Journey With Me!
The Note Experience
Journey With Me!
One of my goals is to build many business relationships to join me investing in safe, high-yield Notes that have been fully vetted for potential high profits. Have the vision and take an opportunity to invest in the sound practice of Mortgage Notes.
Think about it. If you have money sitting in a bank savings account, what interest rate are you earning? Or, if any of your investments are earning less than 4%, you have "Lazy Assests"!
Increase your Financial Intelligence and learn more about Mortgage Note Investing. You can take advantage and improve your returns in several ways: Truly Passive, Passive Lender, and JV Partners.
Truly Passive
Mortgage Note Fund:This is where capital has been raised for large scale purchasing of many assets. Investors invest at least the minimum to participate in the fund leveraging management company’s experience and engage in a diversified portfolio. Investors receive their monthly/quarterly preferred return by either wire or check.
Passive Lender
Hypothecation:Basically private lending. It occurs when an asset is pledged as collateral to secure a loan. The owner of the asset does not give up title, possession, or ownership rights, such as income generated by the asset. However, the private lender can seize the asset if the terms of the agreement are not met.
JV Partners
A joint venture is simply a partnership between at least two parties where the parties split the investment to enter the venture and then split the profits that are generated by the investment. The investments made by each can be differing assets. For example one party puts up the cash to purchase an asset while the other party puts up the expertise, the labor to operate the investment and profits are split in whatever percentage is agreed!
MEET OUR TEAM
I've established many relationships during my Federal Career and in the Real Estate Industry as being reliable and dependable on the products or services I provide: Expertise and A Passion for Taking Care of our Business Partners with Honesty, Integrity, & Professionalism! Take the journey!
Rodney L. Madison
Founder
I invested in real estate off-and-on since 1998. It was only recently that I found Notes and decided this is where I wanted to focus my investments. Note Investing is simply one of the best investment vehicles I have ever seen! The Note Experience works to customize every partnership depending on what you look to get out of the venture, and your investment requirements. This creates a win-win solution for us and our Joint Venture or Private Lender Partner. We understand everyone investor has their unique investment goals and strategies to achieve the greatest ROI!
This is the Brand that represents our business.
These are the professionals that work tirelessly behind the scenes to make your investment profitable and hassle free!
Angela Madison
Operations Manager
My role The Note Experience
is to keep things running smoothly.
With my passion and commitment to organization and customer service, I help support and enhance the performance of the business.
Our investors and business partners can count on me not to "drop the ball".
FREQUENTLY ASKED QUESTIONS
Listed below are answers to some of the more common questions that people ask about Note Investing.
What is a Note ?
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.
Are Notes a secure investment?
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.
Why do banks sell the Mortgage?
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.
How do I get the money to buy a Note?
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.
Is more profit found in Notes then owning the property? Why is this?
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.
What do you mean when you say I am like the bank?
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.
Can I sell a Note?
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.
I am interested. What is the next step?
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.
Remember, with Notes you are....
Collecting payments while you sleepSafer and less volatile than the Stock MarketYour Investments are secured by the real propertyNot dealing with tenants, trash, toilets or termitesAble to help the Owner, modify the loan - If it's not beneficial for both parties, foreclose
You are the Bank! Interested?Shoot me an Email.
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