Hi everyone! I’m so excited to be here, I have joined the community for a while now 🎉

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).

Hey all, I’ve been in the notes space a few years now and made the move from mobile home parks over to this industry because it is much less chaotic. I actually jumped into npls in second position and now I’ve done some note creation as well. Recently, I’ve gotten my MLO license and I’m working to build a loan brokerage in Florida with seasoned vet in the industry. Our focus will be working with non-QM loans (those loans that fall outside of Fannie and Freddie but still usually more favorable than true private money deals) as well as DSCR loans. I also run a facial spa with my wife in South Miami so if you’re down here and need a facial, we got you covered!

Quick backstory: CRE finance background and moved to the U.S. from India to chase the entrepreneurial RE investing dream. I started my real estate journey by investing in a hotel syndication… and let’s just say it was a “great learning experience” (translation: it didn’t work out how I thought). The best part? I’m still in that deal 10 years later. So yeah… that one left a mark. That experience basically pushed me into note investing. I went down the YouTube rabbit hole like most people, and that’s where I found Mike Russica @Mike Ruscica (my first guru). He introduced me to the world of 2nd liens. This was around 2020-covid time. Been doing notes full-time ever since. In the beginning, we brokered notes for a couple years — calling literally everyone: banks, credit unions, private lenders… you name it. It kept the lights on while I got reps, confidence, and real-world experience. But I’ll be honest: sourcing the right product to buy has always been a grind (still is). Today we’re 100% focused on investing, not brokering — mainly NPLs across residential, multifamily, and hotels. My first two note purchases were 2nd lien NPLs in Cook County (Chicagoland) back in July 2021. I bought them mostly to learn outcomes and get the full “hands-on” experience. Both were well-secured by home equity. Here’s how they played out: Deal #1:Borrower even had a BK7 on record. We went through the process and got paid back at foreclosure auction in exactly 1 year. IRR: 383% (yes, I triple checked that) Deal #2:This one went re-performing and it still pays like clockwork. Truly passive — the kind of note you almost forget about (in a good way). Matures April 2027 and we’re projecting about 35% IRR to maturity. Thanks to groups like this, we still invest in 2nds — after a bunch more deals and states, the journey continues. And honestly, one of the coolest parts of notes is you can actually help homeowners stay in their homes while still making good returns. That “doing well while doing good” part matters to me.

A few months ago we heard from Gerald Lemoine on one of Mastermind Expert Session calls about his outreach strategy for sourcing off-market mortgage notes. He showed how he has a ~5% success rate because of follow-ups. So I wanted to share two little stories to drive home the importance of following up with your sellers. I get calls, texts & letters all the time from wholesalers that want to get my properties under contract. 99% of the time, I ignore them but there are 2 times over the last decade that I have responded and it was all because of timing (I became a "motivated seller" and literally the first person to contact me got the deal). Story 1: A partner and I acquired a duplex in Reading, PA for $30k (he had bought a non-performing mortgage note secured to the property for <$10k and foreclosed, taking back the deed to the property - then the two of us bought it from his other entity). It was pretty good for a few years, we did a little rehab on one of the units and were bringing in ~$2k per month from the building. But eventually both of our core businesses started to take off and we didn't spend enough time managing the rental. Eventually some maintenance issues were the last straw and we were both ready to call it quits. At this perfect timing, a wholesaler called me up and offered $80k for the property. It was slightly under market but it was EASY & FAST - we took the deal (and now the property is worth over $150k but I'm glad to be rid of it!) Story 2: I own a mixed-use quadplex about an hour a way from where I live. I used to live in the town and it was fun to have a coin-operated laundromat on the first floor that I managed myself. Eventually I moved out of town, had kids and it became a big hassle. Previously I would occasionally get letters or calls from people who wanted to buy the business (not the building, just the laundromat + equipment) and I would ignore them. But finally, after another "motivated seller moment" I started to take these inquiries seriously. Now I'm negotiating a sale of the business with two prospects - all because they had the right timing on their follow-up!