Note Investor WorkshopFree hands-on workshop · 7 steps · ~70 min
Work a note deal start to finish, then make a practice offer on a real loan
In 7 steps you’ll learn how note investors buy discounted mortgage debt, work a deal through due diligence, and make a practice offer on a real loan we sold in the last 90 days.
Start the Free WorkshopOne loan, start to finish · 92 seconds · a simulated loan, for training
- $777M+
- in principal balance handled
- 2,488+
- investors in the community
What you’ll do
Seven steps, about 70 minutes. Two of them you do yourself, on real deals.
LearnSteps 1–4 · 40 min
- Become the BankWhat if you didn't need to own property to build wealth in real estate?12 min read
- Your Unfair AdvantageBanks won't sell to you. Here's how FIXnotes solved the access problem.10 min read
- People Like YouAn esthetician, an athletics director, and an immigrant from El Salvador.8 min read
- The Window Is OpenNotes are trading at historic lows. The rebound has already started.10 min read
Do it yourselfSteps 5–6 · 30 min
- Analyze a DealRun a training NPL through the 4-step due diligence waterfall yourself.20 minHands-on
- Submit a Practice OfferMake a risk-free offer on a real asset from our marketplace.10 minHands-on
DecideStep 7
- Your Next StepEverything you need to start making real offers.
Investors who started where you are
Screenshots and videos from members, unedited except for redacted contact details.
Roz's story, in her own words
Doubled his money in under a year
From cautious first-timer to repeat NPL buyer
From YouTube viewer to Mastermind member
In his own words: John Howard
First deal — $1M+ of NPLs within 6 months of joining
Results are not guaranteed and will vary based on individual effort, market conditions, and other factors. The income examples shown are exceptional results from past or current clients and are not intended to represent or guarantee that anyone will achieve the same results.
This is for you if…
You invest in real estate and want out of the landlord grind
Fix-and-flip, rentals, wholesaling — you know real estate works. You’re tired of tenants, repairs, and midnight emergencies. Notes let you stay in real estate without owning property.
You’ve been learning but haven’t done a deal yet
YouTube videos, courses, forums — you know the concept works. You just don’t know where to start or who to trust. This guide gives you the structured process and a real practice rep.
You want to invest ethically — not be a “vulture”
You buy debt at 40 cents on the dollar. That discount lets you offer the borrower a deal the bank never could — a lower payoff, an affordable modification, a fresh start. The resolution that keeps them in their home is usually the fastest and most profitable for you.
Questions
Is it really free?
Yes. The workshop is free, and so is the account you create at Step 6 to submit practice offers. No credit card.
Do I have to give my email?
Not to start. Steps 2 and 4 offer to email you the NPL Investor Field Guide and save your progress; you can skip both. You’ll create a free account at Step 6 to submit practice offers.
How long does it take?
About 70 minutes across seven steps. Go at your own pace; your place is remembered on this device.
Is the loan in the video real?
No. It’s a simulated training loan, so we can show every document and number. The deal you analyze in Step 5 is a training deal too, with realistic numbers. The practice offers in Step 6 are on real loans sold in the last 90 days.
What happens after Step 7?
If you want to buy real notes, you can apply for a call to map out where your capital fits. You can also stop at any step.
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.
Start with one loan.
Seven steps, about 70 minutes, no email to start.
Start Step 1