Porch Swing Funding

20/05/2026

There's a tax reality note buyers know about, but somehow skip over... Selling a note accelerates deferred installment gain into the current tax year.

It's important to know about, and to talk with your CPA about before selling. Sell in December vs January? Would a partial sale reduce the hit?

Here's a breakdown:

Understand the tax side of selling a mortgage note – installment sale rules, capital gains vs. ordinary income, and what to ask your CPA before you sell.

14/05/2026

After almost a decade in business, we’ve never signed with a note seller in person. Until today. In a hotel lobby. Next to a casino in Charlestown, WV. Whatever it takes 🎰💰

14/05/2026

Something from our personal lives. The recent rent negotiation for our personal residence opened a Business Insider piece on the national rental market.

The full article is behind a paywall, but here's the excerpt:

"A sharp eye and a handful of texts had saved the couple $275 a month. 'We like the relationship, but the market's the market,' Bario tells me. 'Why not ask?'"

I wrote a longer take on what this means for landlords and note holders:

Rents have fallen 30 months in a row nationwide. Here's what seller financing for landlords means as a practical exit strategy in today's softening rental market.

13/05/2026

If you're thinking about selling your mortgage note, you'll need a short stack of documents – and most people already have them.

The tricky part is knowing exactly which ones, where to find them, and what we do with each one once you send it over.

We put together a straightforward checklist with everything we typically need.

Read it here:

Learn the documents needed to sell a mortgage note – from quote to closing. Covers each document, why buyers need it, and what to do if one is missing.

30/04/2026

Most people holding a seller-financed note think there is only one way to sell: hand it over, get a check, done.

There is a second option called a partial sale – where you sell a set number of future payments instead of the whole note. You get cash now, and once those payments are collected, the income comes back to you.

Whether a full sale or a partial makes more sense depends on what you actually need. New post walks through both, including a decision checklist and four real-world scenarios.

Read it here: https://porchswingfunding.com/full-vs-partial-mortgage-note-sale/

30/04/2026

If you're collecting monthly payments from someone who bought property through seller financing, you may be able to sell that note for a lump sum of cash today.

That's what we do at Porch Swing Funding. We buy seller-financed mortgage notes, land contracts, and contracts for deed nationwide – working one-on-one with the note holder from start to finish.

No pressure. No confusing paperwork. Just a straightforward conversation about your note and your options.

If you're curious what your note might be worth, start here: https://porchswingfunding.com/quote-request/

24/04/2026

Very little changes for a borrower when you sell your note.

Their interest rate stays the same. Their payment amount stays the same. Their loan terms stay exactly as they were written. The only thing that changes is where they send their monthly check. They get a letter in the mail walking them through that.

We wrote an article on exactly how this works — what federal law says, what the borrower will receive, and what they'll never have to worry about.

It's worth a read if you've ever been curious about what will happen.

Selling your note doesn't change your borrower's loan terms. Learn what really happens and what your borrower can expect during the transition.

21/04/2026

We received this card from one of our investors today. It hits the mark on several of our core values:

1. Integrity First
2. Respect & Care About Others
3. Safeguard Resources & Invest With Discipline
4. Win As a Team
5. Strive To Be Better Every Day
6. Have Fun. Enjoy The Work. Set The Tone.

17/04/2026

If your paperwork says "land contract" or "contract for deed" instead of "mortgage note," you might be wondering if that changes your options.

It doesn't.

Whether you're holding a land contract, a contract for deed, a deed of trust, or a traditional mortgage note — they all describe the same basic arrangement: a buyer making payments to you, secured by real property. And all of them can be sold to a note buyer for a lump sum of cash.

We get this question a lot, especially from folks in the Midwest where land contracts are more common. The document name can feel confusing, but what really matters is simple: are monthly payments coming to you from a buyer who purchased real estate through seller financing? That's the asset.

If the answer is yes, you likely have something worth a conversation.

Our newest article walks through what each document type means, how they compare, and what to expect if you decide to sell — whatever your paperwork is called.

https://porchswingfunding.com/land-contract-vs-mortgage-note/

09/02/2022

Trust is earned through actions. We see each new deal as an opportunity to make ourselves better by earning another client's trust. Thank you to James and his siblings for giving us that opportunity.

02/02/2022

Sometimes our note sellers feel more like friends than customers. This was one of those times. 😊