Buying real estate notes can, potentially, yield much higher returns for you, coupled with far lower risk, than many other investments available today.
Seller financed real estate notes are, in a great many cases, bought at a discount off face value, thereby creating a rate of return considerably higher than the original instrument– that is, unless you happen to be creating a new note (in which case you write the original terms of the note). Also, Continue reading →
Listed below are some examples of the various ways you can sell a note generated from the sale of real estate. The payment streams can be secured by real estate contracts, mortgages or deeds of trust. They can be seasoned or “green”, and in some cases investors can purchase notes less than one year old.Continue reading →
In the last post, I defined a discounted mortgage for you. Let’s briefly review the scenario to refresh your memory. Orvel sells his property to Betsy. Orvel takes back a mortgage for $50,000.00. Orvel then sells his $50,000.00 mortgage to Pete, a third party investor, for $40,000.00. This scenario has all the ingredients of a discounted mortgage; a transaction between private parties, the security for the investment is real estate, and Continue reading →
In the last post, I listed for you the four important steps to success in the discounted mortgage, note and cash flow business. They are: (1) start part time, (2) think long term, (3) generate leads and (4) flip, do not buy mortgages. I would like to spend some time on the importance of flipping discounted mortgages.
First, you need to understand that there should be three steps in everyone’s financial/business plan: Continue reading →
The discounted mortgage, note and cash flow business is one of the easiest, fastest and safest ways for you to generate additional income. Many people who fail at this wonderful business do so because they miss the “forest for the trees”. If you will follow the simple guidelines below, your chances of success will improve immeasurably. Continue reading →
The business of flipping discounted notes, mortgages and cash flows requires some easily acquired knowledge and skills but requires little or no cash—and none of the hassles associated with owning real property. That is one of the many reasons the discounted cash flow business requires serious consideration.
Passive direct mail to a purchased leads list is THE most cost effective, time-efficient way to find and nail down seller-financed note deals…. and notes secured by lower-tier properties, i.e. manufactured homes, represent huge, often overlooked opportunities.
Hi, I’m Tim Fitzgerald, President of NoteInvestors.com. We’re the longest-running educational note-related website in existence, 23 years and counting now.
I believe you’re here because you want to learn about note investing, and I’m going to give you a crash course in exactly what it is and what’s involved in under 5 minutes– so, here we go! Continue reading →
>>> QUESTION: HI Tim, How much money can I make as a note broker? What is the average discount or buy rate on a note? And, what is the best way to find notes for sale? Thanks, George
>>> MY ANSWER: Assuming a 1st position seller-financed note in the current market, 80-90% Loan to value, depending on borrower credit, seasoning, terms, etc., we’re seeing broker fees falling anywhere between $2,000 at a minimum to $10,000 on the high side, with an average investor buy range of somewhere between 0.70 and 0.80 cents on the dollar.Continue reading →
Note brokers who are unfamiliar with commercial real estate notes are missing a great profit opportunity. It’s easy to assess a note on a home, but if someone calls you with a commercial note, you may not know how to price it, whom to sell it to and what kind of documents are required.Continue reading →
This post will show you how to figure commissions using a financial calculator when buying and selling discounted notes.
Sally Seller needs cash to buy a new Jaguar to impress a potential boyfriend. Her only asset is a $100,000 note she took back when she sold her home 5 years ago. You want to broker the note to an investor. The Jaguar costs $80,000. Can you help Sally and still make a commission? We must first calculate the value of the note she is selling, then make her a purchase offer, and then calculate the price the investor will pay for the note. In each case, we need to know the yield or interest rate at which we can buy and then sell the note. You think you can buy Sally’s note for a 10.5% yield and sell it to an investor to yield them 9%.Continue reading →
If you are buying notes (or brokering them), postcards are a cornerstone of many a successful marketing program because the note seller can’t miss your marketing message; it’s right in front of his eyes as soon as he opens the mail. Therefore, you KNOW your message (or, at the very least your HEADLINE) is going to be read. And, that’s half of the equation as far as what you need to accomplish in order to get the note seller to call you.Continue reading →
Having a well thought-out marketing plan is critical for your success in the note business.
Whenever you plan a marketing effort, you want to achieve quick, maximum results. You want your phone to ring, quote and close transactions. However, I found that real success comes with long-term thinking and planning. A great deal of your planning must be geared to all of the note holders with whom you did not do business. This means all of the people who were not ready to sell, did not respond to your marketing piece or did not accept your offer. This is future business, and is at least as important to your success as the transactions that you closed. My experience tells me that 75% of my completed transactions are with note sellers who initially were not ready to do business. These people represent seeds that you planted, and you can either cultivate them or allow them to rot in the ground. Most people in the note business do not a good enough job of cultivating.Continue reading →
“The secret of making an inordinate amount of money in the note business is to find lots of brokerable notes. To find brokerable notes, get in front of a group of professionals,” says master marketer Tim Fitzgerald. Continue reading →
The discounted paper, or note business is an opportunity to make money. Vending machines, 900#’s, multi- level marketing and widgets are also opportunities to make money. The commonalities of all business opportunities is that most people fail, some do O.K., but very few experience overwhelming success. Those who succeed understand the tremendous importance of Marketing. Marketing is something those successful in business, at all levels, understand. It is clear to me that most folks who try their hand at “discounted paper” give little, if any, thought to this most critical ingredient. People will take course after course on the technical aspects of the note business, but spend almost no time at all in putting together a marketing plan. To be successful, you must get your phone to ring a lot- that is what marketing accomplishes. McDonald’s doesn’t sell all those burgers because theirs taste the best (do they?) but they sure know how to get people into their stores.Continue reading →
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