I Buy Notes Now

I Buy Notes Now I buy seller-financed mortgage notes. Message me, I'll walk you through the process.

If you sold a property and still collect the payments, you can sell the whole note, sell just part of it, or borrow against it without selling. Welcome to I Buy Notes Now, where we specialize in the direct buying of performing and non-performing loans. Our company has the unique capabilities to purchase a range of note sizes, from single notes to large pools, in both the commercial and residential

sectors. With each deal underwritten on its own merits, our purchasing power ranges from $20,000 to $250,000,000 or more.

08/31/2026

old a property and still collecting the payments on it? Read this one.

Somebody asked me last week what actually makes a note worth more.

Fair question, and the answer is more specific than people expect.

Payment history. A note with 36 months of on-time payments prices better than the same note with 6 months, because the payer has proven something.

The rate. A note written at 9% is worth more than the same note at 5%, because the buyer's return is closer to what they need before any discount.

Equity. How much the payer has in the deal, which is what keeps them paying when things get hard.

Clean documents. A recorded mortgage, a properly endorsed note, a legal description that matches, and a title policy. Diligence problems cost more than any other single factor.

Those four move the number more than anything else. Not the balance, and not how much you think the house is worth.

Comment "send it" and I'll send you the one-pager.

08/26/2026

Divorce is the reason a lot of notes get sold, and it's the one nobody plans for.

Two people sold a property together, carried the financing together, and now they're splitting up. The note has 11 years left on it. Which means without doing something about it, they're financially tied to each other, and to the same borrower, until 2037.

Every month. A payment that has to be split, tracked, and reported by two people who are trying to stop dealing with each other.

Selling the note ends it. One transaction, the proceeds get divided in the settlement, and neither of them has to call the other about a late payment in 2031.

A partial can work too, if one of them wants cash and the other wants to keep income.

If you're an attorney with a file like this open, or you're living it, comment "send it" and I'll send you the one-pager on how the exits work.

08/23/2026

"If you inherited a mortgage note, here's what usually happens next.

Nothing. For years.

The payments keep landing in an account. Nobody wants to deal with the paperwork, nobody is quite sure who is responsible for the tax reporting, and everybody assumes somebody else is watching the insurance and the taxes on the property.

Then the borrower stops paying, or wants to pay it off early, or sells the house, and suddenly the family needs to find the original note, the recorded mortgage, the assignment, and a payment history nobody kept.

If you're holding inherited paper, the useful moves are simple. Find the original documents. Confirm the lien is recorded and in your name. Check that property taxes and insurance are current.

Then decide whether you actually want to be in this for another decade, because you can sell it, sell part of it, or borrow against it.

Comment "send it" and I'll send the one-pager.

"

08/22/2026

"Something worth checking today if you hold a note.

Is your borrower's insurance still in force, and are you still named as loss payee?

This is the failure that wipes people out. The house burns, or the hurricane takes the roof, and the policy lapsed 8 months ago because nobody was watching. Your collateral is gone and your borrower has no reason to keep paying on a slab.

It takes one phone call to the insurance carrier to confirm. Do it once a year, every year.

Same for property taxes. A tax lien jumps ahead of your mortgage in most states. If your borrower stopped paying taxes, you can be in first position on paper and still be behind the county.

Most holders never check either one. Those are two of the 12 things I put in a one-page guide. Comment "send it" and I'll send it.

"

08/17/2026

Quick one for anyone who carried the financing when they sold a place.

The clearest thing I can tell you about what your note is worth.

Two notes I bought. Same year.

One had $445,000 owed on it. The payer had stopped paying. The real estate behind it was worth around $540,000. I paid $209,000, which is about 47 cents on the balance and about 39 cents on what the property was worth.

One had $30,000 owed on it at 10%, in Palestine, Texas, and the payer had never missed. I paid $22,000, about 73 cents on the dollar.

The small performing note priced 26 points better than the one fifteen times its size.

Here's the part that matters to you. A note nobody is paying gets priced off the real estate, because the payment stream is a question mark and I'm underwriting a foreclosure I hope I never run. A note somebody is paying gets priced off the payments, and the discount shrinks fast.

So if you've been assuming your note is worth close to the balance, or assuming it's worth almost nothing, both guesses are usually wrong. A current payer puts you much closer to the top of that range.

Comment "send it" and I'll send you the one-pager.

08/12/2026

Your borrower stopped answering the phone in March.

No payment in April. No payment in May. You mailed a letter, and nothing came back. You're not sure if he still lives there, if the insurance is still in force, or if the property taxes got paid.

This is the moment most note holders find out what they actually own. Not a payment stream. A legal position that only means something if the documents are right and your lien is clean.

Two things worth doing today, before anything else. Pull the tax record on the property and see if taxes are current. Then check whether the insurance policy still names you as loss payee.

Those two facts change what your note is worth more than almost anything else.

If you want the rest of what I'd check, comment "send it" and I'll send you my one-pager.

08/10/2026

Monday thought for anyone who sold a property and took payments instead of cash.

You made a decision years ago that still pays you every month. Good decision. It also locked up capital you can't touch, in one borrower, on one property, in one market.

Nothing wrong with that if it's what you want. Plenty of people are happy collecting.

If you've been turning it over though, you have three moves. Sell it. Sell part of it. Or borrow against it and keep collecting.

Comment "send it" and I'll send you the one-page guide on what most holders get wrong.

08/05/2026

The borrower is 40 days late again.

You call. He apologizes, says the truck needed work, promises to catch up next month. He might. He did last time.

This is the part of seller financing nobody mentions when they call it passive income. You're the bank now, which means you're also collections, insurance monitoring, tax tracking, and the person who has to decide whether to start a foreclosure on the guy you sold your house to.

Some people are fine with that. Some are done with it.

If you're done with it, you have options that don't require being a lender for another 12 years. Comment "send it" and I'll send you the one-pager on all three.

-financing

07/31/2026

If you sold a property and took payments instead of all cash, you own a mortgage note. Most people holding one think they have a single decision: keep collecting, or sell.

There are three.

Sell the whole note for a lump sum.

Sell part of it, say 1-3 years of payments, and keep the back end. Once the buyer collects what they bought, the whole note comes back to you.

Or borrow against it and never sell at all. You keep ownership, you keep collecting, and the note is the only collateral. No personal guarantee.

Which one fits depends on your rate, your balance, your payment history, and the property. Your numbers, not mine. I'll show you the math before you decide anything.

I wrote a one-page guide on the 12 things most note holders get wrong. Comment "send it" and I'll get it to you.

Amazing time with clients. Cabo Verde was a formidable opponent but Messi…..
07/04/2026

Amazing time with clients. Cabo Verde was a formidable opponent but Messi…..

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