Wishing everyone a great Holiday Season and a successful 2026! Take time to reflect on the good people in your life and what you're grateful for. Thanks to the group for making this a great educational page for us all to benefit from.

I helped one of our non-performing accounts negotiate a discounted payoff on Friday and received this glowing appreciation (email attached). It's pretty amazing how much we can impact our borrower's lives when we offer a little compassion & pass some of the discount along (this loan was bought very cheap because of the impact of AB 130 on 2nd liens in California). And even better - the client who I help close this deal for tripled their money on the deal 🤑

Here's a hack to tap into a real network of real estate entrepreneurs - connect with me on Linkedin! 🌐 You'll become 2nd degree connections with the ~2,000 industry pros that follow me. All I ask in return? Like & comment on my latest post 👈 do it here pretty please 😅 Drop your profile link in the comments 👇 so we can all link up with you!

My question is for the states that actually have both judicial and non-judicial foreclosures. Are we typically going to get eyes in the documents in order to determine which one we are looking at before the bid process? And if that answer is a “no”, wouldn’t it be normal or expected that the bid would need to be lowered if the note is lacking a “power of sale clause”?

Just recorded this short video congratulating the winner of our first 30-day contest and showing how note investing works in practice. This is the Paper Business and it's all about the actual collateral documents - watch the video below and learn a little about Notes, Mortgages, Assignments & Allonges. Congratulations @Iván Terrero for winning the contest this month! You've got $129.97 coming your way - a "one payment partial" so you can capitalize on a performing note deal. And for the rest of you, a new month starts tomorrow - participate in the community and get to the top of the leaderboard for our next 30-day contest - awarded on November 30th ~noon EST. Between now and then, have a happy halloween and go through the course so you have some great questions to ask in the morning :)