Got this feedback and thought I would share.. Any feedback from experience please share. For Michigan, the SOL on a note is six years from the date of maturity, or if the note has been accelerated, six years from the date of acceleration. If you are acquiring notes that are in default, it is important to know whether any prior holder accelerated the loan. In addition to the six-year period, there is an additional provision that the note cannot be enforced if no principal or interest payment has been made for a continuous period of ten years. If your note is secured by a mortgage, you can still enforce that lien for up to 15 years from the date of maturity or last payment, whichever is LATER. Note, however, that any payments more than 15 years past due cannot be collected.

There's a moment that ends more note investing careers than any bad deal. You finally find a good opportunity. The seller is sitting on non performing loans they'd genuinely love to move. You're ready. And then they ask: "How many deals have you done?" You say "none" — and the conversation is over. They're not being rude. They're managing risk. Why would they hand distressed paper to a stranger? And that creates the catch-22 that traps investors for years: → You can't get deals without credibility. → You can't get credibility without deals. I've been on hundreds of calls with investors stuck in exactly that loop. Smart people. Capital ready. Just no way to answer the question. Here's how we broke it: 1. A credential that actually proves something. The Certified Note Professional™ designation isn't a watch-some-videos certificate. You earn it through the Accelerator curriculum and a capstone — real underwriting, real resolution planning. When you hold it, you can defend it. 2. Your credibility, on paper. Alongside the certification, we build your Portable Vetting Package — financials, experience, references, deal approach — in the exact format institutional sellers expect before they open the door. So next time someone asks the question, you don't stammer. You send a document and say: here's who I am, here's how I underwrite, here's how I resolve. That's a completely different conversation. Both come with annual Foundation, along with qualified-buyer status and the $250K minimum waived — so your first deal can be sized to your comfort. If you've been browsing the marketplace for months waiting to feel "ready," this is the path: Get Certified

I realized something when I was adding our Values to our new website... We haven't been practicing what we preach when it comes to Abundance. When I first started FIXnotes in 2017, my comprehensive note investing course was 100% free, not even an opt-in required. Somewhere along the way I lost sight of that and tried to paywall parts of it. That was a mistake, and we're correcting it today. All the training is now free. The education that used to be behind Premium and VIP — every course, every masterclass, every lesson — is now open to everyone. We've been building out the new FIXnotes website with a consolidated knowledge library that makes everything easier to find and digest. Go to FIXnotes.com/topics — 350+ encyclopedia entries, 91 articles, 57 lessons. More going up every week, videos coming soon to fully replace the Classroom content here. That also means we're simplifying the membership. Matchmaker & Investor Bundles are gone. In their place is a single tier called Foundation at $247/month ($197/m as a special launch price!). If you're already paying, your rate is grandfathered. Foundation isn't about education — that's free now. It's for people who want support as they get into the business or grow what they've already started with: 🛠️ Pro Tools: NoteInvestorGPT, 9,000+ bank leads, Buyer Bridge, contracts, templates & more. 📞 Weekly call with Bill McCafferty: Open Office Hours every Thursday at 4pm EST. [Bill's been a full-time asset manager and note investor for 20 years, specializing in cash-flowing and non-performing notes. He's managed thousands of NPLs for hundreds of investors nationwide. Whether you're working your first deal or your hundredth, bring your questions, Bill's there to help] and most important: 🏷️ Buyer's Club — the FIXnotes marketplace has a $250K minimum trade size. Foundation members get the minimum waived. You'll still need to go through our buyer vetting process, but once you're approved you can bid on any deal regardless of size (our smallest loan sale this year was a $2,150 contract).

Get in now for $97 or $197 & you will be grandfathered when we raise prices on Friday. Adding a private call with @Bill McCafferty every Thursday. Our current VIP members - @Bernard James @Jerry Lindsey, send me a DM to schedule a 1:1 call w/ me to get your business working for you. I'm giving away 30 minute 1:1 calls for anyone else who joins VIP ($197) before the price increase on Friday ($600 value)

Finding and buying a mortgage note without making a mistake requires following a strict “Waterfall Evaluation” process. This ensures you don’t spend money on due diligence for assets that are worthless or don’t fit your criteria. Here is the specific step-by-step process to find, analyze, and close a note deal: ✅ Phase 1: Preparation Before you look for a deal, you must be set up to buy one. 1️⃣ Establish Your Entity: Do not buy notes in your personal name; your name will appear in public records, exposing you to liability and borrower harassment. Set up an LLC to protect yourself. 2️⃣ Secure Proof of Funds: Have liquid capital (or a partner’s capital) ready. Sellers will often require a Proof of Funds (POF) before sharing detailed data. 3️⃣ Select a Servicer: You cannot collect mortgage payments yourself legally without specific licenses. You must have a contract with a licensed third-party loan servicer (e.g., Madison, Allied, FCI, LHFS) ready to take the loan once you buy it. ✅ Phase 2: Sourcing (Finding the Note) You can find notes through four primary channels: *️⃣ Online Exchanges: Platforms like Paperstac or NotesDirect are good for beginners to see inventory, though pricing is often higher (retail). *️⃣ Direct Outreach (The “Matchmaker” Approach): You can target local banks and credit unions by reviewing FDIC data for “non-accrual” loans (bad debt). You then contact them via LinkedIn or phone to offer to buy their charged-off portfolio. *️⃣ Reverse Inquiries: Search county records for Lis Pendens (foreclosure filings). Contact the attorney or lender listed to see if they would rather sell the note to you than finish the foreclosure. *️⃣ The FIXnotes Trade Desk: Apply for access to millions in small balance notes (final prices between $800 - $10,000) by clicking here.