Happy Friday! Another week of full-time note investing work in the books! As you may know, we provide portfolio management & run loan sales for a handful of private clients. Our top client currently holds 2,716 mortgage notes, approximately 300 are cash-flowing and the vast majority are non-performing (NPL). FIXnotes' job is to get those NPLs back on track or sold. So to help the community run efficient operations of their own (or as a service for other investors), I'm going to start documenting our progress - giving you a peak inside a business that brings in $5MM+ per year in mortgage note revenue (2025 has been a banner year with over $8MM grossed). So what did we do this week? Year End Cash-Flowing Audit On a regular basis it's important to ensure that your performing loans are performing as expected. This month we did a heavy audit of all of our client's cash-flow and initiated a campaign to get any re-defaulted accounts reinstated. Essentially - that means we told the borrowers how much they needed to pay to get caught up, while extending an olive branch for a revised modification if necessary. Thanks @Bill McCafferty for heading up this initiative! Data-Mining for Current Vintage versus Historic Performance I spent many hours this week pouring over our latest portfolio performance (we call each portfolio a separate "vintage") and comparing this against past efforts gives us a good understanding of how the trade stacks up against our historic results. I prepared two reports (in Excel) including line graphs: "% of UPB Resolved" & "Cumulative Basis Recovered". Here's a little detail about each: % of UPB Resolved This report reveals the percentage of unpaid principal balance that was turned into successful loan modification or payoffs within distinct time periods measured from the data of acquisition. Month 0 has a handful of resolutions as the seller occasionally sends "interim payoffs" that clear after our contract cut-off date. Then we measure in 3 months chunks: Months 1-3, Months 3-6, Months 6-9 etc. We plot the results on a line graph to see how the portfolio performs over time against similar portfolios that were acquired in the past.

Over the last few weeks I’ve been talking with a bunch of agents, and I noticed something interesting: Most people don’t struggle with getting leads… they struggle with what happens after the lead comes in. Some told me: “People stop replying after the first message.” “My follow-up is all over the place.” “I’m juggling too many conversations at once.” So now I’m curious, for you personally: 👉 What part of your client process feels the most chaotic right now? Lead response time? Booking calls? Nurturing? Organization? Something else? I’m asking because I’m trying to understand the REAL bottleneck in this industry… and I think the answers here could help a lot of people. Drop yours below — I’ll share what I’ve been seeing once a few people jump in.

Any suggestions on how best present oneself to Local Meet up group? TIA!

Hi Everyone, My name is Noah, and I am new to the group, but not new to note investing. I have a few notes in Ohio and Michigan and am looking to grow my portfolio. I look forward to connecting with all of you and growing our businesses together!

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