Understanding Your Options
How Much Is My Mortgage Note Worth?
Learn what drives your note's value, how buyers price notes, and why the number might surprise you.
5 Alternatives to Selling Your Mortgage Note
An honest look at your five main options, with real pros and cons for each.
Estate Planning with a Mortgage Note: What Your Family Needs to Know
Worried about leaving a complex asset to your family? Here's how to simplify your estate and protect your heirs.
Inherited a Mortgage Note? Here Are Your Options
What to do when you inherit a performing note, from servicing to selling to accessing cash without giving it up.
Understanding the Costs
Do I Have to Pay Taxes If I Sell My Mortgage Note?
Short answer: yes. Here's how much, what triggers it, and the one exception.
How to Sell a Mortgage Note (And What It Actually Costs)
Step-by-step process, timeline, and a clear look at the total cost, not just the buyer's discount.
Mortgage Note Buyers: What They Don't Tell You About Pricing
They're legitimate. But their pricing isn't always transparent. Here's the real math.
A Different Approach
What Is Note Hypothecation? (Borrowing Against Your Mortgage Note)
The option most note holders have never heard of, and for many, the most attractive.
Hypothecation Deal Math: A Complete Walkthrough
Every dollar, every month, every cost. The complete math behind a real hypothecation deal.
What Is a Collateral Assignment of a Mortgage Note?
The legal structure behind hypothecation, explained in plain English.
Selling Your Mortgage Note vs. Hypothecation: Which Is Right for You?
A balanced, honest comparison of selling vs. hypothecation, including when selling actually makes more sense.
Hypothecation vs. Partial Note Sale: Which Is Better?
Two ways to access cash without selling your note outright. Compare hypothecation and partial sales side by side to see which preserves more value.
IRA Property Lending
SDIRA Note Holders: How to Access Cash Without Triggering Taxes
Hold a note in your Self-Directed IRA? Here are your options for accessing cash without triggering penalties.
What Is IRA Property Lending?
How loans against IRA-held property work, who they're for, and why this market is so underserved.
Why Banks Won't Lend Against Your IRA Property
Why traditional lenders won't touch IRA-held property, and who fills the gap.
Non-Recourse Loans for IRA Properties: What They Are and Why They Matter
What non-recourse means in practice, how it protects your IRA, and why it's required for IRA property loans.
UBIT and UDFI: Tax Rules for IRA Property Loans
How UBIT and UDFI work when your IRA takes on property debt, and what to discuss with your CPA.
Cash Out vs. Selling Your IRA Property: Comparing Your Options
Sell the property or borrow against it? Compare the real costs, tax consequences, and long-term impact.
Who Qualifies for an IRA Property Loan?
Requirements for IRA property loans: property type, LTV, reserves, and custodian structure.
State-Specific Guides
How to Sell a Mortgage Note in Florida
Florida note market, lender protections, and what selling will actually cost you.
How to Sell a Mortgage Note in Texas
Texas note market, deed of trust advantages, and what selling will actually cost you.
How to Sell a Mortgage Note in Arizona
Arizona note market, lender protections, and what selling will actually cost you.
How to Sell a Mortgage Note in Georgia
Georgia note market, security deed advantages, and what selling will actually cost you.
How to Access Cash From Your Mortgage Note in Florida
Florida note holders have a unique advantage. No state income tax combined with hypothecation's favorable tax treatment can mean significant tax savings.
Special Situations
Have questions about your note?
Email us and we'll walk you through how to get cash from your note. No hard sell.
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