All Forum Posts by: Richard Dickson

RJD Investments Inc. LLC is actively purchasing:

• 🏡 Performing residential notes

• 📈 1st position only

• ⏳ Seasoned (12+ months preferred)

We move quickly, keep things simple, and close with transparency. If you have notes available or know someone looking to sell, I’d love to connect.

📞 (205) 533-2692
📧 [email protected]

Hey all,

I’ve been focused on performing 1st position residential notes and noticing some shifts—more tech tools for due diligence, tighter compliance, and steady demand for performing paper.

Curious—are you seeing more performing or non-performing inventory right now? And how are you adjusting your pricing or underwriting with the current market?

Looking forward to hearing how others are approaching note buying in 2025.

RJD Investments is actively purchasing performing 1st position residential mortgage notes. If you’re a note holder looking to liquidate, we’d love to connect.

What we buy:

• Performing residential 1st position notes

• At least one year seasoned

• Nationwide opportunities

Why work with us:

• Quick evaluations

• Fair, competitive pricing

• Smooth, hassle-free closings

📩 Contact us directly:

• ✉️ Email: [email protected]

Hi everyone,

Curious how other investors are handling flips in today’s market. I’ve noticed that while material prices seem to have stabilized compared to the last couple of years, labor costs and holding times are still a big factor.

A couple of questions for the group:

• Are you building in bigger buffers for rehab timelines?

• How are you adjusting your ARV estimates given shifting buyer demand?

• Any tips for keeping renovation costs under control without cutting corners?

I’d love to hear how you’re approaching deals right now. Always good to learn how others are making house flipping work in this environment.

Hey BiggerPockets community,

I’ve been seeing a lot of different takes on rehabbing and flipping in the current market. Some investors are pulling back because of higher costs and tighter buyer demand, while others are finding creative ways to keep margins strong.

A few things I’ve noticed recently:

• Material & labor costs are still high, but stabilizing in some areas.

• Exit strategies are shifting—some investors are turning flips into short-term rentals or lease-to-own.

• Financing is critical—having reliable funding in place makes or breaks the deal.

At RJD Investments, we’re actively working with investors who are rehabbing and flipping, and we’ve seen success by staying flexible with timelines and making sure acquisition + rehab numbers leave room for profit.

Curious to hear from you all:

• How are you adjusting your flipping strategies in this market?

• Are you still going after heavy rehabs, or are you leaning toward lighter cosmetic flips?

• What trends are you noticing in your local markets?

Looking forward to learning from everyone’s experience and sharing ideas.

RJD Investments INC LLC is actively buying performing 1st position notes nationwide. If you’re a note holder looking to liquidate or diversify, we can provide a fast and fair offer.

✅ We purchase notes secured by residential and small commercial real estate
✅ Focus on performing 1st liens (single notes or portfolios)
✅ Quick due diligence and smooth closing process
✅ Flexible structures – partials or full payoffs considered

If you’re interested in selling your performing notes or exploring liquidity options, reach out today.

📩 Message me directly here on BiggerPockets or email [email protected]

RJD Investments Inc is actively acquiring seasoned, performing notes and wholesale properties.

✅ 1st Position Residential Notes (1–4 units, minimum 12 months seasoned)
✅ Wholesale Properties – value-add or distressed
✅ Fast, professional closings

If you’re looking to sell a note or wholesale a property, we’d love to connect. We focus on speed, transparency, and making transactions as smooth as possible.

📧 [email protected]
📞 (205) 533-2692

Hey BP community,

I’ve been diving deeper into both house flipping and note investing, and I keep seeing some overlap. For example, I’ve noticed that some flippers create short-term notes when selling a property, then sell that note to free up capital for their next deal.

It made me wonder — for those of you actively flipping:

• Have you ever sold a note as part of your exit strategy?

• Do you think it’s worthwhile for flippers to build relationships with note buyers for extra liquidity options?

• Or do most of you prefer the traditional cash resale route?

Curious to hear real-world experiences from other investors here.

Quote from @Bruce Lynn:

Buy a property for $20,000, sell it for $100,000 with $80,000 note.  Sell the note for $72,000.  I expect probably people do this every day.  If the note is a few months old, why are their no payments?  I would think on most notes you would have at least interest payments those first few months.  While I am sure there are exceptions I would also think most people want to see a couple of payments before they buy....that 60 day idea?

Good point — the lack of even a couple months’ worth of payment history does raise questions. I’ve heard the “60-day rule” mentioned too, where having at least a couple payments on record makes buyers more comfortable. Definitely something to keep in mind when looking at newly originated notes being sold so quickly.

Quote from @Alecia Bolton:

Yes, it's fairly common that freshly created loans are sold at a discount.  The risk is no pay history, so you're looking at how the originator underwrote the borrower and the asset.  

The reason they do this is because they typically are getting an origination fee, and they make their money on the churn, so they can afford to offer the discounts.  I speak of folks who do private lending as a business.  They are also usually selling non-owner occupied/flip notes.

If it's a one-off, and the originator is selling a seller financed note...then they may not care about the discount because their cost-basis is already low.  Or it could be that the underwriting is crap.  Those are the ones you look a little more closely into.

That makes a lot of sense — especially the part about originators profiting from fees and volume, which explains why they can afford the discount. I’ll definitely pay closer attention when it’s a one-off seller-financed note, since weak underwriting or low cost-basis could be driving the pricing. Appreciate the clarification!