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Join the Mortgage Note Mastermind


Get on track or your money back


Instant & Lifetime Access to all our training & a 90 days of access to our online group of experienced note investors that have maximized their success by leveraging our network of collective secondary mortgage market wisdom. Instantly unlock the tools, resources, network, systems & strategies we have refined over a decade. Avoid the devastating mistakes that cost us $992,682.52 of invested capital without leaving your home office!


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30 Day Money-Back Trial | SATISFACTION guarantee
Month-to-Month Membership, Cancel Any Time


introducing the F.A.L.C.O.N. method [VIDEO]

YouTube video
  • Foundation Series + Masterclass Video Training (LIFETIME ACCESS)
  • Aggregated Trade Desk & exclusive acquisition opportunities*
  • Leveraging Legal: nationwide attorneys, limit liability with entity structure secrets*
  • Case Studies: 100+ documented deals & more from member presentations*
  • Online Database: Vendors, Templates, Tools/calculator*
  • Networking – daily Forum, weekly calls & monthly live expert sessions*

*membership features

“Rob and the team run a very professional organization and are well-known in the note-investing world so I have come to trust that I will get what I pay for”

— Lisa Lemire, Note Investor

“I will continue to do business with Rob because I know when purchasing - my money is going to someone that will deliver on what is promised”

— Amed Hazel, Note Investor


The mortgage note business can be confusing! I remember my first day in the US Mortgage Resolution office (my introduction to the industry back in 2011). I was trying my best to piece together enforceable collateral files. Everything was foreign… verifying promissory notes, security instruments and the endorsements and assignments that transferred ownership. I didn’t even know what I was looking at! And there really wasn’t anywhere to go for information, other than the people who had already figured it out. Once a month, we met with a group of local investors to talk shop & compare “notes” – these meetings were critical to my understanding and eventual mastery of the business. Without this network of entrepreneurs, our mistakes would have cost much more than the $992k we spent on loans that turned out to be duds. Without these meetings, we wouldn’t have had the skill or knowledge to earn over $50 million and counting from payoffs, modification payments & loan sales.

Whether you’re just starting out, or already an experienced note investor – the Mortgage Note Mastermind will give you the missing ingredients to take your business to the next level:

  • Don’t stress about licensing and regulation – structure your entity to leverage a nationally chartered bank’s state-level provisions
  • Stop wondering where your next deal is going to come from – build a predictable pipeline of asset acquisition opportunities
  • Ensure your non-performing resolution process is firing on all cylinders and your cash-flowing portfolio is spitting out amazing monthly returns
  • Find asset buyers (& sellers) using our member’s only Trade Desk to get deals done with no transaction fees
  • Don’t worry about missing critical details in your due diligence process – follow our systems to comprehensively analyze one or a thousand mortgage notes in bulk
  • Achieve financial freedom by creating a lifestyle business or build wealth beyond your wildest dreams by scaling up, raising capital & deploying funds in bulk wholesale deals

The Mortgage Note Mastermind is a proven way to meet successful Note Investors & top performing real estate entrepreneurs – we’ve been doing business with some of them for over a decade. Combined, we manage hundreds of millions of Unpaid Principal Balance & tens of thousands of performing, non-performing, 1st & 2nd position Mortgage Notes secured by residential real estate across the country. We work together to share ideas, buy/sell assets, recommend vendors and create partnerships.

We’ve built all this for you to leverage, valued in excess of $39,500 (and growing) – only available here


Aggregated Trade Desk

Hundreds of hard-to-find asset acquisition opportunities (from a few thousand dollars to multi-million dollar deals at a discount) available right now with $0 trading fees. Current members believe this alone is worth signing up for FIXnotes Mastermind at $990/month.


Tools, Docs & Calculators

All the tools, calculators, legal documents, agreement templates, Excel formulas (and a lot more) are included as a member of the FIXnotes Mastermind. Use these resources to develop your own effective processes & procedures.

$5,000 VALUE

Member Forum

Collaborate with some of the top note investors in the country. Ask anything, consulting via the Forum is included in your membership. Let me help you solve your business problems by answering your questions on the forum whenever you need help.

$1,000 VALUE

County/State Database

3,000+ counties and all 50 states are included in our repository. Use this tool to research foreclosure/REO expense estimates, learn more about local laws & make sure you are fulfilling the appropriate requirements. This database is years in the making & continues to grow.

$1,500 VALUE


Meet some of the top performing note investors in the country, managing hundreds of millions of dollars of investor & personal capital. Make connections, build relationships and establish your reputation in the business.

$7,000 VALUE

Event Calendar

Stay on top of the latest Industry Events, webinars & networking opportunities. Rewatch recordings of past Member’s Only Meetings.

$1,000 VALUE

Vendor Rolodex

Start building your network with these industry contacts, see example reports & find the best counter-parties to operate your business.

$2,000 VALUE

Case Studies

All of the wins & losses [50+ case studies] we have discussed on are revealed in more detail here, catch up with time-stamped URLs.

$1,750 VALUE

Inventory Records

Every Case-Study references data here – over 4,000 assets, resulting – borrower payoffs, investor sales & REO liquidations. Model your own “Master Inventory” after this database or use the market intel to build your pricing model.

$1,500 VALUE

Monthly Member’s Only Meetings

Learn from top performing mortgage note investors. Study new strategies that are defining the current note investment landscape. Steal all the secrets in our video call recordings – unlocked immediately after signing up. $5,750 VALUE

50% Off 1-on-1 Consulting

50% discount on FIXnote’s world-class consulting. Membership pays for itself after just a few hours, not to mention the ROI when you take action with our guidance. $500 VALUE PER HOUR

Affiliate Program

Receive a 20% monthly recurring commission for 0-2 active referred members, a 25% commission for 3-9 members, and a 30% commission for 10+ active referred members. The Mastermind’s growth is optimized through word-of-mouth referrals. START EARNING ASAP




Included in your membership, instant access to our in-depth masterclass video series, with regular new courses & updated content. To start, complete 90 Day Note Investor. Learn how to make money in notes without any of your own capital with Mortgage Note Matchmaker then move on to Secrets to Sourcing and Comprehensive Due Diligence. These high-quality courses are ONLY available for Mastermind Members, valued individually at $2,500 per course, access instantly!



Also included in your membership, instant access to our in-depth Foundation Video Series:




“I wish I had known about Rob and the Mastermind program on Day 1 because I would have saved months off of my first 9 months to get up and running. It’s just a fantastic resource for videos, documents, vendors & service providers. They also have a fantastic system for acquiring NPLs for my portfolio. Closing is quick and efficient. Just a great process, very high-quality inventory.”

— John Howard, Sleep Again Capital

YouTube video

“What Rob has put together is a really phenomenal group of people and I highly recommend that you take advantage of it. I’ve worked with Rob for at least 5-6 years, we’ve done a lot of transactions together and he is the most trustworthy person in this industry hands down, and I’ve worked with everyone and Rob is at the top of the list as someone you can count on.”

— Josh Andrews, Notable Capital Fund / Author of Paper Profits

YouTube video

“I’m a seasoned real estate investor in the distressed space for over a decade. I came across the Mastermind and it looked like a no brainer to join. It’s been a real boost to my business personally. I’ve done trades with people in the group and have had one-on-one conversations with other members to work through problems. It’s changed the way I view the secondary note space. I’m appreciative to Rob & the group, it’s a no brainer to super-charge your note investing career.”

— DJ Olojo, ASO Holdings

YouTube video

“We have been doing business since 2013. Rob is one of my most trusted and respected people that I work with in the business, we have done many deals together. There are many pitfalls in the business and Rob has always been very honest, straightforward and done the right thing by me.”

— Sandor Lau, Noted Financial

YouTube video

“When you think of the word “value” I want you to think of Rob Hytha. The Mastermind community lets you connect with other investors, learn of upcoming industry events and watch tons of videos with more information on mortgage notes.”

— Dasia Sherman, Sherman Real Estate

YouTube video

“Rob is the freaking real deal, he’s been doing this for a decade. He knows the ins and outs and exactly how to do this. If you’re looking to learn how to diversify your assets and invest in debt you should definitely do it.

— Brad Hart, Make More Marbles

YouTube video

“The Mastermind has really helped us with networking. We love the content, it’s been such great information every month from other member experts in the space. It’s fascinating to hear from our fellow investors. The Mastermind has been invaluable and we highly recommend it. “

— Joe & Malena Lopez, JMJL Investment Group

YouTube video

“Rob is not only extremely knowledgeable, he’s also honest. And that’s not something I ever say lightly. I’ve been ripped off before, I’m not proud to say. But I can say that Rob always keeps his words and goes out of his way to help.”

— Scott Siegelman, Transform Properties

YouTube video

“Rob has been a great counter-party and super knowledgeable in the note space. He’s always willing to share and exchange ideas. He’s added a lot of value to my business and the industry as a whole. I’ve met a wide range of members through the forum to expand my note business and connect with new people.”

— Nick Hawryluk, Venture Works

YouTube video


  • ABUNDANCE MINDED: seeking opportunity, unthreatened by scarcity
  • CREATIVE NOT CONSUMPTIVE: net positive value contributed
  • CARING NOT CUT-THROAT: towards the present & future – sustainability
  • INDUSTRIOUS: applying leverage to multiply efforts
  • TRUSTWORTHY & DEPENDABLE: reputation is everything

From Mowing Lawns And Shoveling Snow For his Dad’s Rental Properties To Handling Multi-Million Dollar Note Deals For USMR, Robert Hytha Is one of The Most Sought After Note Business Advisor in the industry.

In the Spring of ’11, my junior year, I was studying marketing and excited about entrepreneurship. One fateful Monday night, I sat through a guest lecture from a real estate investor (Joe) building a Note Business: investing in secured junior liens. As a kid from a family that renovated & rented victorian homes outside of Philadelphia, I was intrigued with the idea of real-estate secured assets. Rather than buying homes, this investor bought mortgage notes to assume the position of the Bank. I knew what it was like for a Borrower, my parents owed plenty of mortgages over the years – it was hard work! Mom & Dad had to keep their units rented & in working order. I would mow lawns & shovel snow otherwise face fines from the township.

When I started buying my own properties, I was in for a treat – the day after closing my second rental, I got a call from the tenant – “sewage is filling up our kitchen sink when we flush the toilet upstairs!!”. Fortunately, with my father’s help, we replaced the corroding cast iron stack with PVC and cleared up the issue. But do you know who made money the whole time with literally ZERO work? The mortgage company. While dad and I wrestled with stinky pipes, the bank did their thing: collect principal + interest. What a deal! As note holders, investors step into these privileged shoes and avoid the hassles of tenants, toilets, townships, and termites – that’s the owner’s job.

While my dad is capable with any power tool, I was more comfortable with the computer. I knew early on that my value to the real estate industry would not be wearing a tool belt – my skills were on the phone, mouse & keyboard. And it was clear to me, I couldn’t miss this opportunity to learn the Notes business. Later that week, I interviewed with Joe & his co-founder Tom. We hit it off and I was hired as an intern to begin work the following Monday auditing collateral files. At first, I had no clue what I was doing but over the years, I took on more responsibility. Thousands of assets later I became an indispensable part of the team, handling everything from sourcing, due diligence, pricing, negotiation, on-boarding, asset management, disposition strategies and process development.

After 6 years in the industry, I was ready to build my own brand by  launching FIXnotes, focused solely on providing value to Mortgage Note investors. First I wrote How to Invest in Mortgage Notes, our 100% free online course, to educate investors on how to invest in Notes the right way. Then I launched our live, industry YouTube show:

No longer an intern, Tom & Joe now trust me with their firm’s entire mortgage note portfolio. Since hiring FIXnotes in 2017 we’ve helped them buy & sell thousands of assets, with revenues in the tens of millions. I continue to play an active role in the secondary mortgage market as a portfolio manager, high-level consultant and trade desk with hundreds of assets under management.

As a culmination & continuation of my career in this industry, I’m excited to bring you the Mortgage Note Mastermind, a growing group of over 100 investors poised to take their businesses to the next level in 2024 & beyond.

$39,500.00 VALUE

The obvious choice:


LIFETIME ACCESS + 90 Day Trial membership

30 Day Money Back Guarantee: Signing up doesn’t mean your final decision is today, make an informed decision by taking advantage of our money back guarantee (think of it as a 30 day trial). We are confident with the quality & effectiveness of our offering to take your note business to the next level – and the only way for you to be fully informed is on the inside. So get into the group and confirm that everything we provide is valuable to you. If it is, then you can decide to stay. If it’s not for you, no hard feelings – but you will have made a fully informed decision. Whether it’s within 29 minutes or 29 days from now – if you aren’t happy, we’re not happy. If for any reason whatsoever, if you want your money back, let me know and we’ll process a refund promptly.

90 Day Accelerator


one-time fee

then $300 per month (after 90 days)
Limited Time Offer | $990 per month

1/3 SEATS FILLED AT $300 per month Level

[1,000 member hard cap]

Join 140+ active members today and lock in your monthly rate! Monthly price will never increase once you’ve subscribed. Cancel anytime if not satisfied – within 30 days for a full refund.

lock in your monthly rate today!
30 Day Money-Back Trial | satisfaction guarantee


Tell me more! Loan Sales Results, Member details, etc

Glad you asked! Here is an update of all of the sales we completed last year including some information on the current enrollment: FIXnotes Mastermind Metrics

What is the vision for this group?

A community of growth-oriented entrepreneurs leveraging technology & distressed asset opportunities to create win-win-win results. We work together to help borrowers modify, pay-off or liquidate – faster & often at a discount. We help banks find a market for unresolved loans & our families achieve financial freedom.

What type of assets do you cover?

The focus of the group is on residential real-estate secured mortgage notes. Our members buy performing & non-performing debt. We are experienced buying both Junior & Senior liens. Some of our members buy commercial debt and other types of assets.

What if I'm not ready to join?

There is TONS of free content available from FIXnotes, including our comprehensive mortgage notes course and 30+ episodes of our YouTube show.

Once you have learned everything you can from reading & watching the free content, we’ll be here for you!

Why should I join today?

With every 3 new members, new sign-ups pay +$10 per month. Eventually, new seats will cost $900+ per month – be an early adopter and save your seat now! [1,000 member max]

What if I can't afford the monthly dues?

If you’re boot-strapped and building a note business without a lot of capital to deploy, the Mortgage Note Mastermind will help you get a foot in the door.

Not only can you earn money by referring new members but you’ll have the opportunity to connect with investors who have more capital than time and might be looking for help.

Will I know anyone who is already in the group?

Probably! If you have spent a little time in the industry, you’ll recognize many of our members. Our group includes some of the most experienced names in the business. You may know a few of our members who have presented topics in the sessions listed in the next question.

How do the monthly member's only meetings work

On the first Wednesday of every month, two members share presentations on various topics in the industry. Our community includes many experts, published authors and successful note investors. Some of the sessions we have recorded so far:

CFDs versus Notes: Cons of Investing in Contract for Deed(s)

Eric Scharaga – Montvale Capital Management

Financing Note Transactions: Credit Line versus Debt Facility

Tom Boren – Aspen Funds

Rentals/Notes: Pros + Cons & Portfolio Management

Jeremy Geng – 2nd Chance Mortgages, Home Expo Financial

Valuing Non-Performing Loans: Market Value versus Yield

Bill Bymel – 1st Lien Capital, RSI Asset Management

SOL in OH, MI, MD, FL & PA: Understanding the Statute of Limitations, State-by-State

Malena Lopez – JMJL Investment Group

Calculating & Submitting Bids: Pricing/Process of a Successful NPL Buyer

Joshua Andrews – Notable Capital Management, Paper Profits

Get to Know your Borrower: Public Info/Vendor Data for the Borrower’s Story

Terrie Thomas – Fresh Start Funding

Pre-Bid Bulk DD with Excel: Seller Data for Decisioning (Formulas/Pivot Tables)

Robert Hytha – FIXnotes

REO Management for Note Investors: What to know before you take back the property

Jose Gutierrez – River Flow Funding LLC

New Regulation Proposals to Monitor: Finding Opportunities in 2021 & beyond

Matt Kelley – RTED America, LLC

State of the Industry, the Future of Finance: How to survive the decline of the dollar

Sandor Lau, Noted Financial

 Win-Win Resolutions: Getting borrower deals done without Foreclosure

Fuquan Bilal, NNG Capital Fund

How to Calculate & Negotiate Resolutions: Financial Calculator to Increase Yield

Gerald Lemoine –  The Lemoine Group, Inc

Building a Note Business that Works for You: Fund Structure Options

Lisa Lemire – Kamini Bay Asset Management, LLC

Due Diligence through Dispositions: Life-Cycle Case-Study of a Note Portfolio

Bill Bymel – 1st Lien Capital, RSI Asset Management

Investing In Yourself: Developing Skills to be a Successful RE Entrepreneur

Fred Moskowitz – Liberties Management Corporation

Developing Relationships & Closing Deals: How to be a Great Buyer

Joshua Andrews – Notable Capital Management, LLC

Beyond Skip Tracing: Pre/Post Acquisition Borrower Research

Malena Lopez – JMJL Investment Group

Investigating Legalities Yourself: State-by-State: Secured & Licensed

Scott Siegelman, Esq. – Transform Properties, LLC

Collections & Outreach Strategy: Limit Liability & Maximize Results

Chad Urbshott – Equigrowth Properties LLLP

Tell me about the guarantee, how is this a "risk-free" offer?

In the first 30 days after joining, we offer a 100% money-back guarantee to dissatisfied customers. Go through all our content and explore the membership portal. If you decide it isn’t a good fit – send us an email requesting a refund and we will send all of your money back.

Our subscription services is processed through Stripe – a great system that makes it very easy to refund & cancel subscriptions if you are not satisfied. Think of your first 30 days as a trial period. Beyond the first month, you can cancel your subscription at any time.