Weekly Note Business Tips

Last Updated on October 14, 2026 by T.J. Fitzgerald A typical note deal in 2026 begins when a private seller who once financed a property sale now wants cash. You find the note on targeted seller lists, check the payment record, and pair it with a buyer aiming for 9 to 12 percent yield. Every

Last Updated on October 7, 2026 by T.J. Fitzgerald This week’s tip walks through a time-value-of-money calculator so a $5,000 decision in 2026 rests on the numbers instead of a gut read. A note paying $180 a month can look fine until you price the discount, the term left, and what that cash is worth

Last Updated on September 29, 2026 by T.J. Fitzgerald This week’s tip is a practical way to keep real estate in your mix without becoming a landlord. Late starters want the inflation hedge and cash-flow profile property can provide. What they do not want is tenant screening, midnight repair calls, or another set of keys.

Last Updated on September 23, 2026 by T.J. Fitzgerald This week’s tip is to treat every monthly note payment as seed money rather than spending money. A performing seller-financed note already produces a contractual cash flow. When those dollars go back into another note, a partial, or even a small cash-flowing asset instead of disappearing

Last Updated on September 15, 2026 by T.J. Fitzgerald This week’s tip is about the most common mistakes I see late starters make when they finally decide to chase passive income after years of feeling behind. Mistake one: chasing yield without security. A 12% promise on an unsecured note or private loan sounds great until

Last Updated on September 9, 2026 by T.J. Fitzgerald This week’s tip is how to find motivated note sellers without burning hours on lists that never convert. The people who actually sell are rarely the ones sitting on a perfectly performing note they love. They are the ones facing a change they did not plan

Last Updated on September 2, 2026 by T.J. Fitzgerald This week’s tip looks at why a performing seller-financed note often works better inside a self-directed IRA than in a taxable account. The interest on an 8–12 percent note is ordinary income if you hold the paper personally. Inside a Traditional IRA that same interest stays

Last Updated on August 27, 2026 by T.J. Fitzgerald This week’s tip centers on a shift many people notice once they hit their 50s and 60s: the difference between hoping the market delivers and locking in cash flow that does not depend on daily price swings. At that stage the recovery window is shorter, sequence-of-returns

This week’s tip is simple but often skipped: treat due diligence as non-negotiable before putting money into any alternative investment, including seller-financed notes. A solid check starts with the collateral. Confirm the property’s current market value against recent comparable sales, not just the original appraisal. Look at the loan-to-value ratio and make sure it leaves

This week’s tip looks at why many late starters comparing seller-financed notes to rental properties find the notes path less demanding on time and capital. Rental properties require down payments, ongoing repairs, tenant turnover, and property management decisions that can stretch a 50- or 60-something’s schedule thin. A single roof replacement or vacancy can erase