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Updated 17 days ago on . Most recent reply

Turning Paper into Profit: Why More Investors Are Buying Mortgage Notes
I’ve been spending a lot of time studying mortgage notes lately, and I’m starting to realize how powerful they are for building long-term cash flow. Unlike traditional real estate, buying notes lets you be the bank — and you can often pick them up at a discount.
One thing I’ve noticed: a lot of note holders don’t even realize they can sell their notes before maturity, which opens up opportunities for both sides of the table.
Curious to hear from this community:
➡️ Are you currently investing in notes or sticking with physical properties?
➡️ What’s been your experience with notes, if any?
Let’s discuss. I’m here to learn from everyone’s insights.
Most Popular Reply

Jay Hinrichs
#1 All Forums Contributor
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- Lake Oswego OR Summerlin, NV
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just think of yourself as a bank.. what risks do banks take ????? same goes with any investor buying notes Making new loans etc etc.. you do have license rules.. owner occ loans you basically cant make new loans without proper license .. you can buy owner occ loans but you have to have a 3rd party service them i believe. IN all but 12 to 14 states you can make non owner occ loans without a license.
Risks are property is not worth what you think it is.
Borrower is no good and defaults.
Then you have states that are harder to foreclosue in than others.. and for those reasons many wont work in those states Like NY NJ PA states with long drawn out and expensive foreclsoure laws.
thats a few.
- Jay Hinrichs
- Podcast Guest on Show #222

JLH Capital Partners