Building infrastructure for the secondary mortgage market since 2011.
Entering the Industry
Robert Hytha entered the secondary whole-loan market and learned the business by working real non-performing note deals end to end. Those early years made the gap clear: plenty of capital and inventory, not enough clean data, consistent underwriting, or reliable resolution workflow.
FIXnotes Is Founded
Rob built FIXnotes to create infrastructure for the secondary mortgage note market. A system to source, underwrite, trade, and resolve notes with consistent standards that work for both institutions and independent investors.
The Mortgage Note Mastermind
Rob launched the Mortgage Note Mastermind as an advanced room for active investors. As interest grew, FIXnotes expanded education through a larger free community for newer investors, while the Mastermind became smaller, more structured, and more technical. Today the broader community is 1,816+ members, with the Mastermind focused on serious execution.
The Operating System for Distressed Debt
With $68.2MM in documented client revenue and $777MM of NPL unpaid principal balance handled, FIXnotes is building the platform where inventory, analytics, and execution converge. Search, trade desk, borrower resolution, and investor development in one aligned system. The team has grown to five, including industry veteran Bill McCafferty and a remote team of A-players across the planet.
The operating system for distressed debt.
More than just the MLS for mortgage notes — a platform where inventory, analytics, and execution converge. FIXnotes integrates sourcing, trade desk execution, borrower resolution, and investor development into one aligned system.
The result: transparent markets, disciplined returns for investors, and fair outcomes for borrowers. Infrastructure that institutions and independents both rely on.
Abundance
Opportunity is plentiful. We share knowledge and grow together.
Builders, Not Speculators
We create systems and apply leverage so results compound over time.
Aligned Outcomes
Investors have the power. We use it to reach fair, sustainable resolutions.
Credibility Compounds
We keep our word, communicate clearly, and build long-term trust in every deal.
Robert Hytha
Founder & CEOIn the mortgage note industry since 2011 with 10,000+ assets handled and $68.2MM in documented revenue generated for our top client alone. Founded FIXnotes in 2017 to build infrastructure for the secondary mortgage market. Named 2017 Real Estate Investor of the Year by Connected Investors. Leads design and full-stack AI-assisted development of the FIXnotes platform.
Bill McCafferty
Client SuccessFull-time asset manager and note investor with 20 years of experience in residential real estate. Specializes in institutional reperforming and non-performing 2nd mortgage notes, having managed approximately 1,500 NPLs for around 100 investors nationwide. Expert in bankruptcy, foreclosure, borrower resolutions, and helping borrowers reach win-win outcomes that protect investor returns.
Rachel Lugo
Operations Manager30+ years of experience in operations and customer success, specializing in workflow design, support operations, and data tracking systems. Rachel drives process improvement across the platform and manages CRM operations, vendor relationships, and knowledge base development to keep FIXnotes running at the highest level.
Shaun Hunt
Partnerships ManagerDrives media buying, marketing strategy, and client onboarding to help new investors get started and succeed with FIXnotes. Shaun manages strategic partnerships that expand deal flow and create new opportunities for our community, while ensuring every new client has the support and resources they need to hit the ground running.
Franco George Cabanela
Video EditorProduces video content, 3D animation, and motion graphics for the FIXnotes platform. Background in 3D design and modeling with Blender, plus game design experience with Unity. Franco's video editing makes our educational content more accessible, supporting our mission to democratize the secondary mortgage market.

Build your note portfolio.
Join over 1,816 investors who are building wealth through mortgage notes — or talk to our team about your goals.