discounted prices to other Banks, Mortgage Lenders and Investment Firms seeking cash flow.

Many note buyers get money through equity lines of credit on properties, cash savings and retirement accounts/self directed IRA’s, HSA’s and CESA.  We have also seen people form small partnerships with friends and relatives to buy Notes.

Since have been Investors since 1982.  We have invested in Real Property and Notes.  We have found that the Return on Investment is just as strong and sometimes stronger than those generated by property.  This is especially true when you consider the value of the personal time invested into each investment. Notes tend to be "hands-off" while property requires a great deal of your time.

As a Note holder, you are literally the "mortgage company" to the property owner.  We suggest that you use one of the professional "Servicing" companies that we recommend to interact with the property owner. However, you own the Note and you have the option to "self service" the Note and deal with the property owner directly.

Owning a Note is much like owning any other investment asset (rental house, stock, etc). When you decide to exit your investment, simply call us and we will sell you Note for you.  Selling a Note can be a faster transaction than selling real estate.  You could have your sale proceeds as fast as 7 days but in most cases a few weeks is more realistic.

If you want to get started, simply call us at (301)660-3237 and speak with one of our Note Investment Strategist.  We will help you develop an action plan based on your specific situation.  It's free and there is no obligation to invest.