Single Family Home Real Estate Notes
Our favorite type: a family home sold with owner financing, where the seller carried a promissory note and mortgage.
Real estate & business note buyers
Sell Your Real Estate or Business Note
You carried the financing. Now trade years of monthly payments for cash in hand. We are private investors who buy owner-financed real estate notes and the notes created when a business is sold.
- 14–21 daysto cash once you accept an offer
- 2–3 offersoften presented for one note
- Full or partialsell all of it, or just a portion
How it works
Three steps from note to cash
- 01
Tell us about your note
Share the basics in a note information worksheet: the original amount, interest rate, term and payment history. That gives us the full picture.
- 02
Review your offers
Every note is different. We review yours and often present two or three offers, so you can choose what works best for you.
- 03
Get paid
Once you accept an offer, you typically receive your cash in 14 to 21 days.
Notes we buy
What Type of Real Estate Notes Do You Buy?
We buy owner-financed real estate promissory notes, plus business notes. If your seller carried the financing, we want to hear about it.
Single or Double Wide Mobile Homes with Land
Good notes we will buy when the land is attached, so the home is classed as real estate.
Town homes or Condo Real Estate Promissory Notes
Also great notes we can purchase from sellers.
Duplexes, Triplexes or Fourplexes
Good candidates. Fewer investors buy non-owner-occupied notes, so a bigger discount often applies.
Commercial Property Promissory Notes
A smaller pool of buyers, but still a real market. Every deal is different, so call or reach out.
Raw Land Promissory Notes
Higher risk, but the right land in the right area always has buyers.
Boat Notes
Occasionally we even buy notes secured by boats and yachts.
Business Notes
When an owner sells a business and takes back a note for part of the price, we can buy that note. See the business notes we buy.
Why sell
Why Should I Sell My Real Estate Note?
Selling all or part of your note does more than put cash in your pocket.
Worry Less About Payments
No more watching whether the payor pays on time, or at all. No monthly servicing, and no chasing the right tax form for the income.
No Worry About Taxes
Stop checking whether the property taxes and insurance are current.
A big chunk of cash when you sell your note
One lump sum instead of small monthly payments. Pay off credit cards, medical bills or student loans, or fund that next real estate deal.
Cash for a vacation or a new car
Buy the car you have always wanted, or finally take the trip you keep promising yourself.
Be ready
What Documents Do I need to sell my note?
1
The Original Note Agreements
A copy of the original promissory note showing the original amount, interest rate, length of the note and any other terms agreed at the sale.
2
The Security Instrument on the Note
Usually a mortgage or deed of trust. It ties the note to its collateral, normally real estate.
3
Payment History on the Note
Detailed records of every payment you have received. Good records matter.
4
Title Insurance
Title insurance on the collateral. Without it, the value of the note drops dramatically.
5
Home Insurance
An insurance policy on the property that protects the note holder if the worst happens.
Selling notes FAQ
Should I Sell My Note | Frequently Asked Questions about Real Estate and Business Notes
How Do I find out how much my Note is worth?
The best way is to complete a note information worksheet. It gives us a complete picture of your note, so we can determine its true market value. Start with your note details.
How Quickly Can I Sell My Real Estate Note?
Once you accept a note purchase offer, you will typically get your cash in 14 to 21 days.
How Much Will You Pay Me For My Real Estate Promissory Note?
Each note is a little different. We review yours and often present two or three offers that make the best sense for both you, the seller, and us, the buyer.
What other advantages are there to Selling My Real Estate Note?
A promissory note is a fixed-value asset, and its real value falls over time. If inflation rises quickly, that value falls fast, unlike real estate, which generally rises over time.
Do You Buy Bank Notes?
No. We do not buy notes from large institutional lenders such as Bank of America, Wells Fargo, Citibank or credit unions.
Do You Buy Non Performing Notes?
Occasionally, yes. The discount on non-performing notes and loans is usually very steep.
Do I have to sell all of my promissory note?
No. Many notes we buy are partial purchases, where we buy only a portion of the note. Your note may not be discounted as deeply this way.
Can You Buy My Note if I have lost it?
Yes. A lost original note adds a few extra steps and a little time, but we can still buy it.
Do You Buy Unsecured Notes?
Generally no, though on very rare occasions we may consider one.
Free, no obligation
Find out what your note is worth.
We buy notes both small and large. Call us with your note details, or send them through our contact page, and we will come back with your options.
Have these handy
- Original amount, interest rate and term of the note
- The mortgage or deed of trust
- Payment history to date
- Title and property insurance details
- Remaining balance and monthly payment