Or if someone can help me generate leads that would be appreciated. I buy mortgage /business notes, settlements, lottery winnings, and annuities.
Posts Tagged ‘Notes’
Are Cash Flow Notes for Sale a Safe Investment?
07
Nov
Cash flow notes for sale offer a variety of investment opportunities. Presently, more than sixty types of cash flow notes exist. The most common types include real estate, land contracts, seller carry back mortgages, business notes and structured settlements.
Buying cash flow notes for sale can be beneficial for all parties involved. However, it is crucial to engage in due diligence and obtain appropriate legal documentation. Doing so will ensure a safe and profitable investment opportunity.
Real estate cash flow notes are secured by tangible property. Nearly any type of real estate can be used to secure real estate notes including single and multi-family dwellings, manufactured or mobile homes, condominiums and apartment buildings, commercial properties and raw land.
Investing in real estate cash flow notes can be risky. Financial experts recommend retaining the services of a real estate attorney to ensure proper documentation of transactions. Considering today’s economic recession and downturned housing market, careful consideration should be given when purchasing real estate notes.
Business notes are a popular choice for investors. Three primary types of business cash flow notes exist including: Factoring, purchase order funding, and seller carry back financing. Each type uses business assets as collateral.
Factoring involves using accounts receivables to secure the business note. Receivables are sold to a funding source referred to as the ‘Factor’. Factors can be a private investor, group of investors, or lending institution.
Purchase order funding is similar to factoring. The only difference is customer purchase orders are used as collateral to secure the note.
Seller carry back financing is one of the more popular types of cash flow notes for sale. Seller carry back financing is used to fund both business and real estate transactions. With the current economic recession, investors, business owners and property owners are turning to seller carry back financing.
Using seller carry back financing, owners carry all or part of the financing. Some owners finance a percentage of the purchase price while others will carry all of the financing. Seller carry back cash flow notes can be sold to investors in exchange for lump sum cash.
Another popular cash flow note investment is that of annuities. Structured settlements are used to compensate individuals who have been injured due to negligence or those who win jackpot lotteries.
Structured settlements are paid over a specific period of time through annuity payments which are backed by life insurance companies. Individuals who receive annuities can sell all or part of their payments to a private investor of funding group.
Annuitants must obtain court authorization to sell annuity payments. In most cases, structured settlement payments are arranged to provide Annuitants with financial security. Therefore, a true need to sell the structured settlement must be provided to the judge. Courts will not approve the sale of annuity payments if they feel it will cause financial harm.
Investors interested in investing in cash flow notes for sale should take time to become familiar with the process and types of cash flow notes available. Doing so will ensure investors obtain a good return on their investment.
Settlements, Notes, and Lotteries OH MY
21
Sep
Owning a financial instrument which involves receiving a large amount of money in small deferred payments doesn’t necessarily mean that there are no other options when it comes to utilizing the full value of such instrument. There are several monetary packages which offer small deferred payments according to every situation. The most popular are structured settlements, mortgage or business notes and lottery winnings.
Understanding how each one works is crucial to invest or utilize such funds. One characteristic that all these monetary packages have in common is that they are not paid in full through a lump sum, they are paid periodically through small payments until the full amount of such financial instrument has been delivered.
As bad as they may sound in terms of fund availability, each package has it’s useful features ad well as disadvantages. Lets start by explaining what each instrument represents and how they work.
Structured Settlements:
A cash structured settlement occurs when an insurance company provides small schedule payments resulting from the settlement of a personal injury lawsuit or claim settlement. This type of monetary package was first introduced during the early seventies in Canada and then spreading quickly to the United States, Australia and Europe. The reason this payment method is widely used in the US is that it provides tax free installments over a period of time.
Mortgage and Business Notes:
These type of monetary instruments are acquired after the sale of a property or business which results in small payments from buyers. Selling a business note doesn’t necessarily involve selling property as part of the deal, the only object transacted is the business itself. Historically Businesses have a high failure rate and business note holders end up taking back the note, that is the reason why getting a loan approved for the purchase of a business is more difficult than having a loan approved for the purchase of a property.
Lottery Winnings:
Depending on which State you reside in, lottery winnings may be subject to federal, state, and/or local income taxes, depending on jurisdiction requirements. It is widely known that there two payment methods are offered when trying to collect lottery winnings, they are lump sum and periodic installments.
Depending on the type of note you hold you may want to utilize a considerable amount of capital in different ways. The top 5 reasons financial instruments holders may want to get a lump sum payment are:
1. To Eliminate Debt
2. To invest or buy real estate
3. Paying for medical emergencies
4. To fund and plan a child’s education
5. Or just to have enough money to take an amazing vacation
Receiving a lump sum installment basically means that a one time amount will be paid to the recipient instead of breaking the the total of such monetary instrument down into multiple payments over an established period of time. As you can see having a large payment is beneficial in many ways which can definitively help solve financial problems.
Notelinkers.com – Sell Your Mortgage Cash Flow Notes
17
Sep
NoteLinkers Brokerage (NoteLinkers.com) is a Note Brokerage Service providing a direct link between Noteholders that wish to sell their cash flow notes and Qualified Investors that wish to buy them…