Porch Swing Funding

08/13/2026

Thinking about selling your seller-financed note?

Getting the most isn’t about a magic zero discount. It’s clean payment history, more than one quote, and a buyer who explains the number – with no fees taken out of your proceeds.

Plain-English guide:

Thinking about whether to sell my note? What moves price, how to compare quotes, and how to avoid fees out of your proceeds. Free quote, no obligation.

08/11/2026

Estate notes...

We hear from a lot of people holding inherited real estate notes.

The note keeps producing payments, but one person ends up managing it. Then the payments often get split between multiple heirs. It's not always an easy situation, and it's not uncommon that multiple heirs have different wishes.

Keep in mind that all or part of a note can be sold.

A partial sale can free up cash for estate costs without giving up every future payment. Or a full sale can put a painful chapter behind everyone involved and let you close the estate.

Message us if this is your situation. Happy to walk through what you have.

07/15/2026

Do this now. It just takes three minutes...

Right now, federal law limits you to just three seller-financed deals per year before you're required to get a mortgage originator's license. H.R. 6511 would raise that limit to twenty-four per year.

The bill was introduced by Rep. Andy Barr of Kentucky and co-sponsored by Rep. Vicente Gonzalez of Texas — a bipartisan team with real momentum. But it needs more co-sponsors to move out of committee and onto the floor.

You can send a message directly to YOUR member of Congress based on your ZIP code. Ask them today to join H.R. 6511 as a co-sponsor to the bill can advance to the House floor.

07/15/2026

Balloon payments...

Last night at our local Mid-Maryland Real Estate Investors meeting, I had two conversations with investors about balloon payments.

As someone who evaluates a lot of seller financed real estate notes, believe me when I tell you that balloon payments tend to come due at the worst possible time. Either the property isn't performing, rates are high, lenders aren't lending, the borrower's credit profile isn't good, or some other reason.

The logic applies from the note holder as well as the note maker's side.

If your seller financed buyer can't get a loan from a professional lender today, chances are they won't be able to in three years.

Also the two-year balloon you agreed to in order to get seller financing from a property seller will come due when the property is vacant and the market is flat or dropping.

Buying with seller financing? Push for no balloon, a balloon that's 10+ years out, or a pre-determinted extension option.

Selling to a buyer who gives you a balloon? Prepare yourself for the possibility that you may need to carry the note beyond the balloon period.

(And don't be that investor that sets the buyer up to fail thinking you can just take the property back if they miss the balloon. It's no way to do business.)

06/29/2026

If you've been holding a seller-financed note and wondering whether now is a good time to sell, the short answer is yes – and the reasons are worth understanding.

We put together a breakdown of what's driving the current market for note holders.

Higher investor demand and a surge in new notes make 2026 a strong time for selling an owner-financed note. Here's what's driving the secondary market right now.

06/18/2026

Most note sellers have a general sense of what they'll do with the money. But once they have it, things end up different than expected.

The number one things we hear are pay off debt and sleep better. Not travel or a new investment. It's usually getting rid of the thing that's been grinding on them.

This new article covers what people actually do with note sale proceeds… including a few uses that don't come up in most places.

Most note sellers have a sense of what to do with money after selling a mortgage note – but the decision deserves a moment's thought. Here's what people actually do with their proceeds.

06/10/2026

Not everyone who says they buy notes is writing you a check.

Some companies use their own money. Some shop your note to other investors. Some use a hybrid model – and when they do it right, that can be a lot better for you.

New article breaks down the three types and what each one means for how the process goes:

Not all note buyers work the same way. This guide explains who buys promissory notes, how each type operates, and what to look for before you sign.

06/04/2026

If you're thinking about selling your mortgage note, the right questions can make the difference between a smooth process and a frustrating one.

Not every note buyer operates the same way. Some are slow to respond, vague on pricing, or hard to pin down on timeline.

We put together 7 questions worth asking before you commit to anyone – including us.

Not sure how to vet a mortgage note buyer before you sign? These 7 questions reveal what the best mortgage note buyers get right – and what to watch for.

06/01/2026

Last week we spoke with eight noteholders.

A few highlights:

A $300K note secured by a cold storage warehouse in Georgia. Looked good until an environmental report flagged a high probability of contamination.

A $210K note in Florida. Same issue – the property had previously been used by a dry cleaner.

A $195K single-family home in Michigan. Good note, good payor, strong collateral. We quoted aggressive pricing. Still in conversation.

This is what most weeks look like. Not every note qualifies. The reasons vary more than people expect.

If you're wondering whether yours does, the fastest way to find out is to call or fill out a form.

https://porchswingfunding.com

Call now to connect with business.

05/28/2026

If you sold property on a land contract or contract for deed, you can sell those monthly payments – even if you still hold the deed.

Holding the deed is just how contracts for deed work. It doesn't mean the income stream is stuck.

We put together a guide explaining how the process works, what affects your offer, and what closing looks like.

Read it:

Holding a contract for deed and want out? Find out how to sell land contract payments, what buyers look for, and how to get a fair cash offer.