3 Ways to Invest in Mortgage Notes (And why the smartest investors use all three)

Most people stick to one type of note. That’s a mistake.

Each note type has its own role in your portfolio:

• ✅ Performing Notes: Consistent paychecks, low risk
• ✅ Reperforming Notes: Higher returns, moderate risk
• ✅ Non-Performing Notes: Big discounts, big potential

The key? Build your own mix.

Want help putting it together?

Hit follow for more tips on cash flow, risk, and real returns.

⚠️ Disclaimer: I’m not a financial planner or CPA. This video is for education only. Please consult a qualified professional for advice.

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How to Analyze a Real Mortgage Note Deal (Step-by-Step Breakdown)

Ever wonder what goes into evaluating a real mortgage note deal?

In this video, I walk through a live example from a private lender. I break down the numbers, calculate yield, and decide whether to make an offer or pass.

📊 Here’s what you’ll learn:

• How to spot if a loan has been modified
• What “par” pricing means when buying notes
• How to calculate gross vs. net yield, including servicing fees
• What a good yield looks like, and when to walk away
• Why I prefer 1st position performing notes
• How I decide between full purchases or partials
• Real examples with calculators and comps
• How I help private lenders grow their portfolios
• When to use a self-directed IRA (SDIRA) to boost returns

I also talk about:

• Common red flags
• Why I no longer invest in rentals
• The power of stacking performing and non-performing notes

💬 Got a deal you want me to review?

📅 Schedule a free 30-minute call: https://talkwithlarryhoffman.com

📌 I go live every Friday at noon ET. Subscribe and turn on notifications so you don’t miss it.

⚠️ Disclaimer: I’m not a financial planner or CPA. This video is for education only. Please consult a qualified professional for advice.

Join me as I check out this real estate deal live! We'll walk through the property and see what happened. If you're interested in mortgage note deals, this video is for you!