July 31, 2026 · Robert Hytha
Case Study: 142% IRR on an NPL Junior Lien Modification-to-Payoff
NPL case study: a $19,900 junior lien on a $433K property was modified at $362/month, then paid off in full within 8 months — generating a 142% IRR.
July 29, 2026 · Robert Hytha
Case Study: 50.5% IRR on a Vacant Land Loan Modification
NPL case study: a $1,849 senior lien on vacant land resolved through a loan modification paid to maturity in 23 months — producing a 50.5% IRR.
July 28, 2026 · Robert Hytha
Case Study: 127% ROI on a Non-Performing Second Lien Payoff
NPL case study: a $3,125 non-performing second lien settled at 50% of UPB via discounted payoff in 11 months — delivering 127% ROI.
June 26, 2026 · Robert Hytha
Case Study: 80.6% ROI on a Land Note Surplus Payoff
NPL case study: a non-performing Florida land note earned 80.6% ROI when tax deed sale surplus went to the senior lien holder — no workout required.
June 17, 2026 · Robert Hytha
Case Study: $625/Month Cash Flow from a Delinquent Second Mortgage
NPL case study: a $34,452 delinquent second mortgage modified into $625/month passive cash flow — delivering a 19% cash-on-cash return for the investor.
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 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.
