Cryptocurrencies — digital or virtual “monies” — are being hawked as the “latest, greatest” investment.  Cryptocurrencies operate through the use of connected computers — “peers” — in which every peer has a complete record of all transactions relating to a particular cryptocurrency.  This multiplicity of computer records is relied upon to verify account balances and prevent fraud.

The supply of a cryptocurrency is determined, and controlled, by a schedule that was written into the computer code which created the particular crypto-currency.

The primary methods of acquiring a cryptocurrency are: mining and purchasing (either for use as a currency or for investment).

In a (very small) nutshell, “mining” a cryptocurrency involves using powerful (e.g., expensive) computer hardware and software to find, “assemble,” and attach “blocks” to the “blockchain” which constitutes a particular cryptocurrency.  Attaching a newly-assembled (“mined”) “block” to the blockchain results in the creation of a new amount of the cryptocurrency.  The person who “mined” the newly-created amount of cryptocurrency can then spend or sell the amount that has been mined.

Mining a cryptocurrency is a time-intensive endeavor, at least for persons other than those who wrote the computer code for the cryptocurrency that is being mined.

Cryptocurrencies can also be purchased, either for use as a currency or as an investment.  Purveyors of cryptocurrencies seem more than willing to extol what they claim to be the almost unlimited profit-potential associated with their cryptocurrency.

It’s easy to understand why people like to create their own cryptocurrencies: they understand — as do the various governments of the world — just how wonderful it is (at least for them) to be able to create “money” out of thin air.

Just like the United States dollar, and other government-issued currencies, there is absolutely nothing of intrinsic value — notwithstanding the misleading term “mining” that is used to describe the method of creating virtual monies — that backs any cryptocurrency.  Just as one cannot compel the United States government to exchange gold or silver (or anything else of intrinsic value) for U.S. dollars, so too, one cannot compel the creator of a cryptocurrency to exchange the cryptocurrency for anything of real value.

Private Real Estate Lending, on the other hand, is an asset-backed method of investing that investors can use as an alternative, not only to cryptocurrencies, but also to traditional investments such as stocks, bonds, and other non-asset-backed investments.

Private Real Estate Lending, as that term is used here, refers to an investor who loans investment capital for use in one or more real estate transactions.

The way it works is simple: “Real estate deals” are a real estate investor’s “Inventory.”  A Private Real Estate Lender loans the Investor money to purchase Inventory; the Investor gives the Private Real Estate Lender a fully-collateralized, first position lien against that Inventory, as security for repayment (as compared to the fully unsecured investments in cryptocurrencies or the stock market); the Investor sells the Inventory for more than the purchase price; and the Private Real Estate Lender gets repaid.

Both the Private Real Estate Lender and the Investor make money: the Private Real Estate Lender earns interest on the amount loaned and receives a return of the invested capital; the investor earns a profit on the sale of the inventory.

If you would like more information on becoming a Private Real Estate Lender, including how you can use your Individual Retirement Account (IRA) or similar source of funds, please click the link below to contact us. 

Be sure to check the “Private Lender” box to let us know that you are interested in becoming a Private Real Estate Lender:  CLICK HERE TO CONTACT US

The material contained in this communication is for educational purposes only; it is not, and shall not constitute investment advice; and is not a representation, guarantee, or promise of the results you may experience. Please consult with the independent professionals of your choice, should you need or desire legal, tax, investment, or other professional advice.

The material contained in this communication is not, and shall not under any circumstance or for any purpose, be considered as a solicitation or offer to buy or sell any security or security-related product, instrument, service or investment, and is not intended for distribution or use in any jurisdiction where such distribution or use would be contrary to, or in violation of, the law of said jurisdiction, or where such distribution or use would subject The Note Company or any related entity or person to any registration requirement of, or personal jurisdiction in, said jurisdiction.

Important Notice

The material contained in this communication is for educational purposes only; it is not, and shall not constitute investment advice; and is not a representation, guarantee, or promise of the results you may experience. Please consult with the independent professionals of your choice, should you need or desire legal, tax, investment, or other professional advice.

The material contained in this communication is not, and shall not under any circumstance or for any purpose, be considered as a solicitation or offer to buy or sell any security or security-related product, instrument, service or investment, and is not intended for distribution or use in any jurisdiction where such distribution or use would be contrary to, or in violation of, the law of said jurisdiction, or where such distribution or use would subject The Note Company or any related entity or person to any registration requirement of, or personal jurisdiction in, said jurisdiction.

Performing real estate notes or the stock market: Which investment offers lower risk? Which investment is likely to produce greater reward? We answer these questions — and more — right here, right now!

When it comes to investing, the first issue an investor should consider is risk.

Funds which are invested in stock and mutual funds are unsecured investments.  If, for example, a person were to buy stock in the ABC Widget Company, it is possible for that company to go bankrupt and for the value of that stock to go to zero.

Real estate notes, on the other hand, are — by definition — investments which are secured by real estate.  It is possible, of course, for a real estate note to go into default if the borrower stops paying.  When that happens, the remedy is foreclosure.

Because foreclosure can be expensive and time consuming, it is important for a real estate note investor to have plenty of what those in the note business call “protective equity.”

The term “protective equity” means the existence of “positive equity,” and is calculated as the difference between the current market value of the parcel of real property which acts as security for the defaulted note and the unpaid principal balance (UPB) then owing on the note (along with the balance of any senior loans, if the defaulted loan is not in first position).

The amount of protective equity should, at a minimum, be sufficient to pay all foreclosure and related costs, and thereafter allow the investor to recover the entire UPB on the defaulted note.

Thus, we see that in a “worst case” situation, it is possible for a stock market investor to lose the entire amount of an investment, while a real estate note investor should be able to at least recover the UPB on a defaulted note investment, after paying costs related to foreclosure.

After looking at risk, the next issue an investor is likely to address is return on investment (ROI).

Currently, it appears extremely difficult for investors to earn returns of five percent (5%) or more on stock market investments.

Although there can never be any guarantees when it comes to investing, a performing note that produces only a five percent (5%) ROI would, in the current market, probably not be viewed as one of the better note investments.

When deciding whether to purchase a performing real estate note for investment purposes, one should ask (and answer) the following questions:

To learn how you can add performing real estate notes to your investment portfolio, CLICK HERE

Important Notice

The material contained in this communication is for educational purposes only; it is not, and shall not constitute investment advice; and is not a representation, guarantee, or promise of the results you may experience. Please consult with the independent professionals of your choice, should you need or desire legal, tax, investment, or other professional advice.

The material contained in this communication is not, and shall not under any circumstance or for any purpose, be considered as a solicitation or offer to buy or sell any security or security-related product, instrument, service or investment, and is not intended for distribution or use in any jurisdiction where such distribution or use would be contrary to, or in violation of, the law of said jurisdiction, or where such distribution or use would subject The Note Company or any related entity or person to any registration requirement of, or personal jurisdiction in, said jurisdiction.

Millions of Americans have their IRA or other investment accounts invested in stocks, bonds and mutual funds.  Many investors would be surprised to learn that their investment funds are supporting political, social, or other interests that are at odds with the investor’s beliefs and world-view.

An inquiry directed to a fund manager or financial planner which seeks specific information concerning their investment holdings will often yield a vague response such as, “Our fund invests in a wide variety of [stocks, bonds, etc.], the exact identity of which may change on a daily or even hourly basis.  Therefore, it is extremely difficult for us to tell you precisely which [stocks, bonds, etc.] are held by the fund at any particular point in time.  In general, however, our fund invests in [a certain industry, type, or class of investments].”

Investors can, of course, request and receive a list of investments that are held by the fund at a particular point in time.  An investor who actually obtains and reads this list would likely find some surprises.

Investors who, on the other hand, use their IRA or other investment accounts to invest in performing real estate notes will know exactly what their investment dollars are supporting.  In the usual case, the investment will be in a home located in the United States.  The monthly payments the investor receives will typically be paid with money the homeowner earns working in a local community.  By financing a home that an owner will need to maintain and repair, and for which the owner will pay property taxes, the performing note investor is also supporting the local community in which the home is located.

In exchange for investing in American communities, performing note investors also enjoy the potential for return-on-investment (profit) which typically is much greater than what they have grown accustomed to earning with investments in stocks, bonds, or mutual funds.

CLICK HERE TO CONTACT US to learn how you can add Performing Real Estate Notes to your investment portfolio.

Learn how you can be a Private Real Estate Lender with Performing Real Estate Notes. Watch our popular video below.

Important Notice

The material contained in this communication is for educational purposes only; it is not, and shall not constitute investment advice; and is not a representation, guarantee, or promise of the results you may experience. Please consult with the independent professionals of your choice, should you need or desire legal, tax, investment, or other professional advice.

The material contained in this communication is not, and shall not under any circumstance or for any purpose, be considered as a solicitation or offer to buy or sell any security or security-related product, instrument, service or investment, and is not intended for distribution or use in any jurisdiction where such distribution or use would be contrary to, or in violation of, the law of said jurisdiction, or where such distribution or use would subject The Note Company or any related entity or person to any registration requirement of, or personal jurisdiction in, said jurisdiction.

In this short video, The Note Company, in cooperation with Alliance Capital Group, explains how you can learn to become a Private Real Estate Lender -- and BE THE BANK -- using your Individual Retirement Account (IRA), regular savings, or other cash assets.

CLICK HERE to JOIN OUR INVESTOR'S LIST

Important Notice

The material contained in this communication is for educational purposes only; it is not, and shall not constitute investment advice; and is not a representation, guarantee, or promise of the results you may experience. Please consult with the independent professionals of your choice, should you need or desire legal, tax, investment, or other professional advice.

The material contained in this communication is not, and shall not under any circumstance or for any purpose, be considered as a solicitation or offer to buy or sell any security or security-related product, instrument, service or investment, and is not intended for distribution or use in any jurisdiction where such distribution or use would be contrary to, or in violation of, the law of said jurisdiction, or where such distribution or use would subject The Note Company or any related entity or person to any registration requirement of, or personal jurisdiction in, said jurisdiction.

Often — very often — we are asked how much a performing seller-financed real estate note (loan) is discounted when the holder of the note (usually the homeowner or a “rehabber” who sold the property) wants to “cash out” by selling the note.  Although one might think the answer to this question should be fairly straight-forward, something like, “we subtract ‘x’ percent from the unpaid principal balance (UPB) which is owed on a note to arrive at a purchase price for the note,” the actual answer is a bit more involved.

When buying a seller-financed note, determining a “correct” purchase price, that is, determining the “correct” discount from UPB, is what we refer to as part science (e.g., mathematical calculation) and part art (applying judgment and discretion to a factual situation that cannot fully be analyzed through mathematical calculations alone).

The following are the top five reasons seller-financed real estate notes are bought and sold at a discount:

1.  The Time-Value of Money.  Before looking at the factors to be considered when determining the amount of discount for any particular note, let us first look at why there should even be a discount.  That is, let us explore why the sale price of a performing seller-financed real estate loan is not simply equal to the UPB, that is, the amount still owing on the note.

The present value of a note is usually not equal to the amount of the UPB simply because the debt which is represented by the note is not currently due; it is due over a period of time, typically payable in monthly installments for a number of years.  In other words, the value of an amount of money which is due at some future point in time (or which is payable in installments over a period of time) is, all other factors being equal, worth less than that same amount of money if that entire amount is due and payable today.  This concept is commonly referred to as the “time-value of money,” or simply “TVM.”

Not to complicate things too much, this is not to say, however, that the present value of a note is never worth an amount which is equal to the UPB.  The factors which, when taken together as a whole, will determine the amount of the discount — if any — include:

2.  Loan-to-value (LTV) of the Collateral Which Secures the Loan.  Perhaps the single most-important factor when valuing a note is the ratio represented by the UPB (and any senior encumbrances) to the value of the collateral.  Note investors want to minimize risk.  The best way to minimize risk, arguably, is to have ample equity to protect a note investment, should the note go into default status.

3.  Creditworthiness of the Borrower.  The next most important factor is probably the Borrower’s ability to repay the loan and the Borrower’s past record of repaying debts.  Some note investors, particularly those who invest in “seconds” or other junior liens, might even opine that a Borrower’s creditworthiness is more important than LTV.  Certainly, all note investors would likely agree that a Borrower’s creditworthiness becomes paramount if there is little or no protective equity securing a particular note.

4.  The Number of Remaining Payments.  When talking about maximizing the value of a note, the ideal number of remaining payments will vary from investor-to-investor. Some investors will prefer a comparatively small number remaining payments, while others will prefer a comparatively larger number of remaining payments.  All note investors would probably agree that there should not be too few remaining payments and that there should not be too many remaining payments.  In today’s market, 10 years — 120 remaining payments — is usually regarded as desirable.

5.   Desired Yield (Return on Investment) .  The “yield” which is produced by a note investment is different than the interest rate stated in the promissory note, unless the note is purchased for an amount equal to the UPB.  Notes are often attractive investments precisely because they can generate annual percentage yields which are higher than the interest rate on the promissory notes which are purchased.  The greater the difference between the desired yield and note interest rate, the larger the discount.

Important Notice

The material contained in this communication is for educational purposes only; it is not, and shall not constitute investment advice; and is not a representation, guarantee, or promise of the results you may experience. Please consult with the independent professionals of your choice, should you need or desire legal, tax, investment, or other professional advice.

The material contained in this communication is not, and shall not under any circumstance or for any purpose, be considered as a solicitation or offer to buy or sell any security or security-related product, instrument, service or investment, and is not intended for distribution or use in any jurisdiction where such distribution or use would be contrary to, or in violation of, the law of said jurisdiction, or where such distribution or use would subject The Note Company or any related entity or person to any registration requirement of, or personal jurisdiction in, said jurisdiction.

As everyone knows, the economy has its “ups” and “downs.”  Investors who watch the “Business Cycle” know that, regardless of where the economy is today, the next “boom” or “bust” is coming.  We can’t predict with any degree of certainty when, exactly, it will arrive.

What we do know, however, is that the single, primary cause of the Business Cycle is government manipulation of the monetary system.  Currently, and in recent history, the use of debt has been the favored method that governments have used to effect that manipulation.

The Bank for International Settlements “BIS” — known as “The Bank for Central Bankers” — said in its June 2018 report that:

▸    ballooning levels of debt are creating a “debt trap” that will be hard to escape;

▸    higher levels of debt can stimulate growth in the short-run, but only at the expense of deeper and longer recessions in the long-run.

The BIS also said that, even though the economy, as of June 2018, is generally still in an upswing, vulnerabilities in the economy do exist.

Prominent among the vulnerabilities mentioned by the BIS is nonfinancial corporate debt in the United States and the European Union.

According to the BIS, “[i]n the United States, in particular, corporate leverage today is at its highest level since the beginning of the millennium.”

Translation: a “correction” in the stock and bond markets is coming.

Investments in stocks and bonds are unsecured — the investor cannot foreclose on any asset if the company does not repay the investor — investments in both stocks and bonds are, as a practical matter, little more than loans to the company in which one is investing.  If the company does not return the investor’s capital (not to mention a profit), there is little, if anything, the investor can do to recover the invested funds.

Private Real Estate Lending, on the other hand, is an asset-backed method of investing that investors can use as an alternative “traditional” investments such as stocks, bonds, and other non-asset-backed investments.

Private Real Estate Lending, as that term is used here, refers to an investor who loans investment capital for use in one or more real estate transactions.

The way it works is simple: “Real estate deals” are a real estate investor’s “Inventory.”  A Private Real Estate Lender loans the Investor money to purchase Inventory; the Investor gives the Private Real Estate Lender a fully-collateralized, first position lien against that Inventory, as security for repayment (as compared to the fully unsecured investments in the stock and bond markets); the Investor sells the Inventory for more than the purchase price; and the Private Real Estate Lender gets repaid.

Both the Private Real Estate Lender and the Investor make money: the Private Real Estate Lender earns interest on the amount loaned and receives a return of the invested capital; the investor earns a profit on the sale of the inventory.

If you would like more information on becoming a Private Real Estate Lender, including how you can use your Individual Retirement Account (IRA) or similar source of funds, please click the link below to contact us. 

Be sure to check the “Private Lender” box to let us know that you are interested in becoming a Private Real Estate Lender:  CLICK HERE TO CONTACT US

Important Notice

The material contained in this communication is for educational purposes only; it is not, and shall not constitute investment advice; and is not a representation, guarantee, or promise of the results you may experience. Please consult with the independent professionals of your choice, should you need or desire legal, tax, investment, or other professional advice.

The material contained in this communication is not, and shall not under any circumstance or for any purpose, be considered as a solicitation or offer to buy or sell any security or security-related product, instrument, service or investment, and is not intended for distribution or use in any jurisdiction where such distribution or use would be contrary to, or in violation of, the law of said jurisdiction, or where such distribution or use would subject The Note Company or any related entity or person to any registration requirement of, or personal jurisdiction in, said jurisdiction.

The vast majority of American investors — especially Individual Retirement Account (IRA) investors — have a significant portion of their investment capital in the stock market, either through direct investment in the stock (or bonds) of one or more particular companies, or through investments in mutual funds.

Stock market investments can sometimes yield very respectable returns.  Other times the returns are less than impressive; it is even possible for a company’s stock to decline in value to the extent that it becomes essentially worthless.  Although some have devised elaborate methods which attempt to predict how a particular stock will perform, the hard truth is that no one can accurately and consistently predict how a stock or group of stocks will perform over the long-term.

Although investments in stocks are technically classified as “equity” ownership in a company, as opposed to “debt” that is owed by the company to the investor, as represented by bonds, the reality is that because investments in both stocks and bonds are unsecured — the investor cannot foreclose on any asset if the company does not repay the investor — investments in both stocks and bonds are, as a practical matter, little more than loans to the company in which one is investing.  If the company does not return the investor’s capital (not to mention a profit), there is little, if anything, the investor can do to recover the invested funds.

Many stock market investors recognize that real estate can be a safe — and more profitable — investment, as compared to the stock market.  But most of these investors, understandably, have absolutely no interest in being a landlord or in playing the lead role in their own, personal version of “Flip That House.”  They simply want secure, passive investments that will earn a good returns.

Private Real Estate Lending may be the answer for these investors.

Private Real Estate Lending, as that term is used here, refers to an investor who, instead of investing in the stock (or bond) market, loans investment capital for use in one or more real estate transactions.

The way it works is simple: “Real estate deals” are a real estate investor’s “Inventory.”  A Private Real Estate Lender loans the Investor money to purchase Inventory; the Investor gives the Private Real Estate Lender a fully-collateralized, first position lien against that Inventory, as security for repayment (as compared to the fully unsecured investments in the stock or bond market); the Investor sells the Inventory for more than the purchase price; and the Private Real Estate Lender gets repaid.

Both the Private Real Estate Lender and the Investor make money: the Private Real Estate Lender earns interest on the amount loaned and receives a return of the invested capital; the investor earns a profit on the sale of the inventory.

If you would like more information on becoming a Private Real Estate Lender, please click the link below to contact us. 

Be sure to check the “Private Lender” box to let us know that you are interested in becoming a Private Real Estate Lender:  CLICK TO CONTACT US

Learn more about Private Real Estate Lending by watching our popular video below.

Important Notice

The material contained in this communication is for educational purposes only; it is not, and shall not constitute investment advice; and is not a representation, guarantee, or promise of the results you may experience. Please consult with the independent professionals of your choice, should you need or desire legal, tax, investment, or other professional advice.

The material contained in this communication is not, and shall not under any circumstance or for any purpose, be considered as a solicitation or offer to buy or sell any security or security-related product, instrument, service or investment, and is not intended for distribution or use in any jurisdiction where such distribution or use would be contrary to, or in violation of, the law of said jurisdiction, or where such distribution or use would subject The Note Company or any related entity or person to any registration requirement of, or personal jurisdiction in, said jurisdiction.

As professional Note Investors, we routinely meet the acquaintance of real estate investors, those who would like to become real estate investors, Realtors, and other real estate professionals.  Often, when we introduce ourselves to a new acquaintance as Note Investors, we get a blank stare.  The unspoken response is: What, exactly, is a Note Investor?

Unlike traditional real estate investors who buy properties — single family homes, duplexes, other multi-family properties, and commercial properties — Note Investors buy the financing; we buy the “paper.”  We become “The Bank.”

A favorite slogan of Note Investors, one which admittedly is intended as a good-natured poke at traditional real estate investors, is that Note Investors don’t have to deal with “tenants, toilets, and termites.”  The slogan is true in most cases.  If you’re a traditional real estate investor, when was the last time something went wrong at one of your properties and your tenant called The Bank to whom you send the mortgage payment every month?  It doesn’t work that way, does it?  Of course not!  The tenant calls you (or your property manager).

Once our new acquaintance begins to understand what it is that we do as Note Investors, we move from the “blank stare” part of the conversation to the “oh, that sounds risky” part of the conversation.

The perception of “risk,” we explain, is more a result of a lack of knowledge and familiarity with note investing, rather than a reality.  We tell our new acquaintance that although there is risk in every investment, we believe that a Note Investor is in a much more secure position — that is, a less risky position — as compared to the traditional real estate investor.

“Wait!” our new acquaintance will protest.  “Did I understand correctly?  Note investing is less risky than traditional real estate investing!!!???”

Yes.  That is exactly correct, is our response.

When things go wrong in the real estate market in general, or when things go wrong in a particular deal, who typically “takes the hit” and who typically comes out okay?  In our experience, the individual, traditional “brick-and-mortar” real estate investor is more likely than The Bank (that is, the Note Investor) to take the “hit.”

If we think about it, this makes sense.  In any deal, the traditional real estate investor “owns” the equity in an investment property.  The equity, of course, is the most vulnerable “piece of the pie.”

If, for example, the market value of an investment property is $100,000 and the loan against the property is $70,000, who takes “the hit” if the value of the property declines by, say, $30,000?  Here’s a clue: it’s not the Note Investor.

It gets even better.  Note Investors buy notes at a discount — that is, Note Investors buy notes for less (usually much less!) than the face value of the note.  So even if the value of the property in our example were to decline in value by more than $30,000, the Note Investor — who likely purchased the Note for considerably less than $70,000 — would probably still make money.

Note Investing is not a “get-rich-quick” scheme (although amazing profits are possible).  It is however, in our opinion, a very safe and secure alternative to traditional real estate investing.

After this explanation, our new acquaintance will often have that “Ah ha!” look, you know, that look which comes when someone sees something they had not seen before, even though that something had been hiding in plain sight the entire time.

If you’d like more information on Note Investing and learn from a few case studies — including information on how to invest in Notes using your IRA or other retirement plan — click the following link to sign up for our free, no obligation
Non-Performing Note Investment Program Webinar

Learn more about Note Investing by watching our popular videos below.

Important Notice

The material contained in this communication is for educational purposes only; it is not, and shall not constitute investment advice; and is not a representation, guarantee, or promise of the results you may experience. Please consult with the independent professionals of your choice, should you need or desire legal, tax, investment, or other professional advice.

The material contained in this communication is not, and shall not under any circumstance or for any purpose, be considered as a solicitation or offer to buy or sell any security or security-related product, instrument, service or investment, and is not intended for distribution or use in any jurisdiction where such distribution or use would be contrary to, or in violation of, the law of said jurisdiction, or where such distribution or use would subject The Note Company or any related entity or person to any registration requirement of, or personal jurisdiction in, said jurisdiction.

There is an old saying that goes something like: “If one continues doing what one has always done, one should expect to continue getting what one has always gotten.”  The passive investor’s corollary to this saying would go something like: “If one does what the majority of investors are doing, one should expect to get the results that the majority are getting.”

Although these may not be the most eloquent of sayings, I trust you get the point.

The majority of passive investors are invested in stocks, bonds, and mutual funds.  A sizable percentage of these investments, although certainly not all, represent investments made with retirement account funds.

It’s a fact of life that only a small percentage of investors will enjoy the best returns.  The vast majority of investors will earn only modest returns on their investments, while some segment will experience net losses.  If this concept were to be demonstrated graphically, on a Bell Curve, the vast majority of investors — those who will earn only modest returns — would be in the center, at the top of the curve.  The investors who earn the best returns would be on the“right tail” of the curve, while those who experience net losses would be on the “left tail” of the curve.

However, unlike with traditional Bell Curve analysis, the Investment Bell Curve will seldom be symmetrical.  The left tail of the Investment Bell Curve — representing net losses — may exhibit what is known as a “fat tail,” while the right tail — representing the best returns — will be fairly “skinny.”

What does all this mean?  Quite simply, it means that only a small percentage of investors will experience the best returns.  The vast majority of investors will, over time, experience only modest returns, while a significant number of investors will experience net losses.

To put a slightly finer point on this idea, it means that the vast majority of investors will not experience the best returns.  Or, as we said earlier, “If one does what the majority of investors are doing, one should expect to get the results that the majority are getting.”

Now that we have identified the problem, what should we do about it?  The answer, we submit, is to look for investment strategies that are both theoretically sound, have a track record of success, and which are not being pursued by the majority of investors.

The typical investor may not, at least initially, be comfortable with such investments.  The “secret” for the investor who wants to be more successful than the majority is for the investor to leave the investor’s “comfort zone” by being open to critically analyzing investment ideas and strategies that may be new or unfamiliar to the investor.  As the saying goes, “in order to grow, one must step outside of one’s comfort zone.”

One investment strategy that we believe can position an investor in the sought-after right tail of the Investment Bell Curve, rather than in the top or left tail — where most investors reside — is to invest in non-performing notes which are secured by real estate (NPNs).

Moving oneself to the prosperous and profitable right tail of the investment Bell Curve is not easy.  It takes a willingness to think independently and do what others are unwilling or unable to do.  To be successful, you must take the initiative; no one will drag you to financial independence against your will.

We have additional learning resources of which you can take advantage.

To learn more about NPN investing and see a few case studies — including how to invest using your IRA or other retirement plan — click the link for information on our Non-Performing Note Investment Program

If you are unfamiliar with NPN Investing, we challenge you to take a small step out of your investing comfort zone and watch some of our popular short videos below.

Important Notice

The material contained in this communication is for educational purposes only; it is not, and shall not constitute investment advice; and is not a representation, guarantee, or promise of the results you may experience. Please consult with the independent professionals of your choice, should you need or desire legal, tax, investment, or other professional advice.

The material contained in this communication is not, and shall not under any circumstance or for any purpose, be considered as a solicitation or offer to buy or sell any security or security-related product, instrument, service or investment, and is not intended for distribution or use in any jurisdiction where such distribution or use would be contrary to, or in violation of, the law of said jurisdiction, or where such distribution or use would subject The Note Company or any related entity or person to any registration requirement of, or personal jurisdiction in, said jurisdiction.