• Residential Notes - Notes that are created by the sale of residential properties, including houses, townhouses, condominiums, and one-to-four family rental units
• Commercial Notes - Notes originating with the sale of any type of commercial (business) property including office, retail, apartment (more than one-to-four family units) and industrial properties.
• Vacant Land Notes - Notes on developed or undeveloped land, or land not designated as a specific use property such as farm land or waste storage. This category does not include land that has been improved for development and building.

 Why do individuals sell their Business and Mortgage Notes (either full or partial sale of future payments)?

1. Access to Cash

People need or want access to their cash. Sometimes they have a serious need to pay off credit cards, finance long-term medical care, or to settle a divorce. Other times, they simply have a desire to purchase a dream home, take a vacation, buy a new car or boat, finance a wedding, or start a business, for example. In some cases, people want access to their cash just for peace of mind. They no longer want to worry about liquidity issues, collection hassles, foreclosures or the financial strength of the person who owes the debt.

2. Interest of Yield

People will sell their income streams - discounted from face value - because they know that with cash in hand today, they can start earning interest or yield.  Interest or yield is what gives us the ability to invest money this year and turn it into an even larger amount of money next year.  They typically have a number of options - either selling all future payments they receive or selling only enough payments to meet their current income needs.

3. Inflation

Inflation eats away at the future value or "buying power" of money. You can buy more with a dollar today than you will be able to five, ten, or twenty years from now. People sell their income streams because they realize that over time, the payments they receive will drop in real value.

Small payments over a long period of time have less buying power. A Lump Sum of cash today can provide you with financial stability and flexibility.  Sell all or only a portion of your privately held note. You may even sell future payments today while still receiving current payments. 

We can facilitate the sale of existing private mortgage notes, portfolios of residential or commercial mortgage notes, or can arrange point of sale funding, also called table funding or simultaneous closing.