FIXnotes
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Investors everywhere trust FIXnotes for training/education, investment opportunities, asset management & due diligence.
A real estate business we couldn't have built a year ago.
We started with 11 loans and a spreadsheet.
Now every deal runs on one platform, and we use it every single day.
✅ Comment "TECH" for an invitation to apply to the Mortgage Note Mastermind and demo the platform..
A smaller balance is not a lower quality note. It is a payoff the borrower can realistically reach.
$20,000 is money most borrowers can actually put together if they have to. That is why the small balance paper keeps working for everyday investors.
Buy 10 delinquent seconds and the pattern holds up: 6 or 7 modifications, 1 or 2 payoffs, 1 or 2 you put in a drawer.
A $200 to $500 monthly payment is a far easier ask than $1,000 or $1,500, and the risk sits across a stack of small deals instead of one big file.
That is not a guess. It is what the numbers have looked like since 2008.
Want to be on the next call? Join the Note Investor Network. Link in bio.
09/10/2026
510 non-performing 2nd liens changed hands between January 2024 and July 2026.
203 sold for under $5,000. The median price in that group was $1,750, and the median balance still owed behind it was $6,712.
A second-lien note sits behind the main home loan. When the borrower stops paying it, the lender often sells the note rather than chase it.
Buying one is not passive: on these 510 notes, someone was living in the house 89% of the time and the first mortgage was still being paid 85% of the time.
42 of them sold for $1,000 or less.
Every figure is a completed sale. Where the numbers come from is on frame 2.
Source: FIXnotes.com Statistics, data to 27 July 2026.
Link in bio to apply to the Mastermind.
If you don't understand notes, you don't understand real estate.
Every foreclosure you've ever seen started as a note someone chose not to work out.
You were looking at the property. A note investor was looking at the paper — months earlier, at a better price, with more options.
Every seller-finance deal you've ever done created a note. That note has a market value you could sell for cash tomorrow. Most people holding paper right now have no idea.
When institutional capital "buys up housing" — a huge share of it isn't buying houses. It's buying the debt on houses.
The note market isn't a niche inside real estate. It's the layer underneath all of it. The properties are the collateral. The notes are the asset.
We put this all together in a new video — the mechanics, the pricing, and a real deal from this January with full numbers.
👉 Watch it here:
You don’t make your money when you buy, you make your money when you buy at a discount.
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Philadelphia, PA
19102