You collect interest on the full $100,000 balance, significantly increasing your effective yield.

The loan is secured by real estate, providing a safety net if the borrower stops paying. Types of Notes

If the property value drops below your investment amount, your "security" is weakened.

First position notes are paid first in a foreclosure, while "second" or junior notes are riskier but often cheaper. Key Benefits

Borrowers are making regular payments. These offer lower risk and steady, immediate cash flow.

💡 Unlike being a landlord, there are no "tenants, toilets, or termites" to manage.💰 Higher Yields: Buying at a discount creates an automatic gain in equity and a higher ROI than traditional bonds.🛡️ Asset Security: Your investment is backed by a physical asset that can be liquidated if necessary. Risks to Watch For