"We're Here To Help You Unlock Value!"

Special Report: The 5 Biggest Mistakes Note

Owners Must Avoid!

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PCG - Special Report: The 5 Biggest Mistakes Note Owners Must Avoid

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Dear Friend,

Although you are reading this report, it's possible we have yet to meet. Therefore, I don't know why you carried back (i.e., took on) your note.

I find that there are usually two reasons why a note has been carried back:1. To create life-time passive income. Someone knew exactly what they were getting

themselves into and understood that BEING THE BANK is THE best seat at thetable. They did NOT have a need for a lump sum of cash from their sale.

2. As a last resort to sell a property. Originally, someone wanted to "cash out" 100%and move on with their life. They had no intentions of "being in bed" with someonewho they did NOT know very well, and no intentions of waiting for their money totrickle in. They had a need for a lump sum of cash from their sale and their dreamwas crushed.

Well, either way, at this point the reason does NOT matter.

So, congratulations! You are the (proud) owner of a financial asset that "should" provide passive income for years to come, if it was properly created and is properly managed.

Unfortunately, creating your note was just the beginning!

Continue Reading to Learn the 5 Biggest Mistakes You Must Avoid to Protect Your Precious Asset!

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Special Report: The 5 Biggest Mistakes Note Owners Must Avoid

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Special Report: The 5 Biggest Mistakes Note Owners Must Avoid

...................................................Mistake #1

NOT Ensuring That Property Taxes And Insurance Funds (an Escrow) Have Been Set Aside

Most properties are purchased using bank financing, and there is something called an escrow account.

Banks provide escrow services to borrowers to ensure that property taxes and insurance are being paid on time.

The value of your note depends on if the property taxes are current.

The value of your note also depends on the value of the property.

Obviously, insurance must be maintained just in case something happens.

If the property burns down and the borrower does NOT have insurance, your note is basically worthless at that point!

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Special Report: The 5 Biggest Mistakes Note Owners Must Avoid

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Mistake #2

NOT Consistently Communicating With Your Borrower

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Banks send out monthly statements (and so should you!) with the following:

• Current mortgage balance• Current interest rate• Amount remaining on the mortgage term• Amortization• Contact information for the mortgage holder (you)

There are legal documentation requirements to demonstrate that at all times you have properly communicated the status of your loan with the borrower.

Know the Fair Debt Collection Laws and reporting requirements in your state!

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Special Report: The 5 Biggest Mistakes Note Owners Must Avoid

...................................................Mistake #3

NOT Reporting To The I.R.S.

Yes, good ol' Uncle Sam!

At the end of each year, by law, you must send your borrower a mortgage interest statement: Form 1098.

Form 1098 is a form filed with the IRS by the note holder that details the amount of interest and other related expenses paid on the note during the tax year.

You must also keep a detailed account of the interest you receive and report it to the IRS on your taxes as well.Make sure you understand the reporting rules and dates to stay compliant with Uncle Sam!

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Special Report: The 5 Biggest Mistakes Note Owners Must Avoid

...................................................Mistake #4

NOT Properly Managing Delinquent Payments

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When you originally carried back your note, I know you did proper due diligence.

When someone is considering buying your note, your borrower's note payment history is much more important than his/her credit score.

Investors want to see that your borrower pays the mortgage over all other bills!

When it comes to your borrower's bills, your note is the only bill you have influence over - the other stuff you can't control.

Therefore, you need to pursue all delinquent payments aggressively by phone or mail in accordance with the law. (Warning: make sure to know your state's Fair Debt Collection Laws!)

A spotty payment history is one of the biggest note-value killers besides Mistake #5 below!

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Special Report: The 5 Biggest Mistakes Note Owners Must Avoid

...................................................Mistake #5

NOT Being Prepared To Work Things Out If Something Goes

Wrong

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Sorry, I don't mean to be a Debbie Downer or think that the glass is half empty but we all know that $%$#@ happens.

Although most people are good, honest, hardworking and pay their bills, the unexpected can happen:

• The loss of a job• A serious illness• A huge medical bill

So, understand and be prepared to work things out until your borrower is back on his/her feet!

When someone is no longer paying on a note and the note is in default, it is considered a non-performing note. A non-performing note is NOT worthless, but until the borrower is paying again, it could be worth only 10 - 15% of its original value.

Your note's payment history will reset to zero when it becomes non-performing. A stable payment history will protect your asset!

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Special Report: The 5 Biggest Mistakes Note Owners Must Avoid

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Mistake #6 (BONUS)

NOT Having A Relationship With A Trusted And Qualified

Note Advisor Like PCGIf you are like most note holders, your note is a very important part of your investment portfolio. You can NOT afford to lose it!

Therefore, I highly recommend you don't just wing it!

You should understand how to properly manage your note so that it maintains its value.

Part of managing your note, like any investment, is having a clear exit strategy. It's important to have an understanding of how you plan to unlock all or a portion of your note's value (called a partial note sale) for when that emergency (Mr. Rainy Day) arrives.

Prepare for Mr. Rainy Day!

CLICK HERE==> Contact us TODAY and request a FREE no-obligation Note Analysis.

Your Patient Capital Group Advisors"We're Here To Help You Unlock Value!"

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