#mortgage note investing

[firstshieldfinancial25]

Mortgage Note Investing: A Modern Approach to Real Estate Wealth Building

When it comes to real estate investing, most people think of buying physical properties, managing tenants, and dealing with maintenance issues. However, an alternative approach—mortgage note investing—offers a smarter and more passive way to earn high returns without the responsibilities of property ownership. Let’s explore why mortgage note investing is gaining traction and how it compares to traditional real estate investments.

What is Mortgage Note Investing?

Mortgage note investing involves purchasing the debt secured by real estate rather than the property itself. When homeowners take out a mortgage, their lender holds a promissory note—a legal document detailing the loan terms. Investors can buy these notes, essentially becoming the lender and collecting monthly payments with interest.

Mortgage note investing can be classified into two types:

Performing Notes – The borrower makes consistent payments, providing steady income to the investor.

Non-Performing Notes – The borrower has defaulted on payments, allowing investors to negotiate loan modifications, foreclosures, or property acquisitions at a discount.

Advantages Over Traditional Real Estate Investing

1. Passive Income Without Property Management

Unlike rental properties, mortgage notes eliminate the need for landlords to manage tenants, handle repairs, or deal with vacancies. Investors receive monthly payments just like a bank, making it a hands-free investment strategy.

2. Lower Capital Requirements

Traditional real estate investments often require large upfront capital for property purchases, renovations, and maintenance. Mortgage note investing, on the other hand, allows investors to enter the market with less capital while still securing high returns.

3. Reduced Market Volatility Risks

Property values fluctuate based on economic conditions, but mortgage notes are secured by the underlying real estate, providing stability even in uncertain markets. Investors receive payments as long as the borrower continues to pay, making it a less volatile investment.

4. Multiple Exit Strategies

With traditional real estate, selling a property can be time-consuming and dependent on market conditions. Mortgage note investors have flexible exit strategies, including selling the note to another investor, modifying loan terms, or foreclosing on the property to recover their investment.

5. Potential for Higher Returns

Mortgage notes can offer attractive returns, often exceeding the rental yields from traditional real estate. Investors can buy notes at a discount and collect interest, leading to double-digit annual returns in some cases.

Key Considerations Before Investing

While mortgage note investing has many benefits, it’s essential to conduct due diligence before purchasing notes. Investors should evaluate the borrower’s creditworthiness, the property’s value, and the terms of the note to ensure a profitable investment. Working with reputable note sellers and legal professionals can also mitigate risks.

Conclusion

Mortgage note investing presents a compelling alternative to traditional real estate investing, offering passive income, lower risks, and higher potential returns without the hassles of property ownership. As more investors seek smarter and more efficient ways to grow their wealth, mortgage notes are emerging as a viable and lucrative option in the real estate market.

For those looking to diversify their investment portfolio with a hands-off approach, mortgage note investing could be the key to long-term financial success.

[gailthenotegal]

The Value Of Sell Mortgage Note | Gail The Note Gal

At Gail The Note Gal, you can maximize the value of your mortgage note. We specialize in maximizing your financial profits through the sale of Sell Mortgage Note at Gail The Note Gal. Count on our knowledge to get the best price for you by navigating the market. Find out how powerful selling your mortgage note may be right now!

[responix]

7 Ways to Invest in Real Estate Without Buying Property

Table of Contents Introduction Invest in Real Estate Investment Trusts (REITs) What Are REITs? How REITs Work Why Invest in REITs? Real Estate Crowdfunding How Does Crowdfunding Work? Best Crowdfunding Platforms Why Choose Crowdfunding? Invest in Real Estate ETFs What Are Real Estate ETFs? Popular Real Estate ETFs Why ETFs Are a Great Choice Invest in Real Estate Mutual Funds What Are…

[investinceofund]

Passive Cash Flow in 2025: Unlocking the Power of Mortgage Note Investing

In the world of investing, building generational wealth is a goal many aspire to achieve. While traditional avenues like stocks, bonds, and real estate have long been popular choices for wealth-building, a lesser-known strategy has been gaining attention: mortgage note investing. By purchasing mortgage notes through funds, investors can create a steady stream of passive income and lay the foundation for long-term financial prosperity for themselves and future generations.

In this article, we will explore how mortgage note funds work, the benefits of investing in them, and how they can serve as a path to building generational wealth.

What Are Mortgage Note Funds?

A mortgage note is a legal agreement between a borrower and a lender that outlines the terms of a loan used to purchase property. The borrower agrees to repay the loan over time, typically with interest, and the lender receives regular payments until the loan is paid off. When you invest in mortgage notes, you are essentially buying the right to receive these payments from the borrower, instead of purchasing the underlying property.

Mortgage note funds pool together money from multiple investors to purchase a portfolio of mortgage notes. These funds are managed by professional fund managers who handle the day-to-day operations of purchasing, servicing, and managing the mortgage notes. By investing in a mortgage note fund, you gain access to a diversified portfolio of notes, which spreads the risk and reduces exposure to any single loan.

Mortgage note funds offer a passive income stream, as investors receive regular payments from the mortgage borrowers, typically in the form of interest income. This makes them an attractive option for those looking to build long-term wealth without actively managing properties or dealing with tenants.

The Benefits of Mortgage Note Funds

1. Diversification and Risk Mitigation:One of the key advantages of investing in mortgage note funds is diversification. By pooling capital from multiple investors, a mortgage note fund can purchase a wide range of mortgage notes secured by different properties across various geographic locations. This diversification helps mitigate risk, as the performance of one individual note has a smaller impact on the overall fund's returns.

Additionally, mortgage notes are often backed by real estate, which provides a tangible asset that helps protect the investment. In the event of borrower default, the fund may be able to recover the loan balance by foreclosing on the property and selling it.

2. Consistent Cash Flow and Passive Income: consistent stream of income for investors. Since the notes are often secured by real estate, the income tends to be more stable compared to other types of investments, such as stocks or bonds.

For individuals looking to create passive income, mortgage note funds offer an excellent opportunity. Once you’ve invested in a fund, there is minimal involvement required on your part. The fund manager handles the administrative tasks, such as collecting payments and managing delinquent loans, allowing you to enjoy the benefits of passive income without the day-to-day management responsibilities.

3. High Yield Potential:Mortgage note funds typically offer higher returns compared to traditional fixed-income investments. The yields vary based on factors such as the interest rate on the underlying loans, the risk profile of the notes, and the overall performance of the fund. However, many mortgage note funds target returelds than those offered by bonds or savings accounts.These higher yields come with a trade-off, as mortgage notes can be riskier than some other types of investments. However, the diversification and active management offered by mortgage note funds help reduce this risk while still providing attractive returns.

4. Appreciation of Underlying Assets

Real estate tends to appreciate over time, often at a rate of 2-3% annually. This long-term growth adds an additional layer of value to mortgage note investments, as the underlying property securing the note can increase in value. If a property appreciates, it can improve the overall value of the mortgage note itself, providing investors with potential capital gains in addition to the income generated from the interest payments.

In the event of a borrower default, the fund can often recover a larger portion of its investment by selling the property at a higher price than the original loan balance.

5. Tax Advantages:Investing in mortgage note funds may offer tax benefits, depending on the structure of the fund and the investor's individual circumstances. For example, some mortgage note funds are structured as real estate investment trusts (REITs) or other tax-efficient entities, allowing investors to take advantage of certain tax breaks, such as deductions for depreciation or tax-deferred income.

It’s essential to consult with a tax advisor to understand the specific tax advantages available with mortgage note funds, as they can vary based on the type of fund and the investor's tax situation.

Strategies for Building Generational Wealth through Mortgage Note Funds

Invest Regularly: Consistent investments into mortgage note funds can compound returns over time, enhancing overall wealth accumulation.

Reinvest Earnings: Instead of cashing out interest payments, reinvesting them into additional mortgage notes can accelerate wealth growth.

Leverage Tax Advantages: Understanding tax implications and benefits related to real estate investments can help maximize returns and preserve wealth across generations.

Creating a Sustainable Investment Strategy

To effectively build generational wealth through mortgage note funds, consider the following steps:

Set Clear Financial Goals: Define what generational wealth means for your family and establish specific, measurable objectives.

Educate Yourself and Your Heirs: Financial literacy is crucial; educate family members about investments and money management to ensure they can maintain and grow the wealth you create.

Diversify Investments: While mortgage note funds are a solid choice, diversifying into other asset classes like stocks, bonds, or businesses can mitigate risks associated with market fluctuations.

Challenges and Considerations

Investing in mortgage note funds is not without its challenges:

Market Risk: Economic downturns can impact property values and borrower repayment rates, affecting fund performance.

Liquidity Concerns: Unlike stocks or bonds that can be sold quickly, mortgage notes may have longer holding periods before they can be liquidated.

Regulatory Environment: Changes in laws or regulations affecting real estate or lending practices can influence fund operations and returns.

Building Generational Wealth with Mortgage Note Funds

Building generational wealth requires strategic long-term planning, consistent investment, and smart diversification. Mortgage note funds can play a crucial role in achieving this goal for several reasons:

1. Stable and Predictable Income Stream

One of the hallmarks of generational wealth is creating a stable and predictable income stream that can continue over the long term. Mortgage note funds offer just that. By investing in a diversified portfolio of notes, you create a consistent cash flow from the interest payments made by borrowers. This steady income can be reinvested, used for living expenses, or passed down to future generations.

2. Scalability and Growth

As your wealth grows, so too can your investments in mortgage note funds. Unlike owning individual rental properties, which require significant capital and effort to scale, mortgage note funds allow you to increase your investment with ease. You can add more capital to your existing investments or invest in new funds that align with your financial objectives.

This scalability is essential for building long-term wealth. By continuously reinvesting your returns and expanding your investments, you can compound your wealth over time and create a foundation for future generations to build upon.

3. Asset Protection

Real estate-backed mortgage notes provide an added layer of security to your investments. Because the loans are secured by property, the value of the underlying real estate serves as collateral. In the event of a borrower default, the fund can foreclose on the property and recover the outstanding loan balance by selling it. This added protection reduces the risk of losing your investment, which is particularly important when building wealth for future generations.

4. Legacy Planning and Wealth Transfer

Mortgage note funds offer an ideal solution for legacy planning. Unlike physical properties, which require active management and can be difficult to transfer, mortgage notes can be easily passed down to heirs. The passive income generated from these investments can provide a stable income stream for future generations, allowing them to enjoy the benefits of your investment without taking on the day-to-day responsibilities of property ownership.

Additionally, because mortgage note funds are managed by professionals, your heirs won’t need to worry about the complexities of managing real estate. They can continue to receive passive income from the fund, preserving the wealth you’ve built over time.

5. Access to Real Estate Markets Without Direct Ownership

Mortgage note funds give investors access to the real estate market without the need for direct property ownership. This is especially beneficial for investors who want to avoid the complexities of property management, tenant relations, and maintenance. By investing in mortgage notes, you can participate in the real estate market's potential for growth while minimizing the time and effort required to manage properties.

This indirect exposure to real estate also allows investors to diversify their portfolios with minimal risk. As the fund pools together capital from multiple investors, the risk is spread across a large number of loans and properties, making it less likely that any single investment will significantly impact the overall portfolio.

How to Get Started with Mortgage Note Funds

If you're interested in building generational wealth through mortgage note funds, here's how to get started:

Research Mortgage Note Funds: Begin by researching available mortgage note funds. Look for funds with a track record of strong performance, professional management, and a diversified portfolio of notes.

Assess Your Risk Tolerance: While mortgage note funds can offer high yields, they also come with risks, including the possibility of borrower default. Assess your risk tolerance and determine how mortgage note funds fit into your overall investment strategy.

Consult a Financial Advisor: Before making any investments, it’s important to consult with a financial advisor who can help you evaluate the best investment options based on your goals, risk tolerance, and time horizon.

Invest in a Fund: Once you've selected a fund that aligns with your objectives, you can invest your capital. Many mortgage note funds require a minimum investment, which may vary depending on the fund’s size and structure.

Monitor Your Investment: While mortgage note funds are designed to be passive investments, it’s still important to stay informed about their performance. Review regular reports and communicate with the fund manager to ensure the fund is meeting your expectations.

Conclusion: Building Wealth for Generations to Come

Mortgage note funds provide a unique and powerful way to build generational wealth. With the potential for stable income, high yields, and asset protection, mortgage note investing is a path that can help investors create lasting financial prosperity for themselves and future generations. By incorporating mortgage note funds into a diversified investment strategy, you can create a passive income stream that continues to grow and provide long-term wealth for your family.

As with any investment, it’s important to do your due diligence and consult with professionals to ensure you’re making the best decisions for your financial future. With patience and smart investing, mortgage note funds can be a key component of a successful generational wealth-building strategy.

[mfi-miami]

Romspen Threw In The Towel On Uphill Foreclosure Fight

Romspen Threw In The Towel To Avoid The Agony Of Defeat On Uphill Foreclosure Fight With Jetall Companies Over Houston Office  Why Did Romspen Throw In The Towel With Ali Choudhri? Were They Afraid Of Facing The Agony Of A Humiliating Defeat? It appears Canadian lender Romspen threw in the towel in their uphill foreclosure battle with Jetall Companies. Let’s be honest. Romspen is having severe…

[loveemagicpeace]

🍯Astrology Notes🍯

🪴Virgo rising- are very caring people. They take great care to ensure that you have everything you need, especially for your health. They will be able to tell you a lot about various medicines.

🌱Gemini rising- funny as fuck sometimes. They are people who talk and don't stop. You can discuss all possible topics with them if you want. They have a very open mind. But when it comes to being able to do something, sometimes they are not so open to new things. Let's say one difference between them and Sagittarius is that they are not traveling types and they don't like to travel that much.

💫You will feel most comfortable talking to people with whom you have the same compatible moon and mercury in your house. for example: mercury in the 9th house and the other person has mercury in the 1st house. With this you can see what topics you can discuss with others.

🪐People who has saturn in 1st house looks better when they are skinnier. Because their bones and body structure are more beautifully emphasized. Many times they can have weight problems(they can quickly lose weight from worry).

🍀Earth signs look very down to earth even when they are joking around. Even when they make a crazy joke, they still look down to earth.

🐚Scorpios quickly stop trusting you. You just have to do one thing and they are done trusting you. When they see that you are dishonest to them in any kind of way, they will not trust you anymore. Especially when they get to know someone from the beginning and notice that they didn't tell them something or hid something from them, and as I said, it could be just one small thing like say you're going to say you're eating pizza, but in reality you're eating hamburger. It is small lie. But this is sometimes also one of the reasons why pisces and scorpio don't go so well together. Because pisces tend not to say everything while scorpios are. Many times, pisces swim off into their fantasy world and sometimes get lost in it. Scorpios are always looking for the truth in everything. I have seen successful Scorpio/Capricorn couples many times.

🍁Fire signs are actually very active people. So you have to prove them love with actions. They want to see how much you are willing to do for them and how much you are willing to risk. When you go beyond your limits and do something really crazy for them, they will really appreciate it.

💷2nd house represents your money & 8th house where you invest money. The 2nd house reflects your underlying relationship to money and patterns around money are often deeply ingrained. With the Moon in Cancer here, your emotional wellbeing rises and falls with your bank balance, both of which may be subject to flux. You can be a rags-to-riches success, but with Saturn in the 2nd you might always feel poor, the millionaire who still buys the budget range at the supermarket. The 8th house is concerned with debt and our relationship to institutions which provide loans, mortgages, and overdrafts. Capricorn on the cusp of the 8th suggests paying your dues and insisting on a proper contract, Sagittarius here you can invest a lot in travel or even illegal things.

☀️The Sun is the central flame of our vitality. Acting according to your Sun sign and engaging in activities denoted by the house it occupies are important ways to increase your energy and vigour. For instance, with Sun in the 1st, you might need time alone in order to recoup your energies - the presence of others can drain you, Or with Sun in the 6th, maybe you like to spend spare time working in the garden or catching up on DIY. The Sun in Sagittarius might mean you like to explore far afield; if in Aquarius maybe you like to holiday with a group of friends. Sun in Scorpio- working in the shadows or researching something no one knows about is best for you. Sun in 7th house you like to devote a lot of your time to your partner.

🧸Some signs are naturally more work-oriented and some more suggestive of needing a slower pace. Capricorn (or its ruler Saturn) is often highlighted in the charts of anyone with a strong work ethic - by contrast, Leo, Libra, or Pisces might engender a bit more need for time off, to play, relax, or dream. Each Zodiac sign has its ideal gap year or holiday. The fire signs might favour adventure breaks, the air signs a chance to meet new faces, the earth signs maybe an eco-trip; and the water signs a sojourn by the sea or in quiet, restful places.

🩰The IC and the 4th house describe home, both as a physical place and as an inner sense of roots, safety, and foundation. If you have Jupiter in the 4th, it might feel natural to you to travel around or you might even choose to live abroad - or with Uranus here, you may experience many changes of home(many unexpected moves). With the Sun or Moon in the 4th, you might be so strongly connected to home and homeland that uprooting yourself will not be easy - your Sun here suggests your life revolves around home in some way, the Moon that your emotional wellbeing is closely tied to it. With Pluto you can feel that your home is intense and that you are always transforming through it (but it can also leave bad memories). With Mercury can mean that you change your home a lot. With Mars you may feel that your home is often chaotic or aggressive and you are looking for a home where you can become independent. With Neptune many times your home is confusing, strange. Many times you find your ideal place somewhere by the ocean. With Venus your home is loving, genuine and you have loving parents to whom you love to return. But it can involve a lot of money or love based on it. So you can feel that your parents never really appreciated you if you didn't have money.

🧚🏼‍♀️About Aquarius: I want to say one thing about them. I would say that if they really really want they will do it. But most likely they are independent people & lost souls sometimes. I think that they are scared of attachment. So that's why they are rather alone. They are looking for someone. Who will be goofy as they are.

💌I think Valentine's Day is for Libras. Libra is a sign of love, romance,beautiful things. And if any sign is inclined to & like to celebrate this day, it's definitely the Libra. But I find it a little strange that it is in Aquarius season.

💘Cupido is definitely a Sagittarius sign. Although people don't believe that Sagittarians are so loving and romantic, but they really are. Cupido shoots into the hearts of people who are meant to be together. If you hit a sagittarius deep in the heart with your love, then you can see the true side of them. Then you can see how loving they are.

🌅The people you attract into your life are usually connected to your North Node.For ex.: North node in Virgo in your 8th house- you will mostly be attracted to people who have a virgo placements, scoprpio placements, or pisces/ taurus placements.

🌊Pluto symbolizes power in whatever house it is. The power you feel in yourself and the people around you. Strong experience of feelings. For ex.: 5th house - privacy, romance, jealousy, strong emotions, strong happiness, attitude towards the things you do, you feel strong love, devotion. Obsession with changing partners maybe or affairs idk. 6th house - obsessed with perfection, control, work, high expectations. 7th house - you attract a lot of possessive partners, obsession with your partner, but at the same time you can be afraid to get into a relationship, mistrust. 8th house rulership- curious, constant control, secrets, power over your secrets, emotional transformations, many dark things, connection with birth and death, great interest in hidden things. 10th house - people can see you as a strong opponent, driven for a career, they can see you as a person who has a lot of secrets, you can present people with challenges. Big influence.

-Rebekah🧚🏼‍♀️🩰🌙

[autumngracy]

"Trump is better for the economy, though!"

Aside from almost every major economist agreeing that Trump's economic plans would actually make things far worse than they are now, this man can't even manage his campaign's, his businesses', OR his personal finances.

Case in point, here a list from Public Opinion of his failed business endeavors:

"Trump's companies have filed for bankruptcy at least six times. This is no exaggeration. Digital World noted this in its SEC filings. This excludes additional business failures that might not have declared bankruptcy, but closed owing vendors, employees and others."

"For the record, here are some of Trump's noteworthy business failures."

Trump Airlines — Trump borrowed $245 million to purchase Eastern Air Shuttle. He branded it Trump Airlines. He added gold bathroom fixtures. Two years later Trump could not cover the interest payment on his loan and defaulted.

Trump Beverages — Although Trump touted his water as "one of the purest natural spring waters bottled in the world," it was simply bottled by a third party. Other beverages, including Trump Fire and Trump Power, seem not to have made it to market. And Trump's American Pale Ale died with a trademark withdrawal.

Trump Game — Milton Bradley tried to sell it. As did Hasbro. After investment, the game died and went out of circulation.

Trump Casinos — Trump filed for bankruptcy three times on his casinos, namely the Trump Taj Mahal, the Trump Marina and the Trump Plaza in New Jersey and the Trump Casino in Indiana. Trump avoided debt obligations of $3 billion the first time. Then $1.8 billion the second time. And then after reorganizing, shuffling money and assets, and waiting four years, Trump again declared bankruptcy after missing ongoing interest payments on multi-million dollar bonds. He was finally forced to step down as chairman.

Trump Magazine — Trump Style and Trump World were renamed Trump Magazine to reap advertising dollars from his name recognition. However, Trump Magazine also went out of business.

Trump Mortgage — Trump told CNBC in 2006 that "I think it's a great time to start a mortgage company. … The real-estate market is going to be very strong for a long time to come." Then the real estate market collapsed. Trump had hired E.J. Ridings as CEO of Trump Mortgage and boasted that Ridings had been a "top executive of one of Wall Street's most prestigious investment banks." Turned out Ridings had only six months of experience as a stockbroker. Trump Mortgage closed and never paid a $298,274 judgment it owed a former employee, nor the $3,555 it owed in unpaid taxes.

Trump Steaks — Trump closed Trump Steaks due to a lack of sales while owing Buckhead Beef $715,000.

Trump's Travel Site — GoTrump.com was in business for one year. Failed.

Trumpnet — A telephone communication company that abandoned its trademark.

Trump Tower Tampa — Trump sold his name to the developers and received $2 million. Then the project went belly-up with only $3,500 left in the company. Condo buyers sued Trump for allegedly misleading them. Trump settled and paid as little as $11,115 to buyers who had lost hundreds of thousands of dollars.

Trump University or the Trump Entrepreneur Initiative — Trump staged wealth-building seminars costing up to $34,995 for mentorships that would offer students access to Trump's secrets of success. Instructors turned out to be motivational speakers sometimes with criminal records. Lawsuits and criminal investigations abound.

Trump Vodka — Business failed due to a lack of sales.

Trump Fragrances — Success by Trump, Empire by Trump, and Donald Trump: The Fragrances all failed due to being discontinued, perhaps as a result of few sales.

Trump Mattress — Serta stopped offering a Trump-branded mattress, again likely due to slacking sales.

Truth Social — This existing Trump business owes big money, and may well be breathing its last.

And then of course is his long history of stiffing contractors, restaurants, and even entire cities for their event venues he used for his rallies—as well as some of his own followers—

—such as the case where he promised a greiving hispanic American family that he would pay for the burial of their daughter, Vanessa Guillén, a servicewoman who had been brutally murdered by a fellow soldier at Fort Hood in 2020, but later told his chief of staff not to pay for it after learning it would cost $60,000, reportedly saying "It doesn’t cost 60,000 bucks to bury a fucking Mexican!"

[literaryvein-reblogs]

Writing Notes: Death & Dying

Death - the end of life, a permanent cessation of all vital functions.

Dying - the body’s preparation for death. This process may be very short in the case of accidental death, or it can last weeks or months, such as in patients suffering from cancer.

DEATH PREPARATION

Although it is not always possible, death preparation can sometimes help to reduce stress for the dying person and their family. Some preparations that can be done beforehand include:

Inform one or more family members or the executor of the estate about the location of important documents, such as social security card, birth certificate, and others.

Take care of burial and funeral arrangements (such as cremation or burial, small reception or full funeral) in advance of death, or inform family members or a lawyer what these arrangements should be.

Discuss financial matters (such as bank accounts, credit card accounts, and federal and state tax returns) with a trusted family member, lawyer, estate executor, or trustee.

Gather together all necessary legal papers relating to property, vehicles, investments, and other matters relating to collected assets.

Locate the telephone numbers and addresses of family and friends that should be contacted upon the death.

Discuss outstanding bills (such as utilities, telephone, and house mortgage) and other expenses that need to be paid.

Collect all health records and insurance policies.

Identify the desire to be an organ donor, if any.

MOURNING & GRIEVING

The death of a loved one is a severe trauma, and the grief that follows is a natural and important part of life.

No two people grieve exactly the same way, and cultural differences play a significant part in the grieving process.

For many, the immediate response may be shock, numbness, or disbelief.

Reactions may include:

Shortness of breath, heart palpitations, sweating, and dizziness.

Other reactions might be a loss of energy, sleeplessness or increase in sleep, changes in appetite, or stomach aches.

Susceptibility to common illnesses, nightmares, and dreams about the deceased are not unusual during the grieving period.

Emotional reactions are as individual as physical reactions.

A preoccupation with the image of the deceased or feelings of hostility, apathy, emptiness, or even fear of one’s own death may occur.

Depression, diminished sex drive, sadness, and anger at the deceased may be present.

Bereavement may cause short- or long-term changes in the family unit or other relationships of the bereaved.

It is important for the bereaved to work through their feelings and to not avoid their emotions.

Support groups are often available.

If a person does not feel comfortable discussing emotions and feelings with family members, friends, or primary support groups, they may wish to consult a therapist to assist with the process.

Various cultures and religions view death in different manners and may conduct mourning rituals according to their own traditions.

Visitors often come to express their condolences to the family and to bid farewell to the deceased.

Funeral services may be public or private.

Family or friends of the deceased may host a gathering after the funeral to remember and celebrate the life of the deceased, which also helps the bereaved to begin the mourning process positively.

Knowing how much a loved one is cherished and remembered by friends and family can provide comfort to those who experienced the loss.

Other methods of condolences include sending flowers or cards to the home or the funeral parlor, sending a donation to a charity that the family has chosen, or bringing a meal to the family during the weeks after the death.

Source ⚜ More: Writing Notes & References ⚜ Pain ⚜ Bereavement Death & Cheating Death ⚜ Pain & Violence ⚜ Death & Sacrifice

[axvoter]

Blatantly Partisan Party Review III (federal 2025): Australian Citizens Party

(formerly the Citizens Electoral Council and forever the CEC in our hearts)

Running where: Senate in every state and the NT, plus both House divisions in the NT and a smattering of House divisions across five states (not SA)

Prior reviews: federal 2013, federal 2016, federal 2019, federal 2022

What I said before: “While other parties may be ignorant or regressive, the CEC are actually destructive. It is fortunate that their ideas are so absurd, their rhetoric so laughable, and their narratives so incoherent that they have been unable to develop even the most microscopic base despite being electoral pests for over two decades.” (federal 2016)

What I think this year: The Australian Citizens Party (ACP), as part of their rebrand from the CEC a few years ago, launched a new website that appears to try to present the party as more sane and mainstream than they actually are. My 2013 and 2016 reviews, linked above, discuss this party when they were full mask-off and shoving their wackiest beliefs in the face of anybody who glanced in their general direction. I recommend reading those reviews if this party is new to you. Today, the ACP's website is more slick and the 2025 election page begins with motherhood statements opposing corruption and policies about housing affordability and healthcare mingled with their pet economic interests (please enjoy an archived version from March 2019 here for what they used to be like).

I worried this might make it less obvious at first glance that the ACP have some of the oddest beliefs of anybody on the ballot, but last week while having lunch and catching up on my emails I was sitting beside some undergraduate students chatting loudly about the different parties they’d seen on the ballot. One mentioned the ACP, so they looked it up, to great mirth: their collective reaction was that this was obviously a party of nutters. What did strike me, though, was that these young people all thought one of the most absurd ACP ideas was that for a Post Office “People’s Bank”. They were all too young to have even considered going to Australia Post to pay bills or do any other banking. To quote one of them: “Australia Post, run the banking system? Do they want to lose my money as well as my parcels?” (I must say here that I far prefer when my deliveries come via Auspost over any one of those dreadful courier companies, but I got why they were baffled—older generations might either use the Post Office for banking or remember doing so, but it’s not an experience these 20-somethings have had)

In general, the ACP promote ludicrous banking/financial proposals in the tradition of Lyndon LaRouche, a man for whom “heterodox” and “conspiratorial” vastly understate the peculiarity of his ideas. The ACP's past predictions that their "exposés" would bring down Australia's banking and mortgage sector have of course not come true. They were also touting conspiracies that cash would be banned well before this became a popular anxiety of far-right parties who want to commit some light tax fraud. Indeed, they even claim they stopped a cash ban singlehandedly (dig deeper and what they claim to stop was not a ban on cash, but a ban on cash transactions over $10,000, ditched in late 2020).

The ACP believe their People’s Bank scheme can fund large-scale infrastructure projects that do not make sense. Now, I’m a big fan of government investment in public works, but everything that the ACP backs is completely laughable. Rather than things like better urban rail, cycle lanes, pedestrianisation, or improved regional rail, the ACP have terraforming fantasies to make the deserts bloom in Central Australia. These include the Bradfield Scheme (redirect rivers) and the Iron Boomerang (a half-formed idea for a mineral-and-steel freight railway in Northern Australia, which in 2023 a government inquiry found lacking in substance, with the conclusions on page 36 noting “significant implementation issues and risk”). At least they no longer seem to be talking about an Australian space programme or colonising Mars. Is Elon Musk too embarrassing even for them?

Despite the ACP’s attempts to avoid extreme language in speaking to concerns about housing and energy and things like that, you simply need to go to their publications page to find their underlying ideas and conspiracies are still in full bloom. We apparently live in a “bankers’ dictatorship” and the British Crown is directly trying to crush Australian unions (among various other conspiracies, the British royal family is a long obsession of the CEC/ACP). These publications also show their history of being fellow travellers with the current corrupt authoritarian regime in Russia. Elsewhere on their website, you can read nonsense about how Ukraine crossed Russia’s “red lines” and brought invasion upon itself; personally, I find blaming Ukraine for Russia’s invasion to be beneath contempt. I am yet to see a single pro-Russia (or purportedly anti-NATO and ~*anti-imperialist*~) argument that isn’t just the nation-state version of “but what was she wearing?” victim-blaming. Now, sure, the ACP’s foreign policy attitudes lead them to oppose AUKUS, but not for any sensible reason. Stopped clock, right twice a day, etc.

Recommendation: Give the Australian Citizens Party a low preference in the House of Representatives and a weak or no preference in the Senate.

Website: https://citizensparty.org.au/

[mariacallous]

On February 10, employees at the Department of Housing and Urban Development (HUD) received an email asking them to list every contract at the bureau and note whether or not it was “critical” to the agency, as well as whether it contained any DEI components. This email was signed by Scott Langmack, who identified himself as a senior adviser to the so-called Department of Government Efficiency (DOGE). Langmack, according to his LinkedIn, already has another job: He’s the chief operating officer of Kukun, a property technology company that is, according to its website, “on a long-term mission to aggregate the hardest to find data.”

As is the case with other DOGE operatives—Tom Krause, for example, is performing the duties of the fiscal assistant secretary at the Treasury while holding down a day job as a software CEO at a company with millions in contracts with the Treasury—this could potentially create a conflict of interest, especially given a specific aspect of his role: According to sources and government documents reviewed by WIRED, Langmack has application-level access to some of the most critical and sensitive systems inside HUD, one of which contains records mapping billions of dollars in expenditures.

Another DOGE operative WIRED has identified is Michael Mirski, who works for TCC Management, a Michigan-based company that owns and operates mobile home parks across the US, and graduated from the Wharton School in 2014. (In a story he wrote for the school’s website, he asserted that the most important thing he learned there was to “Develop the infrastructure to collect data.”) According to the documents, he has write privileges on—meaning he can input overall changes to—a system that controls who has access to HUD systems.

Between them, records reviewed by WIRED show, the DOGE operatives have access to five different HUD systems. According to a HUD source with direct knowledge, this gives the DOGE operatives access to vast troves of data. These range from the individual identities of every single federal public housing voucher holder in the US, along with their financial information, to information on the hospitals, nursing homes, multifamily housing, and senior living facilities that HUD helps finance, as well as data on everything from homelessness rates to environmental and health hazards to federally insured mortgages.

Put together, experts and HUD sources say, all of this could give someone with access unique insight into the US real estate market.

Kukun did not respond to requests for comment about whether Langmack is drawing a salary while working at HUD or how long he will be with the department. A woman who answered the phone at TCC Management headquarters in Michigan but did not identify herself said Mirksi was "on leave until July." In response to a request for comment about Langmack’s access to systems, HUD spokesperson Kasey Lovett said, “DOGE and HUD are working as a team; to insinuate anything else is false. To further illustrate this unified mission, the secretary established a HUD DOGE taskforce.” In response to specific questions about Mirski’s access to systems and background and qualifications, she said, “We have not—and will not—comment on individual personnel. We are focused on serving the American people and working as one team.”

The property technology, or proptech, market covers a wide range of companies offering products and services meant to, for example, automate tenant-landlord interactions, or expedite the home purchasing process. Kukun focuses on helping homeowners and real estate investors assess the return on investment they’d get from renovating their properties and on predictive analytics that model where property values will rise in the future.

Doing this kind of estimation requires the use of what’s called an automated valuation model (AVM), a machine-learning model that predicts the prices or rents of certain properties. In April 2024, Kukun was one of eight companies selected to receive support from REACH, an accelerator run by the venture capital arm of the National Association of Realtors (NAR). Last year NAR agreed to a settlement with Missouri homebuyers, who alleged that realtor fees and certain listing requirements were anticompetitive.

“If you can better predict than others how a certain neighborhood will develop, you can invest in that market,” says Fabian Braesemann, a researcher at the Oxford Internet Institute. Doing so requires data, access to which can make any machine-learning model more accurate and more monetizable. This is the crux of the potential conflict of interest: While it is unclear how Langmack and Mirski are using or interpreting it in their roles at HUD, what is clear is that they have access to a wide range of sensitive data.

According to employees at HUD who spoke to WIRED on the condition of anonymity, there is currently a six-person DOGE team operating within the department. Four members are HUD employees whose tenures predate the current administration and have been assigned to the group; the others are Mirski and Langmack. The records reviewed by WIRED show that Mirski has been given read and write access to three different HUD systems, as well as read-only access to two more, while Langmack has been given read and write access to two of HUD’s core systems.

A positive, from one source’s perspective, is the fact that the DOGE operatives have been given application-level access to the systems, rather than direct access to the databases themselves. In theory, this means that they can only interact with the data through user interfaces, rather than having direct access to the server, which could allow them to execute queries directly on the database or make unrestricted or irreparable changes. However, this source still sees dangers inherent in granting this level of access.

“There are probably a dozen-plus ways that [application-level] read/write access to WASS or LOCCS could be translated into the entire databases being exfiltrated,” they said. There is no specific reason to think that DOGE operatives have inappropriately moved data—but even the possibility cuts against standard security protocols that HUD sources say are typically in place.

LOCCS, or Line of Credit Control System, is the first system to which both DOGE operatives within HUD, according to the records reviewed by WIRED, have both read and write access. Essentially HUD’s banking system, LOCCS “handles disbursement and cash management for the majority of HUD grant programs,” according to a user guide. Billions of dollars flow through the system every year, funding everything from public housing to disaster relief—such as rebuilding from the recent LA wildfires—to food security programs and rent payments.

The current balance in the LOCCS system, according to a record reviewed by WIRED, is over $100 billion—money Congress has approved for HUD projects but which has yet to be drawn down. Much of this money has been earmarked to cover disaster assistance and community development work, a source at the agency says.

Normally, those who have access to LOCCS require additional processing and approvals to access the system, and most only have “read” access, department employees say.

“Read/write is used for executing contracts and grants on the LOCCS side,” says one person. “It normally has strict banking procedures around doing anything with funds. For instance, you usually need at least two people to approve any decisions—same as you would with bank tellers in a physical bank.”

The second system to which documents indicate both DOGE operatives at HUD have both read and write access is the HUD Central Accounting and Program System (HUDCAPS), an “integrated management system for Section 8 programs under the jurisdiction of the Office of Public and Indian Housing,” according to HUD. (Section 8 is a federal program administered through local housing agencies that provides rental assistance, in the form of vouchers, to millions of lower-income families.) This system was a precursor to LOCCS and is currently being phased out, but it is still being used to process the payment of housing vouchers and contains huge amounts of personal information.

There are currently 2.3 million families in receipt of housing vouchers in the US, according to HUD’s own data, but the HUDCAPS database contains information on significantly more individuals because historical data is retained, says a source familiar with the system. People applying for HUD programs like housing vouchers have to submit sensitive personal information, including medical records and personal narratives.

“People entrust these stories to HUD,” the source says. “It’s not data in these systems, it’s operational trust.”

WASS, or the Web Access Security Subsystem, is the third system to which DOGE has both read and write access, though only Mirski has access to this system according to documents reviewed by WIRED. It’s used to grant permissions to other HUD systems. “Most of the functionality in WASS consists of looking up information stored in various tables to tell the security subsystem who you are, where you can go, and what you can do when you get there,” a user manual says.

“WASS is an application for provisioning rights to most if not all other HUD systems,” says a HUD source familiar with the systems who is shocked by Mirski’s level of access, because normally HUD employees don’t have read access, let alone write access. “WASS is the system for setting permissions for all of the other systems.”

In addition to these three systems, documents show that Mirski has read-only access to two others. One, the Integrated Disbursement and Information System (IDIS), is a nationwide database that tracks all HUD programs underway across the country. (“IDIS has confidential data about hidden locations of domestic violence shelters,” a HUD source says, “so even read access in there is horrible.”) The other is the Financial Assessment of Public Housing (FASS-PH), a database designed to “measure the financial condition of public housing agencies and assess their ability to provide safe and decent housing,” according to HUD’s website.

All of this is significant because, in addition to the potential for privacy violations, knowing what is in the records, or even having access to them, presents a serious potential conflict of interest.

“There are often bids to contract any development projects,” says Erin McElroy, an assistant professor at the University of Washington. “I can imagine having insider information definitely benefiting the private market, or those who will move back into the private market,” she alleges.

HUD has an oversight role in the mobile home space, the area on which TCC Management, which appears to have recently wiped its website, focuses. "It’s been a growing area of HUD’s work and focus over the past few decades," says one source there; this includes setting building standards, inspecting factories, and taking in complaints. This presents another potential conflict of interest.

Braesemann says it’s not just the insider access to information and data that could be a potential problem, but that people coming from the private sector may not understand the point of HUD programs. Something like Section 8 housing, he notes, could be perceived as not working in alignment with market forces—“Because there might be higher real estate value, these people should be displaced and go somewhere else”—even though its purpose is specifically to buffer against the market.

Like other government agencies, HUD is facing mass purges of its workforce. NPR has reported that 84 percent of the staff of the Office of Community Planning and Development, which supports homeless people, faces termination, while the president of a union representing HUD workers has estimated that up to half the workforce could be cut The chapter on housing policy in Project 2025—the right-wing playbook to remake the federal government that the Trump administration appears to be following—outlines plans to massively scale back HUD programs like public housing, housing assistance vouchers, and first-time home buyer assistance.

[firstshieldfinancial25]

Earn Stable Passive Income Through Mortgage Note Investing

Traditional real estate investing often requires active management, large upfront capital, and ongoing maintenance costs. However, Mortgage Note Investing offers a secure alternative for those looking to earn passive income without direct property ownership. First Shield Financial provides structured real estate investment funds and real estate wealth management solutions, allowing investors to benefit from consistent returns backed by real estate assets.

Understanding Mortgage Note Investing

Mortgage note investing involves purchasing the debt attached to a property rather than the property itself. When a homeowner makes mortgage payments, the investor receives a portion of those payments, effectively becoming the bank. This investment strategy allows for steady cash flow while reducing the risks and responsibilities associated with physical real estate ownership.

There are two main types of mortgage notes:

Performing Notes — These are loans where the borrower consistently makes payments on time. Investors earn regular interest and principal payments, making it a stable source of passive income.

Non-Performing Notes — These are loans where the borrower has defaulted. Investors may have opportunities to restructure the loan, sell the asset, or acquire the property at a discounted rate, potentially increasing profitability.

Benefits of Mortgage Note Investing

Mortgage note investing offers several advantages over traditional real estate investment options:

Consistent Cash Flow — Monthly mortgage payments provide a reliable income stream.

Lower Risk Exposure — Since the investment is backed by real estate assets, it offers stability even during market fluctuations.

Portfolio Diversification — Mortgage notes provide an alternative way to invest in real estate without direct property ownership.

Hands-Off Investment — Unlike rental properties, mortgage notes do not require property maintenance, tenant management, or ongoing expenses.

Recession-Resistant Strategy — Mortgage note investments remain stable even in economic downturns, making them an attractive option for long-term investors.

How First Shield Financial Supports Mortgage Note Investing

First Shield Financial specializes in providing real estate investment funds tailored to various financial goals. The firm offers:

Expert Portfolio Management — Investors gain access to professionally managed mortgage note portfolios that optimize returns while mitigating risks.

Customized Investment Strategies — Different investment options are available to align with specific financial objectives, such as passive income generation or long-term wealth accumulation.

Secure Real Estate-Backed Investments — All investment options are structured to provide security and stable growth opportunities.

Education & Resources — Investors can access webinars, blogs, and expert insights to better understand mortgage note investing and its benefits.

Why Mortgage Note Investing is a Smart Investment Choice

Compared to traditional real estate investment funds, mortgage note investing eliminates many of the challenges associated with property ownership. Investors do not need to deal with:

Property maintenance and repairs

Tenant vacancies and late rent payments

Market volatility affecting rental income

High transaction costs associated with buying and selling properties

Instead, mortgage note investing offers a streamlined approach to real estate wealth management, where the focus is on generating passive income through well-structured debt investments.

Final Thoughts

For those seeking a secure, low-risk investment option with steady passive income, mortgage note investing stands out as a viable alternative. Unlike traditional real estate investments, this strategy provides consistent returns, portfolio diversification, and reduced management hassles. With access to real estate investment funds and structured investment strategies, investors can grow their wealth and achieve financial stability.

To learn more about mortgage note investing and explore secure investment opportunities, visit First Shield Financial today.

[gailthenotegal]

Real Estate Note Investing With Using Mortgage Notes

Gail The Note Gal offers a comprehensive guide to real estate note investing, specifically focusing on mortgage notes. With expert advice and valuable resources, Gail The Note Gal equips investors with the knowledge and tools necessary to navigate the complex world of note investing. Discover profitable opportunities and learn strategies to maximize returns in the real estate note market.

[phoenixyfriend]

Ko-Fi prompt from Isabelo:

Hi! I'm new to the workforce and now that I have some money I'm worried it's losing its value to inflation just sitting in my bank. I wanted to ask if you have ideas on how to counteract inflation, maybe through investing?

I've been putting this off for a long time because...

I am not a finance person. I am not an investments person. I actually kinda turned and ran from that whole sector of the business world, at first because I didn't understand it, and then once I did understand it, because I disagreed with much of it on a fundamental level.

But... I can describe some factors and options, and hope to get you started.

I AM NOT LEGALLY QUALIFIED TO GIVE FINANCIAL ADVICE. THIS IS NOT FINANCIAL ADVICE.

What is inflation, and what impacts it?

Inflation is the rate at which money loses value over time. It's the reason something that cost 50 cents in the 1840s costs $50 now.

A lot of things do impact inflation, like housing costs and wage increases and supply chains, but the big one that is relevant here is federal interest rates. The short version: if you borrow money from the government, you have to pay it back. The higher the interest rates on those loans, the lower inflation is. This is for... a lot of reasons that are complicated. The reason I bring it up is less so:

The government offers investments:

So yeah, the feds can impact inflation, but they also offer investment opportunities. There are three common types available to the average person: Bonds, Bills, and Notes. I'll link to an article on Investopedia again, but the summary is as follows: You buy a bill, bond, or note from the government. You have loaned them money, as if you are the bank. Then, they give it back, with interest.

Treasury Bills: shortest timeframe (four weeks to a year), and lowest return on investment. You buy it at a discount (let's say $475), and then the government returns the "full value" that the bond is, nominally (let's say $500). You don't earn twice-yearly interest, but you did earn $25 on the basis of Loaning The Government Some Cash.

Treasury Notes: 2-10 year timeframe. Very popular, very stable. Banks watch it to see how they should plan the interest rates for mortgages and other large loans. Also pretty high liquidity, which means you can sell it to someone else if you suddenly need the cash before your ten-year waiting period is up. You get interest payments twice a year.

Treasury Bonds: 20-30 years. This is like... the inverse of a house mortgage. It takes forever, but it does have the highest yield. You get interest payments twice a year.

Why invest money into the US Treasury department, whether through the above or a different government paper? (Savings bonds aren't on sold the set schedule that treasury bonds are, but they only come in 30-year terms.)

It is very, very low risk. It is pretty much the lowest risk investment a person can make, at least in the US. (I'm afraid I don't know if you're American, but if you're not, your country probably has something similar.)

Interest rates do change, often in reaction or in relation to inflation. If your primary concern is inflation, not getting a high return on investment, I would look into government papers as a way to ensure your money is not losing value on you.

This is the website that tells you the government's own data for current yield and sales, etc. You can find a schedule for upcoming auctions, as well.

High-yield bank accounts:

Savings accounts can come with a pretty unremarkable but steady return on investment; you just need to make sure you find one that suits you. Some of the higher-yield accounts require a minimum balance or a yearly fee... but if you've got a good enough chunk of cash to start with, that might be worth it for you.

They are almost as reliable as government bonds, and are insured by the government up to $250,000. Right now, they come with a lower ROI than most bonds/bills/notes (federal interest rates are pretty high at the moment, to combat inflation). Unlike government papers, though, you can deposit and withdraw money from a savings account pretty much any time.

Certificates of Deposit:

Okay, imagine you are loaning money to your bank, with the fixed term of "I will get this money back with interest, but only in ten years when the contract is up" like the Treasury Notes.

That's what this is.

Also, Investopedia updates near-daily with the highest rates of the moment, which is pretty cool.

Property:

Honestly, if you're coming to me for advice, you almost definitely cannot afford to treat real estate as an investment thing. You would be going to an actual financial professional. As such... IDK, people definitely do it, and it's a standby for a reason, but it's not... you don't want to be a victim of the housing bubble, you know? And me giving advice would probably make you one. So. Talk to a professional if this is the route you want to take.

Retirement accounts:

Pension accounts are a kind of savings account. You've heard of a 401(k)? It's that. Basically, you put your money in a savings account with a company that specializes in pensions, and they invest it in a variety of different fields and markets (you can generally choose some of this) in order to ensure that the money grows enough that you can hopefully retire on it in fifty years. The ROI is usually higher than inflation.

These kinds of accounts have a higher potential for returns than bonds or treasury notes, buuuuut they're less reliable and more sensitive to market fluctuations.

However, your employer may pay into it, matching your contribution. If they agree to match up to 4%, and you pay 4% of your paycheck into an pension fund, then they will pay that same amount and you are functionally getting 8% of your paycheck put into retirement while only paying for half of it yourself.

Mutual Funds:

I've definitely linked this article before, but the short version is:

An investment company buys 100 shares of stock: 10 shares each in 10 different "general" companies. You, who cannot afford a share of each of these companies, buy 1 singular share of that investment company. That share is then treated as one-tenth of a share of each of those 10 "general" companies. You are one of 100 people who has each bought "one stock" that is actually one tenth of ten different stocks.

Most retirement funds are actually a form of mutual fund that includes employer contributions.

Pros: It's more stable than investing directly in the stock market, because you can diversify without having to pay the full price of a share in each company you invest in.

Cons: The investment company does get a cut, and they are... often not great influences on the economy at large. Mutual funds are technically supposed to be more regulated than hedge funds (which are, you know, often venture capital/private equity), but a lot of mutual funds like insurance companies and pension funds will invest a portion of their own money into hedge funds, which is... technically their job. But, you know, capitalism.

Directly investing in the stock market:

Follow people who actually know what they're doing and are not Evil Finance Bros who only care about the bottom line. I haven't watched more than a few videos yet, but The Financial Diet has had good energy on this topic from what I've seen so far, and I enjoy the very general trends I hear about on Morning Brew.

That said, we are not talking about speculative capital gains. We are talking about making sure inflation doesn't screw with you.

DIVIDENDS are profit that the company shares to investors every quarter. Did the company make $2 billion after paying its mortgages, employees, energy bill, etc? Great, that $2 billion will be shared out among the hundreds of thousands of stocks. You'll probably only get a few cents back per stock (e.g. Walmart has been trading at $50-$60 for the past six months, and their dividends have been 57 cents and then 20.75 cents), but it adds up... sort of. The Walmart example is listed as having dividends that are lower than inflation, so you're actually losing money. It's part of why people rely on capital gains so much, rather than dividends, when it comes to building wealth.

Blue Chip Stocks: These are old, stable companies that you can expect to return on your investment at a steady rate. You probably aren't going to see your share jump from $5 to $50 in a year, but you also probably won't see it do the reverse. You will most likely get reliable, if not amazing, dividends.

Preferred Stocks: These are stock shares that have more reliable dividends, but no voting rights. Since you are, presumably, not a billionaire that can theoretically gain a controlling share, I can't imagine the voting rights in a given company are all that important anyway.

Anyway, hope this much-delayed Intro To Investing was, if not worth the wait, at least, a bit longer than you expected.

Hey! You got interest on the word count! It's topical! Ish.

[investinceofund]

From Purchase to Profit: A Comprehensive Guide to Mortgage Note Investing

Welcome to the world of mortgage note investing! If you're looking for a way to generate passive income while diversifying your investment portfolio, you’ve come to the right place. In this blog, we’ll explore everything you need to know, from understanding mortgage notes to scaling your investments.

What is Mortgage Note Investing?

Mortgage note investing involves buying the rights to receive payments on a mortgage loan. When you purchase a mortgage note, you essentially become the lender, receiving monthly payments from the borrower. This investment can provide a steady cash flow, making it an attractive option for many investors.

Benefits of Mortgage Note Investing

Passive Income: One of the main draws is the potential for regular income from monthly payments.

Diversification: Investing in mortgage notes allows you to diversify beyond stocks and bonds, reducing overall risk.

Control: You have the ability to choose which notes to invest in based on your risk tolerance and investment strategy.

Understanding the Risks

While mortgage note investing can be lucrative, it's not without risks:

Default Risk: Borrowers may fail to make payments, leading to potential losses.

Market Fluctuations: Changes in real estate values can impact the value of your investment.

Regulatory Changes: Be aware of new laws that may affect mortgage lending.

Getting Started

Step 1: Educate Yourself

Start by learning the fundamentals of mortgage notes. Consider enrolling in online courses, reading books, or attending workshops.

Step 2: Conduct Market Research

Understand the current trends in the real estate market. This knowledge will help you make informed decisions.

Step 3: Network

Connect with other investors, note brokers, and real estate professionals. Networking can lead to valuable opportunities and insights.

Sourcing Mortgage Notes

Direct Purchases: Approach banks or individual sellers directly.

Note Brokers: Work with professionals who specialize in buying and selling notes.

Auctions and Marketplaces: Explore online platforms dedicated to note trading.

Evaluating Mortgage Notes

When evaluating a note, consider:

Borrower Creditworthiness: Assess the borrower's financial history.

Property Value: Ensure the property is worth the investment.

Payment History: Review past payment patterns to gauge reliability.

The Purchase Process

Negotiation: Agree on a purchase price with the seller.

Documentation: Ensure all legal documents are in order, including the assignment of the note.

Closing: Finalize the transaction through an escrow service or attorney.

Managing Your Investment

Payment Tracking: Keep meticulous records of payments received.

Communication: Stay in touch with borrowers to address any issues.

Default Management: Have a strategy for handling late or missed payments.

Exit Strategies

Consider your options for exiting an investment:

Selling Notes: If you wish to liquidate your investment, consider selling on the secondary market.

Foreclosure: As a last resort for non-performing notes, you may need to initiate foreclosure proceedings.

Re-performing: Work with borrowers to help them resume regular payments.

Scaling Your Investment

Once you're comfortable, think about expanding your portfolio:

Diversification: Invest in different types of notes and various markets.

Automation: Utilize software tools for tracking payments and managing your portfolio.

Partnerships: Collaborate with other investors to share resources and expertise.

Conclusion

Mortgage note investing offers a unique opportunity to earn passive income and build wealth. By understanding the fundamentals and following a strategic approach, you can turn your investment into a profitable venture.

Additional Resources

Books: Look for reputable titles on mortgage note investing.

Webinars and Courses: Consider platforms that offer in-depth training.

Networking Groups: Join communities of like-minded investors for support and advice.

[tenebrare]

One last and final note on eBay.

Two things: EU officials said I have a case, but I'd need to formally request eBay to address this 1st. And should lawyer up. eBay did a move which internet says it never happens (Reddit etc) - they took my appeal, reaffirmed and said I did nothing wrong. Likely because I pointed out I am aware of the profiling and being from EU. Now however to unban me they asked me to send photo of documents I cannot give or have no effect - i.e. passport or driving license as I do not need one to travel within most of continent and our driving licenses, unlike US ones, do not have too much personal data outside name, DOB and has bundle of "secret letters" our police/people understands, but eBay wouldn't (I think us ones have address in them?) and as proof of address eBay wants me to photograph bills or mortgage outtakes etc. Not only its not encouraged in this country as security risk, we do not even have paper bills. Also photographing our ID's is NOT recommended by my gov and is seen as security risk and according EU law a company cannot ask photo-identifier without cause (this one is very technical and more complex, but I leave it to my eBay case). Thus, technically eBay is willing to restore me and my account (which in such auto ban cases they do not even consider normally) and EU officials wrote me back (damn they fast!) saying I would have a case, but would need to request formal response from eBay representative body and formal statement (not customer service) 1st. I decided after some consideration guest accounts as buyers have 0 downsides (literally 0, unless you like to sit and haggle there and I value my time more than camping a website) and have actually more privacy and that I do not actually care enough to put effort on them to say one more time 'sorry' which customers service did twice already. Additionally I have received some IRL news that I'd invest my focus on instead fighting with eBay. In a way I already won - they admitted their fault and apologized. Twice! Maybe my story still helps some people, who get ban for no reason to investigate and chase their right - as some people do like and enjoy using eBay - if you know you didn't do wrong, find out what is going on - as our name and reputation matters. Even a corpo can say sorry, after all. I just hope that their darn box gets shipped properly to my continent and I can forget that this site existed, just like it didn't exist for me a week ago. Now I go back to doodle Hellraiser and animation tests because I have some plans. I just hope THEY have time to take part of it. ;)

[couldawouldashoulda50]

Do you have any thoughts on William and Lorene’s wedding? Also do William and Lorene live in his apartment or in Loren’s house.

You know, I haven't reached that part just yet in terms of outlining what a wedding for William and Loren might look like - whether they just run down to city hall and then have a massive party later on or if it's a full wedding weekend event like Pasta's wedding (which I thought was stunning).

For me, I just find that it sparks so many ideas in my head when the model that I have based Loren's physical features on (Laura Celia) ends up modeling wedding dresses - how William would feel and what he would think when he first lays eyes on Loren in a wedding gown for a photo shoot.

It's bound to have some kind of impact 🥵🤤❤️ - but I just haven't fleshed that all out just yet.

And their living arrangements. I wrote a blurb where Loren receives a huge financial boost with money her father invested on her behalf.

It's a life changing thing, so after discussing an idea with her parents, William, and even William's parents (just because that's the relationship she has with them), she's made the decision to renovate her home to have a legal basement apartment which allows the rest of the house can be rented to a family. At the end of the day, Loren intends to keep her house well into the future, whether she's living there or not. This way, her mortgage is actually covered giving her a little more time, and freedom.

When she explains to William that the idea of the basement apartment is really for her to move into, that's ultimately the trigger for him to start working on the idea of her moving in with him.

I have a chapter for the two of them outlined - it's kind of a big relationship arc for them and I think it's a really important step that will either bring them closer or...🫣💣💥

Thank you again for your note and for reading their series - I am so appreciative of readers like you!