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158 articles, case studies, and podcast episodes for note investors.

The FIXnotes blog covers the full mortgage note investing lifecycle — sourcing assets from banks, credit unions, and secondary-market brokers; reading data tapes and pricing performing and non-performing loans; running due diligence on collateral, borrower, and title.

Workout negotiation covers loan modifications, discounted payoffs, and deeds-in-lieu; exits run through foreclosure, REO sale, or note resale. Every post is written from the perspective of an active investor working real assets.

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resolution strategiesCase Study

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.

resolution strategiesCase Study

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.

resolution strategiesCase Study

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.

resolution strategiesCase Study

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.

resolution strategiesCase Study

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%.

resolution strategiesCase Study

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.

resolution strategiesCase Study

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.

resolution strategiesCase Study

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.

resolution strategiesCase Study

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.

resolution strategiesCase Study

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.

resolution strategiesCase Study

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.

resolution strategiesCase Study

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.