Blog

The FIXnotes blog covers the full mortgage note investing lifecycle — sourcing assets from banks, credit unions, and secondary-market brokers; reading data tapes and pricing performing and non-performing loans; running due diligence on collateral, borrower, and title.

Article Listings

  1. How to Close a Mortgage Note Purchase: The Complete Post-Funding Checklist
    June 12, 2026 · Robert Hytha
    Step-by-step closing process for mortgage note purchases — LPSA execution, wire transfer, collateral audit, assignment recording, and servicer boarding.
    Link

  2. Structuring a Loan Modification
    June 11, 2026 · Ep. 43 · 6 min
    Most note investors know a loan modification is the goal — but knowing how to structure one that the borrower can actually stick to is what turns a.
    Link

  3. Don't Get Played in NPL Deals: Know This Number
    June 10, 2026 · Robert Hytha
    NPL broker fees should be 1-3% of the contract price, not 10-15%. How to calculate your all-in cost and avoid overpaying on non-performing note deals.
    Link

  4. The Mini Miranda: What Every Note Investor Must Include in Borrower Letters
    June 9, 2026 · Robert Hytha
    The Mini Miranda is a mandatory FDCPA disclosure in every borrower letter. Missing it exposes note investors to federal liability and counterclaims.
    Link

  5. How to Make a No-Risk Bid on a Mortgage Note
    June 8, 2026 · Robert Hytha
    No-risk mortgage note bids: structure offers with contingencies that let you walk away if due diligence reveals problems with the asset.
    Link

  6. How to Diversify with Notes and Rental Properties
    June 5, 2026 · Robert Hytha
    Diversify with mortgage notes and rental properties. Compare cash flow, risk profiles, and how each asset class strengthens your portfolio.
    Link

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(Additional articles follow in the same format)

Conclusion

The blog serves as a comprehensive guide for note investors, covering critical areas such as due diligence, loan modifications, property valuation, and strategic insights for managing non-performing loans. Each article is structured to provide actionable advice and resources for both new and experienced investors.