Greg Dixon speaks with Dr. Ivan Torrero, The Note Doctor, to understand the benefits of investing in real estate notes over owning physical property or investing in the stock market.
Dr. Torrero details why he turned to note investing, the benefits (such as its uncorrelation with stock market volatility and consistent income streams), and how it allows investors to own a piece of real estate without worrying about maintenance or tenants.
He also discusses purchasing notes directly from banks, outlines the process, and provides an overview of what new investors can expect.
Key Points
Note investing allows you to invest in real estate without the responsibility of property maintenance.
Investing in notes directly from the bank avoids the hassle of buying properties, rehabilitating them, and dealing with home auctions.
Reliable, consistent income and varied exit strategies.
Opportunities to invest in bulk with note pools.
No property management responsibilities.
Profitability in various ways.
Capital is secured by the property.
Note investing is not correlated to the stock market, and provides consistent returns without being volatile.
You can buy notes at a discount if you establish relationships with banks or other note sellers.
You can invest in a note with an IRA.
If you’re interested in purchasing a note, selling a note, or investing as a passive investor, reach out to Dr. Ivan Torero for more information.
Greg Dixon talks with Ivan Tererro, The Note Doctor, to discuss returns on mortgage notes.
They start off by explaining what a note is, with Ivan illustrating it as an IOU or a promise to pay a debt, backed by a hard asset such as a house.
They also differentiate between non-performing and performing notes, noting that non-performing notes are ones that have not been paid on time for over 90 days, while performing notes are ones that have been paid on time consistently. Ivan highlights that with hard work and commitment, investing in non-performing notes can yield high returns despite the initial challenges.
Key Points
A note is simply a promise to pay a debt, in this case it’s backed by a hard asset like a house.
Performing notes are consistently paid on time, generating about 8% to 12% annual return.
Non-performing notes are not paid on time but can yield high returns up to 40%-50% if well managed.
Ivan’s approach to non-performing notes is to understand the borrower’s situation and reach a payment agreement that suits both parties.
Ivan and his team are both buying and selling notes, interested parties can reach out to them.
Netcoins is a Canadian company based in Vancouver that is fully listed in the Canadian Securities Exchange (CSE) and publicly traded under BIGG Digital Assets.
I was introduced to Netcoins as a way to get money from my Canadian bank account to by cryptocurrencies for fund investments on other platforms.
Almost all of those investments collapsed in time.
However, Netcoins has proven to be a fabulous platform for investing, trading, and payments.
The fees are very low and you can liquidate everything and transfer to your bank account in an hour if needed.
I simply don’t think you will ever need to do that.
Funding by E-Transfer
Canada has a fabulous mechanism for transferring money from one Canadian bank account to another through email or text messages.
Transfers are nearly instant and fees are typically a dollar or free. You can send a payment of $2,000 to someone for $1.
Venmo is a similar service in the United States.
Investing in Cryptocurrencies
Netcoins allows you to buy and sell some forty different coins including Bitcoin, Ethereum, Solana, Cardano, Litecoin, Pokadot, Gala, Bitcoin Cash, Uniswap, PAX Gold, Cosmos, Render, and more.
The fees are low. I’ve been paying five cents on small eleven-dollar transactions ~ less than .5%.
Trading
Netcoins is a great platform for day or swing trading because the transactions are fast and the fees are low.
Here is a Bitcoin graph from a minute ago.
Both the phone app and the desktop allow you to quickly flip through the price charts for 1 hour, 24 hours, 7 days, 1 month, 3 months, and 1 year.
An Easy and Safe Trading Strategy
Here is something you can dry with as little as $100 making the minimal $10 trades following these guidelines.
Buy when something is trending upwards.
Sell when it is trending downwards.
If the longer-term trend is upward, hold on to more as an investment. Sometimes the thing to do is buy and let it ride the small dips.
If the longer-term trend is downward, avoid holding on to anything that is dropping in price. Sometimes it is better to sit on the cash and go for a walk.
Beware the Optimism Bias
The main challenge that I have had with trading is what I call the Optimism Bias.
Humans are wired to want things to work out and will hold on to losing trades hoping the price will turn to go up.
Sometimes the turnaround won’t happen for months, years, or ever and people simply watch their investment sink.
A strategy and discipline can help with that.
Learn to avoid ever having a losing day and your financial future is in your hands.
I will provide more trading strategies in another post.
Netcoins for Payments
I have a Netcoins Debit MasterCard that I can use for everyday payments.
Rather than pay 10 to 20% on credit card payments, Netcoins pays me 1% in Bitcoin for using the card for payments!
So I use it for buying coffee and bannock as Keluli, offline and online purchases, and paying international collaborators for their services.
Cool stuff!
Try Netcoins Yourself
Netcoins is not an MLM, though there is a reward program for referring people.
If you sign up with this link, I will receive $25 when you fund the account and buy a coin, and you will also receive a $25 reward.
Hannah Thorsen talks with Greg Dixon about her inspirational journey from content creation and gaming to becoming a financial advisor, with a mission to provide people with financial education and tools to create a secure foundation for their dreams.
Hannah offers personalized financial advice and solutions through her partnership with Virtuity Financial Partners.
Hannah was introduced to the world of content creation through a gaming YouTuber named Markiplier, eventually making her own YouTube channel in 2015 and learning how to edit, create content, and stream.
A personal tragedy led Hannah to pursue an idea for a cancer awareness event in Minecraft, which evolved into her becoming the CEO of a startup.
After some personal setbacks, including the loss of a loved one and homelessness, Hannah realized the importance of having a solid financial foundation to pursue one’s dreams.
Hannah is part of Virtuity Financial Partners, an agency that offers a whole range of financial services and products to help people reach their financial goals, with the motto “No families left behind.”
Working with real estate investors and brokers allows Hannah to extend her financial support to families looking to buy a home and ensure they have the necessary financial knowledge to avoid unnecessary strains.
Please remember that these show notes are a summary of the conversation and do not represent every detail discussed during the conversation. Listen to the complete podcast episode for the full context and nuances discussed.
I’m an investor specializing in discounted Mortgage Notes. I invested in real estate off-and-on since 1998,
It was only recently that I rediscovered Mortgage Notes and decided this is where I wanted to focus my investments. I’ve educated myself through Desi Arnaz and Patrick Franz’s Note Investor University.
I needed mentors and they continue to be my mentors today! Note Investing is simply one of the best keep secrets and best investment vehicles I have ever seen!
No longer wanting to deal with the physical property search/hunting, inspecting, then working with sometimey contractors, or troublesome tenants I wanted something a little more passive. The property I control through Mortgage Notes within my Self-directed IRA I have not physically seen.
I now use processes and online systems to analyze potential deals. From this armchair labor the cashflow hits my accounts automatically while I sleep.
The upfront time one puts in on due diligence analyzing, discounting mortgage notes is ultimately rewarded when the deal is done because everything after that is on autopilot.
Think about it.
If you have money sitting in a bank savings account, what interest rate are you earning? If any of your investments are earning less than 5%, you have “Lazy Assests”!
Or if you have money in the stock market or bitcoin /cryptocurrency, investing in Mortgage Notes doesn’t have that rollercoaster volatility.
But by no means is Mortgage Note investing a get-rich-quick solution.
It’s an option to diversify your investments with a consistent or steady process to build wealth. Through the Note Experience we can provide the opportunity to put money to work generating high yields, passive returns by leveraging the amazing power of Mortgage Note Investing.
Lending Investor’s are double collateralized!!!
The Note Experience works to customize partnerships depending on specific criteria and your investment requirements. This creates a win-win solution for us and our unique investment goals and strategies to achieve the greatest ROI, SAFELY!
Take the journey, gain financial intelligence with the Note Experience!
Emin Muhammad is a seasoned professional with over 30 years in business and technology, seamlessly integrating computer science and real estate proficiency. His career highlights include developing full-lifecycle transactional software systems for U.S. government agencies and renowned Fortune 500 companies like Xerox Corporation, BASF, UNISYS, and Liberty Travel.
Emin founded Colbycoco Vacation and Short-Term Rentals, evolving from part-time residential rentals to a “done-for-you” full-service property management specializing in short-term rentals since 2015.
At the core of Emin’s philosophy is “Continual Improvement,” a guided process he shares through mentorship and e-learning. He provides a tangible roadmap for landlords, emphasizing a tracked progression in property management strategy.
Emin’s leadership ensures a structured approach to rental property management, blending technological proficiency and real estate acumen. As a sought-after expert, he guides landlords to triple their return on investment properties through short-term rentals in his e-learning curriculum and mentorship programs.
The largest shift of wealth is happening right now, join the club and watch your portfolio flourish.
“When you combine the $5 trillion global transportation industry with an energy industry whose renewables sector is growing dramatically, you get one of the most lucrative marriages of industry yet… Follow the Money.”
Bloomberg
Get ahead of this lucrative opportunity with us and invest in the essential asset needed to make it all happen! The best investment on Earth… Earth! Own a piece of real estate history with one of our coveted properties.
Our investors are making some phenomenal returns as this energy transition unfolds and is now speeding up, and it’s not going away and it has to speed up even faster according to the International Energy Agency.
With larger parcels like this one, we are seeing unique opportunities for 25-45 year land leases with investors getting substantial cash flow and initial investments back in the first one to five years.
This property is available on a first-come first-served basis.
If you are interested in purchasing, email me back right away before it’s gone.
Please keep reading for more information or view the property video for details.
Location: Target Electric Utility Region aka Alternative Energy Capital of the World
This property is strategically located in the Antelope Valley of Southern California also known as the “Alternative Energy Capital of the World.”
It is located right next to a brand new, recently installed solar project and nearby a newly proposed solar project. It is also north of what will be the largest solar project in America, if not the world – imagine a 13 square mile development, and construction just started!
Additionally, there has been a recent proposal by Southern California Edison for new electric transmission lines in this area. This new infrastructure will be put in place in anticipation of the future projects coming into this area.
Los Angeles Department of Water and Power put in their own transmission line in 2016 in this area, and solar and wind projects started sprouting up quickly following its completion.
Land is already being bought up by solar developers here in anticipation of this new infrastructure. There are several other existing solar projects and wind projects in the area as well as new recently proposed projects. Invest in this exceptional property and reap the rewards. Watch the video for more details.
Sources of funds that can be used:
Old 401K/IRA
1031 exchange
Cash
Home equity loan
Loan from 401k
Mutual funds
Money in the stock market
Cash under your mattress (Beat inflation with land!)
Please note, if this is out of your price range, we might be able to get you on a partnership for this. We require a minimum of 25% of the purchase price, we can have up to 4 entities/partners for a syndication. If you are interested and have a specific dollar amount available just let me know and we might be able to build a partnership.
Here’s a secret – the mandated demand for energy is greater than the supply of land needed to make it happen and the land prices are only going to continue to go up, as they always have throughout history. Get in now before you are priced out of this. If you have been looking for a way to put your money to work for you, consider highly researched and quality land in the middle of a land rush.
Get in a position of “power” and own the fundamental asset that is required to create the fundamental resource we all need and use every day!
Don’t miss out on these incredible investment opportunities!
Again, these are available on a first-come first-served basis.
Please feel free to share and spread the wealth with your friends, family, and colleagues! We pay great referral fees!
Ivan Terrero, based in Florida, has been involved with Real Estate investing in various forms, including developing mobile home parks and rent-to-own financing.
Today we talk about Ivan Tererro’s current focus on Mortgage Note investing and his interest in connecting with Hispanic investors.
