Unlock Note Deals with One Simple List Trick in 2025

Last Updated on August 20, 2025 by T.J. Fitzgerald

Sourcing private notes is the biggest hurdle for new note investors. Since 1996, I’ve learned one trick consistently delivers: buying targeted note holder lists from reputable sources. In 2025, with foreclosures up 8% and interest rates at 4.25%–4.50%, this method unlocks deals for beginners and pros. Here’s how.

First, understand note holder lists. These databases list private note holders—like someone who sold a property and took back a $50,000 mortgage. Noteinvestors.com provides verified lists with names, contact info, and note details. A $100–$500 list saves weeks compared to public records or small banks. For zero-capital beginners, lists are your entry to brokering fees.

Second, choose quality. Noteinvestors.com offers updated, targeted lists. In 2010, I bought a $300 junk list—half the contacts were useless. Stick with proven providers. A good list has 500+ names, filterable by state or note type. Cross-check with county records if needed.

Third, work the list smartly. Direct mail or calls outperform mass emails. My February 18, 2025, X thread detailed a mailer that got a 2% response rate. A 1,000-name list might yield 10 leads, one becoming a $50,000 note with a $2,500 fee. Follow up persistently but professionally.

In 2019, I used a $200 noteinvestors.com list to find a Florida retiree with a $60,000 note. She needed cash for her grandkid’s college. I connected her with a private investor from Jon Richards’ networking tips—see my May 18, 2025, thread. The deal closed in three weeks, earning me a $5,000 fee. Lists work if you do.

Fourth, qualify leads fast. Ask about note balance, interest rate, and payment history. Focus on performing, first-position notes in 2025; they’re easier to broker. Pitch to funders using our note program. No buyers? My program shows how to find them.

Fifth, stay legal. Check local brokering regulations—some states require licenses. Use a simple fee contract. My note broker program will walk you through the entire process.. Got $5,000? Buy a small note directly or partner with a buyer for a joint venture.

Start with a list, follow up, and broker your first deal. My free mini-course (opt-n box at right) covers the basics. For creative strategies like partnerships, explore “Note Investing Formulas (program coming soon).” Results vary—consult local regulations—but one list can kickstart your 2025 note investing journey.

Get started with my free mini-course. Learn advanced strategies in “Note Investing Formulas program– again, that one is coming soon.”