June 3, 2026 · Robert Hytha
Case Study: $326K Step-Rate Interest-Only Loan Modification
NPL case study: a $326K loan resolved with a step-rate interest-only modification from $1,000 to $1,900/month, incentivizing borrower refinancing.
May 29, 2026 · Robert Hytha
Case Study: 151% IRR on a Vacant Land Short Sale
NPL case study: a $9,800 non-performing vacant land note resolved through a short sale that netted $38,248 — a 151% IRR over 23 months.
May 26, 2026 · Robert Hytha
Fix and Flip Non-Performing Mortgage Notes
Fix and flip non-performing notes: buy defaulted loans at a discount, resolve them, and sell re-performing loans at a premium for high IRRs.
May 15, 2026 · Robert Hytha
Case Study: 336% IRR on a Non-Performing Second Lien
NPL case study: a $9,400 non-performing second lien from a bulk pool was modified and paid off in full at $25,667 in six months — a 336% IRR.
May 6, 2026 · Robert Hytha
Case Study: 229% IRR on a $6,450 Senior Lien
NPL case study: a $6,425 non-performing senior lien was modified, reperformed, and sold for $14,000 in seven months — a 229% internal rate of return.
April 24, 2026 · Robert Hytha
$1,250 into $4,445: Mobile Home Note Case Study (255% ROI)
NPL case study: a $1,250 non-performing mobile home note paid off in full at $4,445 within four months — a 255% ROI with annualized IRR over 200%.
April 10, 2026 · Robert Hytha
48% IRR with RPL Arbitrage: A Note Investing Case Study
RPL arbitrage case study: a $61,000 re-performing note flipped for $73,000 after seven months of payments — generating a 48.36% IRR.
April 3, 2026 · Robert Hytha
$280,000 Payoff on a 2nd Mortgage Note
NPL case study: a $164,900 second lien on a $1.25M property settled for $280,000 via discounted payoff — 69.8% ROI and 49.25% annualized IRR.
March 25, 2026 · Robert Hytha
Mortgage Note Investor Case Studies: Real Deals, Real Numbers
Note investor case studies: a $7K first lien that returned $30K+ and a $1K land note yielding 1,750% IRR from deeply discounted NPL deals.
March 13, 2026 · Robert Hytha
Two Real-World Case Studies: A Discounted Payoff and a Profitable Note Sale
Two real-world NPL case studies — a first-lien DPO at 50%+ ROI and a second-lien note sale at 45 cents — show how deal structure drives returns.
March 2, 2026 · Robert Hytha
Case Study: 121% IRR on a Loan Modification and Note Sale
NPL case study: a $15,750 second lien was modified and sold as a re-performing note for $30,033 — generating a 121% internal rate of return.
February 28, 2026 · Robert Hytha
Case Study: 380% IRR on a Second Lien Discounted Payoff
NPL case study: a $120,000 non-performing second lien received a $333,900 discounted payoff in two months — generating a 380% internal rate of return.
February 21, 2026 · Robert Hytha
Case Study: From a $69 Note to a $4,420 Payoff
Note investing case study: a $69 mortgage note turned into a $4,420 payoff after a tax sale wiped the lien and the borrower voluntarily settled the debt.
February 17, 2026 · 12 min · Robert Hytha
The Beginner's Guide to Resolutions for Non-Performing Mortgage Notes
Non-performing note resolution framework: demand letters, forbearance, loan modifications, foreclosure, and the three-party team behind every workout.
February 15, 2026 · Robert Hytha
6 Exit Strategies for Non-Performing Notes
Non-performing note exit strategies — from loan mods to foreclosure — and why choosing the right one before you buy drives pricing and returns.
February 2, 2026 · Robert Hytha
Win-Win Resolutions in the Current Climate with Fuquan Bilal
Fuquan Bilal shares proactive NPL workout strategies — payment deferrals, door-knock campaigns, and creative structures that protect returns.
January 20, 2026 · 7 min · Robert Hytha
Short Sale Strategy for Note Investors
Short sales let borrowers sell for less than the debt owed — a faster, cheaper exit than foreclosure for note investors who bought at a discount.
January 7, 2026 · Robert Hytha
Deed-in-Lieu: A Win-Win Exit Strategy for Note Investors
Deed-in-lieu of foreclosure lets note investors acquire collateral without the cost or timeline of formal foreclosure. When and how to use it.
December 29, 2025 · 9 min · Robert Hytha
Payment Plans for Non-Performing Notes
Four payment plan types for NPL resolutions — forbearance, interest-only, fully amortized, and reinstatement — with structuring and recording tips.
December 12, 2025 · Robert Hytha
The Discounted Payoff: A Win-Win Exit for Note Investors
Discounted payoffs let borrowers settle for less than the balance owed. Learn how to structure, negotiate, and close a DPO on non-performing notes.
December 1, 2025 · 22 min · Robert Hytha
How to Calculate and Negotiate Win-Win Resolutions with Gerald Lemoine
Win-win NPL resolution math: financial calculator techniques for structuring loan modifications, partial sales, and IRR-driven borrower outcomes.
November 17, 2025 · Robert Hytha
How to Help Borrowers Succeed Where Banks Have Failed
Note investors help borrowers where banks fail. How flexibility, direct contact, and creative resolutions produce outcomes big lenders cannot.
