Mortgage Note Investing Weekly

The Paperstac Team
  • 4.5 (15)
  • Investing
  • Biweekly

Mortgage Note Investing Weekly helps you build your knowledge and confidence as a mortgage note investor—in 30 minutes or less. From the team behind Paperstac, the mortgage note marketplace, each episode tackles real questions from buyers and sellers. We break down the fundamentals, explore investing strategies, and share practical lessons you can apply to your next deal. Whether you’re buying your first note or growing your portfolio, join us for straightforward conversations that help you make informed decisions and build your note-investing business.

  1. Oct 23

    Mortgage Notes vs. Rentals: Cash Flow and Control (Ep. 170)

    Would you rather own the house or own the mortgage? Rick Allen and TJ Osterman compare rental property investing with mortgage note investing—and explain why the answer goes beyond the monthly payment. Drawing on experience with both strategies, they debate appreciation, cash flow, leverage, maintenance costs, and the responsibilities of being a landlord versus a lienholder. They also explore borrower defaults, property management versus loan servicing, and the trade-offs between active and more passive investing. Learn why some landlords convert rentals into seller-financed loans, why proper note structure matters, and how selling a mortgage note—or a portion of its payments—can create another exit option. Explore Paperstac: paperstac.com Follow Us On These Platforms:👇 Facebook: https://pstac.co/facebookLinkedin: https://pstac.co/linkedinTwitter:  https://pstac.co/twitterTikTok: ...

  2. Oct 16

    Funding Note Purchases with Home Equity and Life Insurance (Ep. 169)

    Finding your next mortgage note investment is one challenge. Finding the capital to buy it is another. In this episode of the Paperstac Podcast, Rick Allen and Brett Burky discuss creative funding sources for note investors, including home equity lines of credit, all-in-one mortgages, and financing secured by a life insurance policy. Brett explains how he uses borrowed capital to purchase cash-flowing assets, then combines investment income with personal income to pay down the balance before repeating the process. He also shares a personal example of using part of a $50,000 loan to purchase a partial mortgage note with monthly payments. Rick and Brett explore the risks alongside the opportunities, including borrowing costs, interrupted payments, and the importance of diversification. They explain why understanding the borrower’s story, reviewing payment history, and knowing who you’re buying from are essential parts of evaluating a deal. Topics include: • Alternative funding sources for mortgage note investments • All-in-one mortgages and velocity banking • Life insurance as collateral for financing • Partial notes and monthly cash flow • Building a portfolio through repeated purchases • Due diligence and managing non-performing notes  Explore mortgage notes at https://paperstac.com Follow Us On These Platforms:👇 Facebook: https://pstac.co/facebookLinkedin: https://pstac.co/linkedinTwitter:  https://pstac.co/twitterTikTok: ...

  3. Oct 9

    Wraparound Mortgages: Payoffs, Escrow, and Lien Releases (Ep. 168)

    Buying or selling a wraparound mortgage note? Understanding the underlying lien, payoff process, and lien release is an essential part of evaluating the deal. In this episode of the Paperstac Podcast, Rick Allen and TJ Osterman explain how wraparound mortgages work and discuss what happens when a seller-financed note has an existing senior loan. Rick walks through the escrow process described in the episode, including requesting payoff figures, coordinating lien releases, and handling delays before seller funds are released. The conversation also explores substitution of collateral, partial releases for subdivided land, and why title research matters when buying mortgage notes. Whether you invest in performing notes, originate owner-financed loans, or sell land notes, this episode helps you understand the questions to ask when a wrap enters the transaction. Topics include: Wraparound mortgages and lien positionUnderlying loan payoffs and lien releasesEscrow coordination and seller fundingPayoff expiration dates and daily interestSelf-directed IRA custodian delaysSubstitution of collateralPartial releases for subdivided landTitle research and note buyer due diligenceExplore Paperstac: https://paperstac.com Follow Us On These Platforms:👇 Facebook: https://pstac.co/facebookLinkedin: https://pstac.co/linkedinTwitter:  https://pstac.co/twitterTikTok: ...

  4. Sep 25

    Adding Mortgage Notes to Your Real Estate Investing Strategy (Ep. 167)

    Real estate investors already have one of the hardest note-investing skills: understanding the collateral. In this episode, TJ Osterman and Rick Allen break down why the jump from real estate investing into mortgage notes can be a natural next step for wholesalers, flippers, landlords, and investors looking for another tool in the toolbox. They cover how real estate experience helps with valuing properties, reading neighborhoods, planning exits, and underwriting the downside if a note goes non-performing. They also dig into what real estate investors still need to learn: borrower stories, payment history, note terminology, servicers, attorneys, boots-on-the-ground teams, and how performing and non-performing notes behave differently. TJ and Rick also share stories from their own transition into notes, including early low-balance non-performing deals, missed opportunities, seller-financed exits, land notes, and why owner financing can create new options for investors who already know how to source real estate deals. If you are a real estate investor wondering whether mortgage notes belong in your strategy, this episode gives you a practical starting point. Topics include: Why real estate investors have an advantage in note investingUnderstanding collateral, value, and exit strategiesPerforming vs. non-performing notesUsing notes as another tool instead of an all-or-nothing pivotTurning rentals into seller-financed notesWhy live deal review is one of the best ways to learnHow Paperstac can help investors study, compare, and source note opportunitiesFollow Us On These Platforms:👇 Facebook: https://pstac.co/facebookLinkedin: https://pstac.co/linkedinTwitter:  https://pstac.co/twitterTikTok: ...

  5. Sep 18

    Using AI for Note Research, Documents, and Daily Work (Ep. 166)

    How is artificial intelligence changing mortgage note investing and real estate? In this episode of the Paperstac Podcast, Rick Allen and TJ Osterman break down practical ways note investors can use AI tools such as ChatGPT, Claude, and Gemini to save time, improve decision-making, and operate more efficiently. They explore how AI can help investors: • Research unfamiliar topics and understand complex note terminology • Write clearer emails and stronger mortgage note listings • Analyze loan documents, payment histories, servicing notes, and collateral files • Review assignments, title documents, and potential gaps in the chain of title • Evaluate nonperforming mortgage notes and possible loan outcomes • Automate everyday tasks using email, Slack, Asana, Google Drive, and other business tools • Build an AI assistant that functions like a digital chief of staff Rick and TJ also share how Paperstac is incorporating AI-powered document organization, data extraction, and loan-file analysis into its mortgage note trading platform. Whether you’re an experienced note investor or just learning how to buy and sell mortgage notes, this conversation offers practical ways to begin using AI without becoming overwhelmed. The key takeaway: start small, ask questions, and always verify the results. Learn more about buying and selling mortgage notes at https://paperstac.com. Follow Us On These Platforms:👇 Facebook: https://pstac.co/facebookLinkedin: https://pstac.co/linkedinTwitter:  https://pstac.co/twitterTikTok: ...

  6. Sep 11

    Pricing Mortgage Notes: Balancing Price and Speed (Ep. 165)

    Pricing a mortgage note is not just about picking the highest number. It comes down to seller motivation, market timing, buyer demand, asset quality, and how quickly you need to move. In this episode of the Paperstac Podcast, TJ and Rick Allen break down how sellers should think about pricing expectations when listing notes, why some assets move quickly while others sit, and how the trade-off between speed and price can shape the entire transaction. They also discuss Paperstac’s Trade Desk, the Paperstac Price Predictor, year-end motivation, decision-maker delays, buyer offer strategy, and why realistic pricing can help sellers avoid missed opportunities. Topics covered: Why seller motivation matters when pricing mortgage notesHow speed affects the price buyers are willing to payWhy some notes sell above parWhat causes a note listing to sit without offersHow buyers should think about making offersWhy year-end timing can create opportunitiesHow opportunity cost impacts note-selling decisionsHow Paperstac’s Trade Desk supports both buyers and sellersIf you have a note, portfolio, or unique debt-related opportunity you want to discuss, reach out to the Paperstac team. Learn more: https://paperstac.com Follow Us On These Platforms:👇 Facebook: https://pstac.co/facebookLinkedin: https://pstac.co/linkedinTwitter:  https://pstac.co/twitterTikTok: ...

  7. Sep 3

    Balancing Yield and Risk in Note Investing (Ep. 164)

    Rick Allen and TJ Osterman are back on the Paper Stack Podcast to talk about balancing yield and risk in note investing. In this episode, they dig into why chasing an 18% target yield can sound attractive, but often comes with added risk, more defaults, thinner equity, smaller-balance assets, or heavier servicing and workout demands. They also explain why experienced investors may prefer steady “base hit” performing notes in the 8-10% range when the borrower profile, equity position, collateral file, and exit options are strong. Rick and TJ cover loan-to-value, borrower credit, down payments, collateral review, performing versus non-performing loans, portfolio balance, and why liquidity matters when you may need to retrade a note later. The takeaway: don’t step over a solid deal just because it does not hit a flashy target yield. A balanced portfolio can create steadier cash flow, reduce stress, and still leave room for higher-yield opportunities. This episode is for educational purposes only and is not financial, legal, or investment advice. Follow Us On These Platforms:👇 Facebook: https://pstac.co/facebookLinkedin: https://pstac.co/linkedinTwitter:  https://pstac.co/twitterTikTok: ...

  8. Jul 24

    Writing Better Mortgage Note Listings with AI (Ep. 163)

    How much does your listing description really matter when you're selling a mortgage note? In this episode, Brett Burky and TJ break down one of the most overlooked opportunities for note sellers: creating listing descriptions that actually capture buyer attention. They discuss why generic, one-line descriptions leave money on the table and how today's AI tools can help sellers build compelling, informative listings in just minutes. A well-written listing isn't just about sounding professional—it's about answering the questions buyers are already asking, highlighting the strengths of the asset, and increasing engagement before the first conversation ever happens. Whether you're listing your first note or your hundredth, you'll learn practical ways to use AI to create descriptions that save time, improve consistency, and help your assets stand out in a crowded marketplace. In this episode: Why listing descriptions have a direct impact on buyer interestThe biggest mistakes sellers make when describing assetsHow AI can quickly generate high-quality listing descriptionsWhat information buyers actually want to seeTips for editing AI-generated content so it sounds natural and accurateHow better descriptions can lead to better conversations with investorsIf you're selling mortgage notes, land notes, or other private debt investments, this episode will help you present your assets more effectively and attract more qualified buyers. Subscribe for more episodes covering mortgage note investing, note trading, private lending, seller best practices, and technology that helps investors make smarter decisions. Learn more about Paperstac: https://paperstac.com #MortgageNotes #NoteInvesting #Paperstac #PrivateLending #MortgageNoteInvesting #AI #ArtificialIntelligence #RealEstateInvesting #SellerTips #LoanTrading #DebtTrading #FinTech #PropTech #LandNotes #PrivateNotes Follow Us On These Platforms:👇 Facebook: https://pstac.co/facebookLinkedin: https://pstac.co/linkedinTwitter:  https://pstac.co/twitterTikTok: ...

See All (169)

Ratings & Reviews

4.5
out of 5
15 Ratings

About

Mortgage Note Investing Weekly helps you build your knowledge and confidence as a mortgage note investor—in 30 minutes or less. From the team behind Paperstac, the mortgage note marketplace, each episode tackles real questions from buyers and sellers. We break down the fundamentals, explore investing strategies, and share practical lessons you can apply to your next deal. Whether you’re buying your first note or growing your portfolio, join us for straightforward conversations that help you make informed decisions and build your note-investing business.

Information

  • Creator
    The Paperstac Team
  • Years Active
    2020 - 2026
  • Episodes
    169
  • Rating
    Explicit
  • Copyright
    © 2026 Mortgage Note Investing Weekly
  • Show Website
    Mortgage Note Investing Weekly

You Might Also Like