Owning mortgages Nationwide · Retirement CASH FLOW

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Owning mortgages Nationwide

You can buy a performing mortgage as an investor.

What the hell does that even mean?

Let me break it down the way nobody on Wall Street will:

A borrower buys a house worth $250,000.They put $40,000 down.The bank writes a $160,000 mortgage, with all the normal income, credit, and paperwork boxes checked.

Now here’s the part most people never hear:

Banks don’t like to sit on these loans. Their business model is: write the loan → sell the loan → recycle the money.

But sometimes they screw something up in the file. Maybe it’s a missing doc, a weird guideline issue, or something technical. The payment is still on time. The borrower is still performing. But the big buyers say:

“Yeah nope pass.”

Now the originator is stuck holding a loan they meant to sell.They label it “scratch and dent” and dump it at a discount just to free up capital.

That’s where we come in.

As investors (yes, even inside your retirement accounts), we can buy that same good, paying loan at a discount… and collect the principal and interest for the next 20+ years.

The cheaper we buy it 🡆 the higher our yield.
The higher our yield 🡆 the faster our retirement account grows.

This is how you start acting like the bank.

👉 Honest question: Would you rather spend the next 30 years hoping your mutual funds behave… or collect payments every month on a mortgage you own as the bank?

Drop me a line below. let's talk!

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