You don’t need a huge amount of money to get started. Some people begin with around $5,000 to $10,000 by buying part of a note or joining a note fund. Buying a full note might take $25,000 to $50,000 or more, but there are many ways to start smaller.

At NoteSchool, we teach smart strategies like using your retirement account, working with partners, or using other people’s money. It’s not just about how much you have, it’s about how you use it.

Every investment has some risk, but note investing can actually be safer in many ways. You’re not fixing broken toilets, dealing with tenants, or paying for surprise repairs you would have to deal with if you became a landlord like many others do.

The loan is backed by the property, so if the borrower stops paying, you still have options like working out a new plan or taking over the property. Plus, many notes are bought at a discount, which gives you a safety cushion.

At NoteSchool, we teach you how to look at deals the right way and avoid common mistakes, so you can invest with more confidence.

Yes, you can. With a self-directed IRA or 401(k), you can invest in notes and grow your retirement savings without paying taxes right away. If you use a Roth IRA, your gains can even be tax-free.

This is a great way to move beyond just stocks and bonds and add something new to your retirement plan. At NoteSchool, we show you exactly how to set it up, follow the rules, and use smart strategies to get the most out of your account.

Many of our members have used note investing to grow real wealth inside their retirement accounts.

A performing note means the borrower is paying on time each month. These are great if you want steady income and less risk.

A non-performing note means the borrower has stopped making payments. These are riskier, but you can often buy them for a big discount and work out a plan to turn things around or even get the property.

At NoteSchool, we teach how to invest in both. Performing notes are perfect if you want passive income. Non-performing notes can be a good fit if you’re more hands-on and want bigger upside.

It depends on the type of note and your plan. With performing notes, you can start getting monthly payments right after you buy.

Non-performing notes take a little longer, usually 3 to 6 months, while you work things out with the borrower.

Some people see strong returns in their first year, and others focus on growing steady wealth over time. At NoteSchool, we can show you how to start making money in as little as 90 days with the right strategy.

Yes, you can. People from outside the US can invest in notes here.

There are a few extra steps, like setting up the right accounts and understanding US tax rules, but it’s definitely possible. We’ve helped many international NoteSchool members do it.

At NoteSchool, we guide you through the process and make it easy to learn from anywhere. You can join our trainings online, no matter where you live.

Returns can vary based on the deal, but many note investors earn around 8 to 12 percent a year with performing notes.

Some deals may earn more, especially if you buy at a discount or work with non-performing notes. At NoteSchool, we show you how to find the right deals and build a smart plan that fits your goals.