2011

Entering the Industry

Robert Hytha entered the secondary whole-loan market and learned the business by working real non-performing note deals end to end. Those early years made the gap clear: plenty of capital and inventory, not enough clean data, consistent underwriting, or reliable resolution workflow.

2017

FIXnotes Is Founded

Rob built FIXnotes to create infrastructure for the secondary mortgage note market. A system to source, underwrite, trade, and resolve notes with consistent standards that work for both institutions and independent investors.

2021

The Mortgage Note Mastermind

Rob launched the Mortgage Note Mastermind as an advanced room for active investors. As interest grew, FIXnotes expanded education through a larger free community for newer investors, while the Mastermind became smaller, more structured, and more technical. Today the broader community is 2,104+ members, with the Mastermind focused on serious execution.

Today

The Operating System for Distressed Debt

With $71.89MM in documented client revenue and $777MM of NPL unpaid principal balance handled, FIXnotes is building the platform where inventory, analytics, and execution converge. Search, trade desk, borrower resolution, and investor development in one aligned system. The team has grown to five, including industry veteran Bill McCafferty and a remote team of A-players across the planet.

At FIXnotes, our mission is to make non-performing mortgage note investing profitable, accessible, and ethical for real estate entrepreneurs. After over fourteen years in the industry, dealing with over ten thousand notes and generating over sixty million dollars for my clients, I've put together the fastest path to success with non-performing mortgage notes using the FIXnotes System and our mortgage note mastermind.

Track Record

$58.7MM Documented revenue generated for clients
$710MM Non-performing loan UPB handled
21 Years of mortgage note investing experience

Our Vision

The operating system for distressed debt.

More than just the MLS for mortgage notes — a platform where inventory, analytics, and execution converge. FIXnotes integrates sourcing, trade desk execution, borrower resolution, and investor development into one aligned system.
The result: transparent markets, disciplined returns for investors, and fair outcomes for borrowers. Infrastructure that institutions and independents both rely on.

How We Operate

Abundance

Opportunity is plentiful. We share knowledge and grow together.

Builders, Not Speculators

We create systems and apply leverage so results compound over time.

Aligned Outcomes

Investors have the power. We use it to reach fair, sustainable resolutions.

Credibility Compounds

We keep our word, communicate clearly, and build long-term trust in every deal.

The Team

Robert Hytha

Founder & CEO
In the mortgage note industry since 2011 with 10,000+ assets handled and $71.89MM in documented revenue generated for our top client alone. Founded FIXnotes in 2017 to build infrastructure for the secondary mortgage market.

Bill McCafferty

Client Success
Full-time asset manager and note investor with 20 years of experience in residential real estate.

Rachel Lugo

Operations Manager
30+ years of experience in operations and customer success, specializing in workflow design, support operations, and data tracking systems.

Shaun Hunt

Partnerships Manager
Drives media buying, marketing strategy, and client onboarding.

Franco George Cabanela

Video Editor
Produces video content, 3D animation, and motion graphics for the FIXnotes platform.

Build your note portfolio.

Join over 2,104 investors who are building wealth through mortgage notes.