Fifteen years of expensive lessons, distilled into eight hands-on modules. Finish confident, competent, and credible to institutional sellers — with the certification, the vetting package, a private 1:1 strategy session to map your first 90 days, and twelve months of the FIXnotes platform to put it all to work — including the marketplace with the $250K minimum waived once you qualify.
Twelve months on the FIXnotes marketplace, where institutional sellers list live non-performing notes. Complete your buyer qualification and the $250K minimum trade size is waived, so you can start at one note instead of a portfolio you can't fund.
The CNP™ designation and your Portable Vetting Package travel with you. A public verification link any counterparty checks in thirty seconds, and a PDF bundle that answers the entity, insurance, servicing, and compliance questions every institutional seller asks before they'll engage. Not FIXnotes-locked — yours in every conversation in this industry.
The curriculum is how you walk through either door without losing money on the way.
The market teaches NPL investing one expensive lesson at a time. FIXnotes' founder watched his first client spend $992,000 learning it that way — a junior lien wiped out by a senior nobody checked, a collateral file that fell apart at closing, an assignment chain with a hole in it. The lessons were excellent. The tuition was brutal.
Every one of those lessons — priced, documented, and turned into a module. You make the expensive mistakes on practice data and applied exercises, not your bank account.
A second lien is only worth what survives the first. The wipeout test — FMV minus senior balance — is a two-minute check that separates an asset from a donation.
Property taxes are super-priority. In one real trade, due diligence caught a $181,000 undisclosed tax bill before funding — the DD waterfall in Module 4 is that check, systematized.
Missing assignments, lost note affidavits, allonges that skip an entity. Module 4 teaches the collateral-file audit that catches curable defects — and the fatal ones.
Buy a note where the statute of limitations has run and you've bought a lawsuit exhibit. Reading the tape for time bombs is Module 2, lesson two.
Institutional sellers — banks, servicers, funds — rarely engage buyers who can't demonstrate entity structure, compliance systems, and the operational capacity to close and service loans properly. Your offer doesn't get rejected. It gets ignored. That's the difference between a seller taking your offer seriously and never writing back.
The Accelerator ends with the two things that close that gap: a Portable Vetting Package that proves you're a real, qualified buyer in thirty seconds — and qualified-buyer status on the FIXnotes marketplace, where the $250K minimum trade size is waived once you qualify.
600%+ ROI from a mortgage note — how DJ did it
"Among the top 5 most knowledgeable people in this industry"
Closed a $2.7M note deal
First deal — $1M+ of NPLs within 6 months of joining
One sign made a 400% ROI in 3 weeks
Doubled his money in under a year
From YouTube viewer to Mastermind member
$1,850 NPL into $125/mo for 8 years
Sequential unlock — Module 3 opens when Module 2 is done. One exception, on purpose: Module 7 — Compliance & Vetting — is open from day one, so you can start your buyer qualification immediately and skip ahead to buying notes in the marketplace while you work through the curriculum. Every lesson ends with a knowledge check you pass at 100% or retake. Six modules end with applied exercises: real data, real scenarios, real decisions. This is not a video firehose you watch at 2× and forget.
What mortgage notes are, how the market works, entity setup, and an overview of funding options.
Finding notes, evaluating sellers, reading data tapes, and building your buy box.
How to price NPLs, submit competitive offers, and understand market comps.
The DD waterfall: pre-bid screening, title/tax/liens, property valuation, borrower research, bankruptcy, and collateral file audit.
Closing a purchase, servicing transfer, selling notes, brokering deals, and structuring for all parties.
Loan modifications, discounted payoffs, deed-in-lieu, short sales, foreclosure mechanics, and portfolio management.
Regulatory landscape (FDCPA, FCRA, CFPB), servicing standards, and building your vetting package.
Full deal simulation from data tape to resolution plan using real property data.
The final requirement is the capstone assessment — one real deal, from data tape to resolution plan, with the real sale price revealed at the end — the capstone assessment opens by the end of 2026; your certification completes there.
Module 1 starts at what a mortgage note is and why anyone sells one at a discount. Module 1's exercise walks you through entity setup, servicer options, and your buy box. You finish able to underwrite a tape and price a deal — no prior real-estate experience assumed.
You'll move through the early modules quickly. The due-diligence waterfall in Module 4 and the vetting package in Module 7 are where experienced investors slow down and take notes — they're the parts that separate a buyer sellers engage from one they ignore.
Certified Note Professional™ is FIXnotes' professional designation. It requires completing all eight modules, passing every knowledge check, working the applied exercises, and finishing the capstone assessment. It tells sellers, partners, and capital that you know how to underwrite and resolve mortgage notes — because you demonstrably did the work.
Few note buyers ever go through a structured qualification process — which is exactly why sellers don't trust them. In Module 7 you build yours piece by piece: thirteen sections covering your entity, insurance, licensing, servicing arrangement, compliance controls, and seven signed compliance agreements. FIXnotes reviews it — including a background screening — typically within 1–3 business days, and you walk away with two artifacts:
“I've completed FIXnotes buyer qualification — here's my verification link.” That sentence changes how outreach lands.
Training without deal flow is a book club. Your enrollment includes a full year of the Foundation platform — the same platform that bills $167/mo on its own — so you practice, price, and transact while you learn:
The full inventory, by pillar — tap any feature for the details:
Certification completes at the capstone assessment, which opens by the end of 2026.
The platform on a yearly subscription, with the Accelerator included.
Your rate is locked — Foundation's price will rise; yours stays $1,497/yr.
Renews automatically each year at that locked rate, and you can cancel any time from your account.
Includes the certification track, your vetting package, and the 30-day guarantee.
Buy the program outright. Twelve months of the platform comes with it.
Founding price — $2,500 when the capstone assessment opens.
Nothing renews. The platform pauses after 12 months unless you renew.
Renew any time at a locked $1,497/yr, even after the public price rises.
Both include the eight-module Accelerator, the CNP™ certification track, your Portable Vetting Package, the private 1:1 strategy session, and twelve months of the FIXnotes platform.
400% cash-on-cash in two weeks
Closing trades together since 2013
Consistent access to high-quality note buying opportunities
Go through the training. Start your vetting package. Sit in on Deal Lab. If it's not worth it, email us within 30 days for a full refund — no forms, no calls. A refund ends program access, including the certification track.
Pay once and nothing renews — renewal after your year is a choice you make, at a rate locked the day you joined. Or take the annual plan and cancel any time from your account. Both carry the same 30-day guarantee.
Complete the program and the CNP™ certification and your vetting package are yours for life — whether or not you ever renew the membership.
The note business, the secondary market, your entity and buy box — your operating foundation, in place by the end of week one.
You're inside the DD waterfall — title, taxes, valuation, borrower research, collateral audits — and pricing real practice assets.
Certified, qualified, vetting package in hand, submitting real offers on institutional deal flow.
Plan on around three focused hours a week for ninety days. The modules unlock sequentially (except Module 7 — Compliance & Vetting — which is open from day one), and every knowledge check requires 100% — you can move faster, but you can't skim.
Book it immediately after purchase — the confirmation page and your welcome email both link straight to the calendar. It's a private 1:1 with the FIXnotes team: we get you oriented, look at your capital and goals, and you leave with your 90-day plan for the best start to your note investing career.
The certification, the curriculum, and your Portable Vetting Package are yours for life either way — you keep alumni access no matter what. The difference is the platform: on the annual plan it renews and nothing pauses; if you paid once, platform access pauses unless you renew. Keeping your public verification link active requires a quick annual re-certification — free for alumni.
On the annual plan there's nothing to do — it renews automatically each year at your plan's price, and you can cancel any time from your account. If you paid once, renewal is opt-in: we'll email you before your year ends and you decide. If you continue, it's the Foundation annual membership at $1,497/yr, grandfathered at that rate even when the public price rises. If you do nothing, nothing is charged.
The annual option here IS that plan — same platform, same price, same Accelerator included. What this page adds is the choice to pay once instead: $1,997, nothing renews, and at the end of your year you can walk away and keep the certification, the curriculum, and your vetting package. Pay once and your renewal price is also locked at $1,497/yr the day you join, even as the public price rises.
Because the program's final piece isn't open yet — the capstone assessment opens by the end of 2026. When it does, the one-time price rises to $2,500. Founding buyers pay $1,997 now. You get every module that's live today, plus the capstone when it opens. The $1,497/yr renewal lock holds too — both are yours regardless of what the public price does later.
They deliver the same program, so it comes down to how you want to commit. Take the annual plan if you expect to keep using the marketplace and the tools past year one — it's the lower price and you never think about it again. Pay once if you don't want a recurring charge on your card, or if you want the certification and vetting package as something you own outright with a renewal rate locked at $1,497/yr whether or not you come back.
100% money-back for 30 days, no questions asked — email support and it's done. A refund ends program access, including the certification track and vetting package.
No experience required — Module 1 starts at what a mortgage note is, and Module 1's exercise walks you through entity setup, servicer options, and your buy box. Experienced investors move through the early modules quickly; the DD waterfall and vetting package are where even veterans slow down and take notes.
CNP™ is earned by completing all eight modules, every knowledge check, the applied exercises, and the capstone assessment, which opens by the end of 2026 — your certification completes there. Your buyer qualification comes with a public verification link any counterparty can check in seconds.
Immediately — your Foundation year starts the moment you enroll. The waived $250K minimum kicks in when your buyer qualification is approved (reviews typically take 1–3 business days once you submit your package).
The curriculum is built. The platform is live. The guarantee removes the risk. $1,497/yr or $1,997 once — either way, the first module is waiting.
100% 30-day money-back guarantee.
Results shown are individual member experiences and are not typical or guaranteed. Note investing involves risk, including loss of principal. FIXnotes provides education and tools, not investment, legal, or tax advice. Testimonials reflect real members; no compensation was provided.
