Residential Promissory Notes
A residential promissory note can be a solid investment, but it also locks up capital and leaves you exposed to one borrower's situation. We buy owner‑financed residential mortgage notes so you can turn years of future payments into cash now. Many of our clients use the proceeds to pay off higher‑rate debt, fund another property, or boost retirement security.
We look at your remaining balance, interest rate, and borrower history, then provide a straightforward cash quote without any obligation to sell. If you prefer, you can sell only a portion of the payment stream and keep some monthly income. Our online process is streamlined from quote to closing, with secure document handling and clear timelines, backed by more than 20 years of specialized note‑purchase know‑how through our Charter Financial partnership.
Condo’s / Duplexes / Townhomes
Minimum funding: $30,000
Maximum funding: $2,000,000
Position: First-position notes only
Second-position notes: Not accepted
Interest-only notes: Not accepted
Minimum seasoning: 90 days
Minimum down payment: 10% for notes with less than 1 year of payment history
Rehab deals: Minimum 1 year of payment history required
Credit Requirements
Notes seasoned 90 days–1 year: 650+ credit score
Notes seasoned 1 year or longer: 600+ credit score
Condos, Duplexes & Townhomes
Minimum funding: $30,000
Maximum funding: $2,000,000
Position: First-position notes only
Second-position notes: Not accepted
Interest-only notes: Not accepted
Minimum seasoning: 90 days
Minimum down payment: 10% for notes with less than 1 year of payment history
Rehab deals: Minimum 1 year of payment history required
Credit Requirements
Notes seasoned 90 days–1 year: 650+ credit score
Notes seasoned 1 year or longer: 600+ credit score
Mobile Homes With Land
Minimum funding: $30,000
Maximum funding: $200,000
Position: First-position notes only
Second-position notes: Not accepted
Interest-only notes: Not accepted
Minimum seasoning: 90 days
Minimum down payment: 20% for notes with less than 1 year of payment history
Land requirement: Mobile home must include land
Rehab deals: Minimum 1 year of payment history required
Credit Requirements
Notes seasoned 90 days–1 year: 650+ credit score
Notes seasoned 1 year or longer: 600+ credit score