September 25, 2026 · Robert Hytha
Balancing Risk and Return in Your Note Portfolio
How to balance risk and return in a mortgage note portfolio using lien position, loan status, geography, and position sizing as control levers.
September 1, 2026 · Robert Hytha
How Bank Reserve Ratios Signal NPL Supply
Bank reserve ratios are a leading indicator of NPL supply. Learn how to read coverage data and anticipate waves of distressed note inventory.
August 14, 2026 · Robert Hytha
Details Behind a $35,435 Sales Commission in Q3
How 16 NPL transactions across 12 buyers generated $35,435 in loan sales fees on $700K of contract price in a single quarter.
July 24, 2026 · Robert Hytha
How We Earned Over $20K Selling Loans in Q2
A transparent breakdown of five Q2 loan sales totaling $530K in contracts and $20,440 in earned fees across NPL seconds and firsts.
July 15, 2026 · Robert Hytha
How to Fund the Best Mortgage Note Deals
Fund or flip? How to evaluate mortgage note deals using capital, time, skill, and interest — plus the pricing and LOI process to close.
July 1, 2026 · Robert Hytha
Why Note Investors Aren't Getting Capital — and How to Fix It
Note investors struggle to attract capital because of avoidable business setup mistakes — entity naming, web presence, and deal structuring.
June 30, 2026 · Robert Hytha
An 11% Return in Stocks vs. 11% in Real Estate: The Real Difference
Leverage turns an 11% real estate return into 30-50% cash-on-cash. Why stock and real estate returns are not comparable despite matching percentages.
May 27, 2026 · Robert Hytha
Tax Implications of Mortgage Note Investing
How mortgage note income is taxed — interest, capital gains, market discount, OID, and SDIRA strategies. Rules every note investor must know.
May 13, 2026 · Robert Hytha
Note-on-Note Financing: How to Borrow Against Your Notes
Note-on-note financing lets you borrow against a mortgage note you own: how the UCC pledge works, what lenders ask for, and bank lines vs. other capital.
May 11, 2026 · Robert Hytha
How to Fund Note Deals with Other People's Money
Fund note deals with other people's money using JV structures, private capital, and fund formation — SEC rules, profit splits, and sourcing.
May 1, 2026 · Robert Hytha
How Much Did We Earn From Q1 NPL Sales?
A behind-the-scenes look at Q1 loan sales: $3.4M in UPB liquidated, nearly $2M generated for the client, and $90K in earned fees.
April 28, 2026 · Robert Hytha
The Partial Sale Strategy: Keep the Note While Collecting Cash
Partial note sales let you sell future payments for upfront cash while keeping ownership. Recapture capital without giving up long-term value.
April 20, 2026 · Robert Hytha
Choosing the Right Entity for Your Note Investing Business
LLC, corporation, SDIRA, or Delaware Statutory Trust? How to choose the right entity for your note investing business based on liability, taxes, and scale.
February 25, 2026 · Robert Hytha
How to Allocate Your Real Estate Note Investing Portfolio
Note portfolio allocation: how to balance yield, reinvestment risk, and resolution timelines across performing and non-performing mortgage notes.
February 16, 2026 · Robert Hytha
How to Buy Mortgage Notes with a Self-Directed IRA
Use a self-directed IRA to buy mortgage notes with tax-deferred or tax-free growth — custodian selection, account setup, and prohibited transaction rules.
