Frequently Asked Questions

SimpleNotes.net helps investors earn predictable monthly income by investing in real estate notes secured by actual properties. We specialize in sourcing, structuring, and managing performing notes backed by real estate.

A real estate note is a legal agreement where a borrower repays a loan secured by real property. When you invest in a note, you essentially step into the role of the lender and receive the monthly payments—including interest.

Yes. All notes offered through SimpleNotes.net are backed by a recorded security instrument—either a mortgage or deed of trust—tied to real estate.

Returns vary depending on the note, but many investors pursue secured double-digit passive returns. These returns are not guaranteed and depend on the specific opportunity, borrower performance, and market conditions.

No. Most offerings are available only to Accredited Investors under SEC guidelines. If you're not sure whether you qualify, we can help walk you through the criteria.

In general, an Accredited Investor is someone who meets at least one of the following: • Income of $200,000+ individually or $300,000+ jointly for the past 2 years • Net worth of $1,000,000+, excluding primary residence • Certain licensed financial professionals (Series 7, 65, or 82)

Simple: 1. Join our Investor List 2. Receive curated note opportunities 3. Review the investment summary 4. Ask questions 5. Complete paperwork and fund the deal We walk with you every step of the way.

The minimum investment ranges from $25,000 to $500,000, depending on the size, collateral, and structure of the note.

All investments involve risk. Real estate notes mitigate risk by being secured by real property with equity protection. We focus on conservative loan-to-value ratios to enhance investor safety.

We source notes through: • Direct relationships • Owner-financed notes • Distressed property acquisitions • Trusted real estate partners across multiple markets

No, but we have servicing partners who professionally service notes to: • Collect payments • Track balances • Handle late fees • Provide monthly reporting to you • Manage escrow (where applicable)

Absolutely. Many investors use SDIRAs and ROTH IRAs to generate tax-advantaged passive income.

Yes. Many of our notes have attractive LTVs and yields, making them desirable within our investor network. Depending on the note, market conditions, and other factors, your note may be sellable quickly—either at a discount or at face value, depending on the terms.

If a borrower defaults, the note's security instrument allows the lender (you) to: • Work out a payment plan • Modify the note • Take back the property through foreclosure We help guide the process to protect your investment.

Most notes pay monthly, providing steady passive cash flow.

New opportunities are shared directly with our private investor list. Join on our homepage to get access.

No. We do not pool investor money. You invest directly in individual notes, one opportunity at a time.

Investors choose us because we focus on: • Simplicity • Transparency • Security • Predictable cash flow • Hands-on experience in note creation and real estate investing Our goal is to help you build long-term, stable income backed by real assets.