Real Estate Investing Secrets That Nobody Tells You!

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The Smarter Way to Invest in Real Estate: Tiffany Alexander on Promissory Note Investing

When most people think of real estate investing, they picture rental properties, house flipping, or large apartment complexes. But what if there was a way to generate passive income from real estate without dealing with tenants, repairs, or unexpected expenses?

That’s exactly what Tiffany Alexander has mastered. In this episode of I Know A Guy, we dive into her journey from being a traditional real estate investor (and a self-described "tired landlord") to becoming a leading expert in promissory note investing, a lesser-known but powerful way to build wealth.

From Landlord Fatigue to Financial Freedom

Tiffany started her real estate career the way many do, buying, renting, and flipping properties. But over time, the challenges began to pile up. Managing tenants, dealing with late payments, fixing broken air conditioners, and handling unexpected repairs became overwhelming.

Then, at a networking event, she met someone who introduced her to the idea of owning the paper instead of the property. That conversation changed everything.

Rather than dealing with the headaches of being a landlord, Tiffany realized she could be the bank. Instead of collecting rent checks, she could collect mortgage payments from homeowners. And unlike rental properties, where landlords are responsible for maintenance and repairs, note investors have no such obligations.

What is Promissory Note Investing?

Promissory note investing is the process of buying mortgage notes, which are the loan agreements between homeowners and their lenders. When you own the note, you essentially become the lender, meaning the homeowner pays you instead of a traditional bank.

There are two types of mortgage notes:

• Performing Notes: The homeowner is paying on time. You collect monthly payments like a bank, earning passive income.

• Non-Performing Notes: The homeowner is behind on payments. Investors can purchase these notes at a discount, work with the borrower to get them back on track, or in some cases, foreclose on the property.

This investment strategy allows investors to earn strong returns with less risk and responsibility compared to traditional real estate.

Why Promissory Notes Can Outperform Rentals & Flips

Tiffany highlights several advantages of note investing over traditional real estate:

✔ Less Management: No dealing with tenants, maintenance, or property managers.
✔ Lower Risk: Since you can buy notes at a discount, your investment is secured by real property.
✔ Consistent Cash Flow: Monthly payments come in just like rent—but without the headaches.
✔ Flexibility: Investors can choose different strategies, such as buying performing notes for passive income or non-performing notes for higher returns.

Getting Started with Note Investing

For those new to note investing, Tiffany offers these key pieces of advice:

✅ Start by Learning: There’s a learning curve, so begin by researching and networking with experienced investors.
✅ Find the Right Deals: Unlike traditional real estate, you can’t just Google “buy a mortgage note.” Working with reputable sources and experienced investors is key.
✅ Understand Risk & Reward: While notes provide passive income, investors should understand their responsibilities, such as working with a servicing company to collect payments.
✅ Build a Network: Like any investment strategy, success in note investing comes from surrounding yourself with the right people.

Tiffany’s YouTube channel, Aspen Sage Fund, provides educational videos that help beginners navigate the world of note investing.

Final Thoughts

If you’ve been curious about real estate investing but don’t want to deal with the stress of property management, promissory note investing might be the perfect solution.

Tiffany Alexander has helped thousands of investors shift their approach and achieve financial freedom through smarter investing strategies. If you’re interested in learning more, you can connect with her at Aspen Sage Fund.

Watch The Full Interview Here

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