Mortgage Note Investing Weekly

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 no...

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 d...

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, t...

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, collater...

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...