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Promissory Notes

October 27, 2012

Real Estate IOU

Simon Volkov

A lot of sellers are using an owner financed real estate IOU to attract buyers willing to pay their asking price. Although the real estate market has experienced a slight upturn, finding qualified buyers remains a challenge.

When property owners secure loans with seller financed real estate IOU they act as the lender. A mortgage or trust deed is drawn up and filed with the County Recorder's office. If buyers default on the terms of the note the seller can initiate foreclosure and repossess the property.

Just as banks are allowed to sell mortgage notes to another bank, property owners can sell seller carry back trust deeds to private investors or investment groups. This is common practice amongst investors and is a good approach for those in need of quick cash.

Real Estate Investing article on "Real Estate IOU "

September 20, 2012

Tips For Finding Cash Flow Notes

Simon Volkov

There are three methods for finding cash flow notes. These include searching public records, using a list service, or building an email list. Each requires dedication to the task at hand, along with plenty of research.

It's advisable to study each strategy for finding cash flow notes to determine which method is best suited for your personal needs. Some investors focus solely on one approach, while others make use of each strategy.

Searching public records is very popular, but does require an immense amount of time. The upside is that many counties are making use of technology which lets them provide online access to public records.

Real Estate Investing article on "Tips For Finding Cash Flow Notes"

January 06, 2012

Promissory Notes

Simon Volkov

Promissory notes are needed to document details about financial transactions. They are used to provide lenders with legal records that can be used as evidence in court if borrowers default on loan terms.

Promissory notes are used with most kinds of loans, including personal, business, auto, and real estate. They can be used by family members, friends, business partners, mortgage lenders, auto financing companies, credit card companies, or any other person or entity that extends credit.

People can create their own document by making use of preformatted promissory note templates or using online services such as those offered at LegalZoom. Of course, it's always a good idea to have a lawyer review forms to make certain they are legally binding in the event of loan default.

Real Estate Investing article on "Promissory Notes "

January 14, 2011

IOU Note

Simon Volkov

An IOU note is commonly used to record the promise to pay a debt. This document can be used amongst family and friends and when borrowing money from a bank or credit union. When banks issue IOU notes, the document is referred to as a promissory note.

The IOU note records pertinent information about the loan. It should include the names and contract information for the borrower and lender, total amount of funds borrowed, installment amounts and dates, interest rate, and maturity date. Financial institutions usually include a default clause which states what action will be taken if borrowers default on the loan agreement

Real Estate Investing article on "IOU Note "

April 05, 2010

Sell Real Estate Note

Simon Volkov

Many people are electing to sell real estate note in order to break even on their investment. Others need to sell realty notes in order to obtain a lump sum of cash to pay off credit cards and outstanding debts or to fund the purchase of another investment property. Regardless of the reason, note holders need to follow legal protocol to protect their interest.

When note holders sell real estate note, both the buyer and seller are legally obligated to fulfill their end of the bargain. Before property transfer can occur both parties must submit required documents to the court to record the transfer. It is best to work with a real estate attorney to ensure all aspects of the realty contract adhere to federal, state and local laws.

Real Estate Investing article on "Sell Real Estate Note"

March 05, 2010

Cash Notes for Sale

Simon Volkov

Cash notes for sale are a type of investment product consisting of legal contacts for land, property, business assets and financial notes. Cash notes are secured by real property or legal tender that can later be sold for profit.

A variety of cash notes for sale exit. The most common include: real estate notes and land contracts, seller carry back trust deeds, structured settlements and annuities. Investing in cash flow notes can be profitable for investors that engage in due diligence and understand the process involved.

Real Estate Investing article on "Cash Notes for Sale"

December 08, 2009

Mortgage Notes

Simon Volkov

Mortgage notes are used to record the terms of a bank note issued to purchase real estate. These legal contracts document the amount of funds borrowed, interest rate, property location, and contact information for parties responsible for repaying the loan.

Mortgage notes can be sold to cash flow notes buyers or private real estate investors. Many reasons exist for selling real estate notes. The most common include obtaining a lump sum of cash to finance college tuition, pay off credit cards, medical expenses or unsecured debts.

Real Estate Investing article on "Mortgage Notes"

July 21, 2009 | Comments: 1

Mortgage Buyers

Simon Volkov

The term 'mortgage buyers' refers to investors who purchase monetary notes such as mortgages, promissory notes, land contracts and trust deeds. Individuals who own monetary notes can sell them in whole or part in exchange for a lump sum of cash.

When mortgage buyers purchase real estate notes and land contracts, the note holder assigns ownership rights by executing an assignment of mortgage. Typically, a real estate lawyer is required to execute the document and ensure both parties are legally protected in the event of default.

Real Estate Investing article on "Mortgage Buyers"

July 10, 2009 | Comments: 12

Owner Will Carry

Simon Volkov

Owner will carry is a becoming a popular way to finance the purchase of real estate. With the current credit crunch, many sellers are now offering to finance all or a portion of the purchase price in order to attract buyers. Also referred to as seller carry back, this type of financing is beneficial to both buyers and sellers.

Sellers who offer owner will carry financing open the doors to more buyers. Since many people are unable to qualify for a traditional mortgage loan, seller carry back provides buyers with the opportunity to purchase property without obtaining funding through a bank.

Real Estate Investing article on "Owner Will Carry"

December 01, 2008

Cash Flow Notes for Sale

Simon Volkov

Investing in cash flow notes for sale can provide investors with a relatively secure investment opportunity. There are numerous types of cash flow notes including business notes, real estate notes, land contracts, owner will carry financing, and structured settlements.

All types of real estate can be backed with cash flow notes for sale. In fact, realestate notes are the most common type of cash flow note investment. Property owners can sell their real estate holdings in whole or part, using the property as collateral with promissory notes.

Real Estate Investing article on "Cash Flow Notes for Sale "