Note investing involves purchasing existing mortgage notes, often at a discount, and becoming the lender. Instead of owning physical real estate, you own the debt secured by the property. As the note holder, you receive monthly payments from the borrower, which include principal and interest. This strategy allows you to benefit from real estate without the hassles of property management. It’s a way to generate passive income, diversify your investment portfolio, and potentially earn higher returns than traditional real estate investments. Note investing can be done with both performing notes (where borrowers are making regular payments) and non-performing notes (where borrowers have fallen behind on payments).

The amount of capital needed to start investing in notes can vary widely depending on the strategy you choose. Some investors begin with as little as $5,000-$10,000 by purchasing partial notes or investing in note funds. For whole notes, you might need $25,000-$50,000 or more. However, one of the beauties of note investing is the ability to scale gradually. At NoteSchool, we teach strategies like using self-directed IRAs, leveraging other people’s money, and partnering on deals to help you get started with less capital. Remember, it’s not just about how much money you have, but how smartly you invest it.

While all investments carry some level of risk, note investing can actually be less risky than traditional real estate in many ways. When you invest in notes, you’re not responsible for property maintenance, tenant management, or unexpected repairs. The note is secured by the property, providing collateral. If the borrower defaults, you have options like loan modification or foreclosure to recover your investment. Additionally, by purchasing notes at a discount, you create a built-in equity cushion. At NoteSchool, we teach thorough due diligence processes and risk mitigation strategies to help ensure safer, more profitable investments.

NoteSchool’s Rich Rewards in Notes Bootcamp stands out for several reasons:

1) It’s led by Eddie Speed, a 40+ year veteran of the note industry with over 50,000 deals under his belt.

2) We focus on practical, actionable strategies you can implement immediately.

3) Our bootcamp includes hands-on deal analysis using real-world case studies.

4) We provide access to our proprietary deal flow pipeline.

5) Our 10x guarantee ensures you get massive value.

6) We offer ongoing support and resources after the bootcamp.

7) We teach both active and passive note investing strategies to suit different investor goals.

Absolutely! Investing in notes using a self-directed IRA or 401(k) is an excellent way to grow your retirement savings tax-deferred or even tax-free (in the case of a Roth IRA). This strategy allows you to diversify your retirement portfolio beyond traditional stocks and bonds. At NoteSchool, we provide comprehensive training on how to set up and use self-directed accounts for note investing, including strategies to maximize returns and navigate IRS regulations. Many of our students have successfully built significant wealth in their retirement accounts using our note investing strategies.

Performing notes are loans where the borrower is making regular, on-time payments. These provide steady, predictable cash flow and are generally considered lower risk. Non-performing notes are loans where the borrower has fallen behind on payments. While riskier, these can be purchased at steep discounts and offer potential for higher returns through various workout strategies. At NoteSchool, we teach strategies for both types of notes. Performing notes are great for passive income, while non-performing notes can be excellent for more active investors looking to solve problems and potentially acquire properties at a discount.

The timeline for returns in note investing can vary depending on your strategy. With performing notes, you can start receiving monthly cash flow immediately after purchasing the note. For non-performing notes, the timeline can be longer, typically 3-6 months, as you work through various resolution strategies. Some investors see significant returns within their first year, while others focus on building long-term wealth over 5-10 years. At NoteSchool, we teach strategies for both quick wins and long-term wealth building, helping you create a note investing plan that aligns with your financial goals and timeline.

NoteSchool’s support doesn’t end when the bootcamp does. We offer:

1) Access to our online resource library and deal analysis tools

2) Monthly live webinars covering advanced topics and market updates

3) A private community forum for networking and deal sharing

4) Ongoing deal flow opportunities through our network

5) Optional one-on-one coaching and mentoring programs

6) Discounted access to our annual NoteExpo event

7) Regular email updates with industry news and investment opportunities

Our goal is to provide continuous education and support to help you succeed in your note investing journey.

Our Elite Note Investor Mentoring Program is a 12-month intensive designed to accelerate your success in note investing. It includes:

1) Monthly one-on-one coaching calls with Eddie Speed or a senior mentor

2) Quarterly in-person intensive workshops

3) Priority access to our deal flow pipeline

4) Advanced training on complex note investing strategies

5) Personalized feedback on your deals and investment plans

6) Access to our network of industry professionals

7) Customized tools and resources for scaling your note business

This program is limited to ensure personalized attention and is best suited for serious investors committed to building a substantial note portfolio.

Yes, you can invest in US-based notes even if you’re not a US resident. However, there are some additional considerations and potential challenges, such as setting up appropriate business entities and navigating tax implications. At NoteSchool, we have experience working with international investors and can provide guidance on the best approaches. We recommend consulting with a US-based attorney and tax professional familiar with international real estate investments. Our bootcamp and mentoring programs can be attended virtually, making it accessible to investors worldwide.

NoteSchool provides comprehensive training on sourcing and analyzing note deals, including:

1) Strategies for finding off-market opportunities

2) Access to our proprietary deal flow pipeline

3) Training on using online note trading platforms

4) Due diligence checklists and best practices

5) Hands-on deal analysis workshops

6) Proprietary deal analysis software

7) Networking opportunities with note brokers and sellers

We teach you not just where to find deals, but how to evaluate them effectively to ensure you’re making smart, profitable investments. Our goal is to empower you to confidently source and analyze deals on your own, while also providing ongoing deal flow opportunities through our network.

The ROI for note investing can vary widely depending on the type of notes, purchase price, and investment strategy. Generally, investors aim for returns in the 8-12% range for performing notes.