Work a note deal start to finish, then make a practice offer on a real loan, free

Learn the steps our members use, then make a practice offer on a real loan we sold in the last 90 days. Your free account includes 3 practice offers.

~5 minutes — how note investors buy that debt at a discount and profit from the spread

$777M+in principal balance handled

2,488+investors in the community

Tired of tenants, repairs, and midnight plumbing calls?

Notes let you stay in real estate without owning property. No tenants. No toilets. The entire business runs on paper.

Been researching but haven’t done a deal yet?

This guide gives you a structured process and a real practice rep — not another course to watch.

Want to invest ethically?

The resolution that keeps the borrower in their home is usually the fastest and most profitable for you.

Investors who started exactly where you are

RozMastermind Member

$125/mo after a loan mod

“I followed the FIXnotes Playbook to purchase an NPL for $1,850 ($9K balance due) and in less than 4 months, modified it for $2,000 down + $125 per month for 8 years.”

CoryNote Investor

2x return in < 1 year

“A loan I bought from you back in Dec. 2023 just paid off. I got the note for around $7.5K and had about $3K in legal fees. I got notified I got paid in full. Just over $22K. More than doubled my money in less than a year.”

John HowardMastermind Member

$110K payoff

“I hit a big milestone in December with a $110,000 payoff. This has streamlined my process and I only wish I had discovered it sooner because it saved me so much time.”

DJ OlojoASO Holdings Inc.

Deal closed via network

“Thanks to your mastermind, I was able to connect with Tom at Aspen and sell him a performer. Thanks for bringing a great group of investors together.”

Jerry SandersFIXnotes Member

400%+ annualized

“We earned a 400% cash-on-cash return within just 2 weeks on a non-performing loan we bought from the FIXnotes Insider's Trade Desk.”

Mario MartinezMastermind Member

$1M+ first deal

“Put together my first deal within 6 months of getting started — closed with a local credit union to acquire over $1,000,000 of NPLs. And I was able to get it funded with nothing out of pocket.”

Questions

Why would a borrower start paying again?: Usually because the lien is still on the property. A charge-off means the bank stopped collecting, not that the debt is gone. Most borrowers want to keep their home, and a payment they can afford is how they do it. Checking that the lien still stands is part of due diligence.
Why are banks selling these?: Working out one small balance costs a bank more than it is worth to them, so they sell these loans, usually in bulk. An investor can give one or two loans the attention a bank won’t.
Do I have to talk to the borrower on my own?: You lead the conversation: as the note owner, you are the one who works the loan. You don’t have to figure it out alone. Any free account can bring questions to the bi-weekly Community Chat, and Mastermind members get live help on their own files.
Will I end up foreclosing on someone?: It’s the last resort. The resolution that keeps the borrower in their home is usually the fastest and the most profitable for you.