How Note investing works

Imagine your friend takes out a loan from a bank to buy a house.

Every month, they pay the bank back a little bit, plus interest.

That's how the bank makes money.

No fixing toilets. No finding tenants. No dealing with a property at all. Just collecting a monthly check, like a bank does.

If a homeowner stops paying and the house has to be sold to recover the money, not everyone in line gets paid at the same time. Think of it like a checkout line:

• 1st lien = First in line. You get paid first, before anyone else.
• 2nd lien = Second in line. You only get paid if there's money left after the 1st lien is paid.
• Unsecured = No line position at all. You might get nothing.

LTV = Loan-to-Value. It just compares how much is owed vs. how much the house is actually worth.

The smaller the loan compared to the house's value, the safer the investment.

• Every month, you get a payment — like rent, but from a loan, not a tenant
• Typical earnings: 8% to 12% per year
• It's steady and predictable — it doesn't move up and down based on the stock market
• You can either cash out your monthly payments or reinvest them to grow faster

Sometimes, instead of lending against a finished house, you lend against a house that's still being built. Why this can be a good deal:

• These loans pay more — usually 10–14% instead of 8–12%
• They don't last as long — usually 6 to 18 months, so you get your money back faster
• As the house gets built, it becomes worth more — so your investment gets safer over time, not riskier

• Every loan is backed by a real house — not just a promise
• Safety cushions built in — loans are kept well below what the house is actually worth
• Deals are pre-checked — every opportunity is reviewed for risk before you see it, so you're not the one stuck doing that homework
• Personal approach — matched to deals that fit what you're looking for

Once you invest, you get a simple online dashboard where you can:

• See your investments update in real time
• Get paid and manage payments securely
• Check everything in one place — no spreadsheets, no digging through email
• Get notified instantly when a payment comes in or something changes