$110 per month = high-level networking + resources, 50% off consultingLearn More







lock in your monthly rate | +$10 increase WITH every 10 new members
100% MONEY-BACK SATISFACTION GUARANTEE [request refund within 30 DAYS]


You can spend hundreds of hours learning the business, watching YouTube videos and analyzing assets but without solid relationships with good people, you’ll find yourself in a difficult position. In this business, perhaps more than most, your network = your net worth. You can easily lose your entire investment by trusting the wrong counter-party or score great deals by working with investors you know, like & trust.

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’re building a database of useful tools & templates for our members to leverage.



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.

Event Calendar

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

Vendor Rolodex

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

Member Forum

Work with the group to refine your strategies, ask questions or share what’s working in your business. Get to know fellow members and make connections!

Case Studies

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

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.

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.

Tools, Docs & Calculators

Find spreadsheet investment calculators, letter forms & document outlines here. Use these resources to develop your own effective processes & procedures.

Aggregated Trade Desk

Buy & sell mortgage notes at no additional cost! Be the first to see opportunities from around the marketplace or market your own loans for sale to the group.

Monthly Member’s Only Meetings

On the first Wednesday of every month, we get together as a group to talk shop. First, we’ll review the latest developments in the industry. Then we open the floor up to two of our member’s to share insights on a specific topic

50% Off 1-on-1 Consulting

Members unlock a 50% discount on FIXnote’s world-class consulting. Membership pays for itself after just a few hours of consulting time, not to mention the ROI when you take action with our guidance.

Affiliate Program

Earn up to 100% of new referral’s first month dues when members sign up through your unique affiliate link. Word-of-mouth growth is how the Mastermind has been aligned for maximum member potential.


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: be.the.bank.

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 over 100 assets sold in the first few months of 2021.

As a culmination & continuation of my career in this industry, I’m excited to bring you the Mortgage Note Mastermind, a growing group approaching 100 investors poised to take their businesses to the next level in 2021.

  • 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


decision time


30-Day, 100% Money-Back Guarantee
MNM Membership


per month




[1,000 member max]

Join 94 active members today and lock in your monthly rate! Monthly price will never increase once you’ve subscribed. Cancel anytime if not satisfied or within 30 days for a full refund.

  • database of Note Industry content
  • monthly Zoom meetings (+ past recordings)
  • 50% off consulting
  • aggregated trade desk to buy/sell assets (no fees)
100% money-back guarantee if you are not satisfied within the first 30 days

Month-to-Month Membership, Cancel Any Time


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 10 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.