
Who We Are
We help everyday people learn how to be the bank by investing in real estate notes. Our team has been doing this for decades, and we want to show you how it works. If you’re looking for a smarter way to make money and build a better future, you’re in the right place.

What We Do
We teach you how to invest in real estate, without owning any property. You’ll learn step-by-step how to avoid common mistakes and start earning like the bank. We’re here to guide you the whole way.

How We Do It
We bring you into a community of people just like you who are learning, growing, and making money with notes. You’ll get the tools, support, and help you need to start strong and keep going. You’re never doing this alone.

Unlock Passive Income:
Learn How to Be the Bank with Note Investing
Want passive income in 90 days? Start with one of our upcoming free training sessions – no experience needed.
Meet NoteSchool's Founder: Eddie Speed
Meet NoteSchool's Founder: Eddie Speed
Eddie Speed, founder of NoteSchool, has been leading the way in note investing for over 40 years. He started with almost nothing – living in a mobile home – and has now closed over 50,000 note deals, including 6,000 in just the last few years. Eddie has helped thousands of everyday people learn how to be the bank and start making money with notes. His easy-to-follow strategies have changed how people build wealth without owning properties. Eddie is all about teaching in a real, honest way. That’s why NoteSchool is the place people go when they want to learn how to get started, grow faster, and avoid common mistakes. He’s helped regular folks across the country earn more, stress less, and finally feel in control of their future.


Eddie Speed, founder of NoteSchool, has been leading the way in note investing for over 40 years. He started with almost nothing – living in a mobile home – and has now closed over 50,000 note deals, including 6,000 in just the last few years. Eddie has helped thousands of everyday people learn how to be the bank and start making money with notes. His easy-to-follow strategies have changed how people build wealth without owning properties. Eddie is all about teaching in a real, honest way. That’s why NoteSchool is the place people go when they want to learn how to get started, grow faster, and avoid common mistakes. He’s helped regular folks across the country earn more, stress less, and finally feel in control of their future.
Key Benefits of Note Investing

Steady Monthly Income
Make money each month without owning an expensive property. No repairs, no tenants, no landlord drama, just real passive income that shows up while you go about your day.

Lower Risk, Backed by Real Estate
Notes are backed by real property, which helps keep your money safer. And you don’t need a ton of cash to get started, just a smart plan and the right guidance.

More Flexibility
You can invest in notes from anywhere, even out of state. Pick deals that fit your goals and grow your income without being tied to one location.

More Free Time
As your notes pay you each month, you get more time and money for the things that matter, like your family, your friends, or that trip you’ve been putting off. All without the stress of traditional real estate.
What exactly is note investing?
Note investing means you buy someone’s mortgage loan and become the lender. Instead of owning the house, you own the loan. The person living in the home keeps paying their mortgage, but now those payments go to you.
You don’t have to deal with repairs, tenants, or managing a property. You just collect monthly payments that include principal and interest.
It’s a simple way to make passive income, grow your money, and get into real estate without buying a house. You can invest in notes where people are paying on time, or ones where they’ve fallen behind and you can help work it out.
How much money do I need to start investing in notes?
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.
Is note investing riskier than traditional real estate investing?
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.
Can I invest in notes using my retirement account?
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.
What's the difference between investing in performing and non-performing notes?
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.
How long does it typically take to see returns from note investing?
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.
Can I invest in notes if I don't live in the US?
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.
What's the potential return on investment (ROI) for note investing?
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.
Featured Testimonials
“Everything I’ve tried and everything that I’ve done, I’ve not seen the consistent returns that you do with notes.”
“The hassle factor is so much less I mean, once you sell a note, you’re not responsible for management, maintenance, taxes, insurance. You’re just getting a check every month and that’s it.”
“Notes are much more consistent income and cash flow and yield overall.”
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How to Invest in Mortgage Notes (Even If You’re Just Getting Started)
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