Real Estate Note Investing

Episode 43: Structuring a Loan Modification

Most note investors know a loan modification is the goal — but knowing how to structure one that the borrower can actually stick to is what turns a non-performing loan into a reliable cash flowing asset. In this episode, we break down the modification structures available and how to choose the right one. 🔍 What you'll learn: ✅ When a fully amortized modification makes sense — and why thirty years is the reasonable cap on term ✅ How an interest-only modification keeps payments low enough for a struggling borrower to actually afford them ✅ Why a step rate structure aligns both sides toward the same goal — getting the loan paid off sooner ✅ The five things every modification agreement needs to include before it goes to the borrower for signature ✅ How showing a borrower the per diem rate builds good faith and gets documents signed faster This program is for informational purposes only and should be independently verified before taking action.

Episode 42: Resolution Strategies Overview

Most note investors know they need a resolution — but knowing which one fits the situation in front of you is what separates a smooth exit from a drawn-out loss. In this episode, we walk through every path available to resolve a non-performing loan and when to use each one. 🔍 What you'll learn: ✅ Why three questions — what happened, where are you now, and what do you want to do — anchor every resolution conversation ✅ How a loan modification turns a non-performing loan into a cash flowing asset both sides can live with ✅ When a discounted payoff or short sale gets you to the finish line faster than any other option ✅ What a deed in lieu of foreclosure is and why title review is essential before you accept one ✅ Why foreclosure is the last resort — and why having it ready often means you never have to use it This program is for informational purposes only and should be independently verified before taking action.

Episode 41: Researching Property Taxes

Most note investors check the mortgage but skip the one obligation that sits in front of every lien on the property. In this episode, we break down how to research property tax status before you close and why getting it wrong can cost you your secured position entirely. 🔍 What you'll learn: ✅ Why property taxes sit senior to every mortgage lien and what happens when they go unpaid long enough ✅ Why first lien investors must always check taxes — and when second lien investors need to pay closer attention than usual ✅ How to pull current tax status directly from the county website and why a dated screenshot belongs in every due diligence file ✅ The difference between tax lien states and tax deed states — and why the county process determines your timeline and your risk ✅ How delinquent taxes reduce your effective equity and why a discrepancy from what the seller represented should change your offer price This program is for informational purposes only and should be independently verified before taking action.

Episode 40: Determining Property Occupancy

Most note investors underwrite the numbers but skip the question that often matters most — is anyone actually living there? In this episode, we break down how to determine property occupancy before you close and why it changes everything about how a loan resolves. 🔍 What you'll learn: ✅ Why owner occupancy signals emotional equity — and how that motivation drives better resolution outcomes even when the numbers are tight ✅ The three occupancy categories every investor needs to understand and how each one affects your strategy ✅ How to use county tax records, credit reports, and bankruptcy filings to build an occupancy picture from public data ✅ When a formal skip trace is worth ordering and what it surfaces that free sources cannot ✅ Why occupancy is a research process — and how triangulating multiple sources leads to better decisions than trusting any one of them This program is for informational purposes only and should be independently verified before taking action.

Episode 39: Estimating Property Value

Most note investors pull one value from Zillow and move on — but knowing how accurate you actually need to be, and when to spend more to find out, is what keeps your equity math from falling apart. In this episode, we break down the full spectrum of property valuation methods and how to match the right one to your deal. 🔍 What you'll learn: ✅ Why the equity position in a deal determines how much valuation accuracy you actually need ✅ How to use multiple free AVMs together to build a more reliable starting point than any single estimate ✅ Why a manual review of recently sold comparables is the best balance of cost, time, and accuracy for most investors ✅ How to use Google Street View as a quick condition check — and why the image capture date matters ✅ When a broker price opinion is worth the one hundred dollars and when it is not This program is for informational purposes only and should be independently verified before taking action.