Why Mortgage Notes Are the MVP of Investments (Even in a Chaotic Economy)
Let’s talk about the unsung hero of your portfolio: mortgage notes. Yep, those humble pieces of paper might not sound flashy, but they’re like the solid, dependable friend who’s always got your back—no matter what’s happening in the economy. Here’s why mortgage notes deserve the spotlight (and a standing ovation).
Forget the gamble of speculative investments (cough cryptocurrency cough). Mortgage notes are backed by a tangible asset: the property itself. If the borrower doesn’t pay up, you’ve got the power to foreclose and take ownership. In essence, you’re playing the bank—and banks don’t lose sleep over bad debts.
You’re the captain of your own risk ship with mortgage notes. Want rock-solid safety? Stick to investments worth less than 70% of the property’s value. For example, if a home is valued at $190,000, you’d cap your investment at $133,000. That 30% cushion is your built-in safety net. You’re calling the shots here, not the market.
Pick your poison: single-family homes, commercial properties, or even specific locations. Want to dabble in owner-occupied properties only? Go for it. With mortgage notes, you can tailor your investments to align with your risk appetite and personal preferences. It’s like a buffet—but for money.
Banks won’t give you 12% returns on a savings account, but mortgage notes? They’re all about that life. Depending on the deals you snag, you’re looking at 7-12% returns. And here’s the kicker: you’re in the driver’s seat. You decide what’s worth your time and dollars.
Mortgage notes are the investment equivalent of “Netflix and chill.” Need income? Hold onto your notes. Want to free up cash? Sell them. Most notes can be flipped at a later date, often for more than you paid. It’s financial flexibility with zero fuss.
You don’t need to bring Monopoly money to the table. Mortgage notes can be scaled to your comfort zone. Dip your toes in with smaller notes or buy “partials”—yep, just a slice of a note. It’s entry-level investing without feeling like you’re missing out.
If you’ve ever been a landlord, you know the struggle of midnight emergencies. Guess what? Mortgage note holders don’t deal with that nonsense. The homeowner or borrower handles their own clogged drains. You just collect payments and sip your coffee in peace.
The Bottom Line
Mortgage notes aren’t just an investment; they’re a strategy for navigating any economy. With predictable returns, customizable risk levels, and the kind of hassle-free management landlords dream about, they’re your portfolio’s best-kept secret.
Ready to elevate your investing game? It’s time to let mortgage notes show you why they’re the real MVP.
Stay tuned for more no-nonsense investing wisdom from A1 Secured Notes. We’re here to help you play smarter, not harder.
