SimpleNotes.net provides educational information about real estate notes, private lending, and cash-flow strategies. All content is for informational and educational purposes only. Nothing on this site should be interpreted as:
You should always consult qualified professionals before making investment decisions.
SimpleNotes.net is not a registered investment advisor, financial planner, broker-dealer, CPA, law firm, or securities dealer.
Any examples or case studies shown are provided for illustration only and should not be relied upon to make investment decisions.
Nothing on this website constitutes an offer to sell or a solicitation to buy securities, real estate, or investment products. Any investment opportunities mentioned are intended only for individuals who meet SEC guidelines for Accredited Investors and will only be presented through proper private channels, with required disclosures and agreements.
No part of this website should be considered general solicitation or advertising for the sale of securities.
Certain materials and examples on this site may reference investment strategies involving private real estate notes or passive cash flow.
These opportunities are only for Accredited Investors as defined by the U.S. Securities and Exchange Commission (SEC).
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Any income examples, profit projections, interest rates, returns, or testimonials are not guarantees of future performance.
Real estate and note investing involves risks, including but not limited to:
Past performance does not guarantee future results.
Testimonials, success stories, or case studies represent the experiences of individuals and do not guarantee that you will achieve the same results. Some individuals may have received compensation or other benefits.
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For Accredited Investors – SimpleNotes.net
Investing in real estate notes involves risk. By reviewing or participating in any investment opportunities offered through SimpleNotes.net, you acknowledge that you understand and accept these risks. The information presented on this website is for educational and informational purposes only and does not constitute an offer to sell or a solicitation to buy any security. Investments are available only to accredited investors who are financially sophisticated and capable of evaluating and bearing the economic risks of such investments.
Nothing on this website should be interpreted as investment, legal, accounting, or tax advice. All investors should conduct their own independent analysis and consult with their professional advisors before making any investment decision.
Below are the primary risks associated with purchasing or investing in real estate-secured notes, including performing notes, non-performing notes, and seller-financed notes. These risks are not exhaustive. Additional risks may apply based on property type, borrower profile, local market conditions, or transaction structure.
The value of the underlying property securing a note may fluctuate due to changing market conditions, economic cycles, local demand, supply shifts, interest rate changes, or neighborhood-level events. Declines in property value may reduce the equity protecting the note, increase borrower default risk, or negatively impact recovery in the event of foreclosure.
Borrowers may fail to make payments on time or may stop paying altogether. Default can result in missed income, legal proceedings, foreclosure costs, property deterioration, or extended timelines for recovery. Even well-qualified borrowers may experience job loss, health issues, financial hardship, or other unexpected events.
The physical condition of the property affects both the borrower's willingness to pay and the note's collateral value. Deferred maintenance, hidden damage, major system failures, or environmental hazards may reduce recovery value if foreclosure becomes necessary. An investor may receive the property back in poor or deteriorated condition.
Notes are generally considered illiquid investments. There is no guarantee that a note can be sold quickly or at a desired price. A discount may be required to sell a note on the secondary market, or it may remain unsold for an extended period. Investors should expect to hold notes for their full duration.
If a borrower defaults, the foreclosure process may be lengthy, costly, and unpredictable. Court schedules, legal extensions, bankruptcy filings, borrower disputes, or state-specific timelines may significantly delay resolution. During this period, investors may receive no payments.
Borrower bankruptcy can significantly delay or reduce investor recovery. Bankruptcy courts may impose automatic stays, repayment plans, reduced terms, or revised payment schedules. Recovery may take months or years, and investors may receive less than the full amount owed.
Professional loan servicers play a key role in processing payments, maintaining records, handling escrow, communicating with borrowers, and managing defaults. Servicer errors, delays, misapplied payments, regulatory non-compliance, or operational failures can negatively impact investment performance.
Defects in title, unreleased liens, recording errors, judgments, or other clouds on title can impair an investor's security interest. If issues are not properly addressed, an investor may lose priority position or face legal challenges. Title insurance may not cover all defects, and remediation may be costly or time-consuming.
Federal and state laws governing real estate lending, consumer protection, foreclosure, and investor advertising can change. Changes in regulations may alter timelines, costs, or procedures and may increase compliance responsibilities.
All financial projections, yields, examples, and future performance statements are illustrative only. Past performance does not guarantee future results. No yield, income stream, payment schedule, or outcome is guaranteed.
By reviewing investment opportunities or engaging with SimpleNotes.net, you acknowledge and agree that:
For questions regarding these disclosures or any investment materials, please contact:
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