One lump-sum payment instead of years of monthly payments. Free quote, no obligation.
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Did you sell a property with owner financing and now collect monthly payments? You can turn the rest of those payments into cash today. CashNoteUSA buys real estate notes from private note holders across the United States: all of the note, or just part of it.
The example on the right shows how it works: the payments still owed to you become one lump sum at closing. Your borrower keeps the same terms and simply pays the new holder.
When you sell a house, land or a building and let the buyer pay you over time, you become the bank. The promissory note is the buyer’s promise to pay you, and the mortgage or deed of trust ties that promise to the property. You can keep collecting payments for years, or you can sell your right to those future payments to a note buyer.
A note buyer like CashNoteUSA pays you a lump sum now. In return, the buyer of the note receives the remaining payments. The person paying you keeps paying on the same terms; only the address where the payments go changes. Nothing about the property or the borrower’s loan terms is renegotiated.
Single-family homes, condos, townhomes and small multifamily that you sold with seller financing.
Vacant land, rural acreage and lots sold on terms, including land contracts and contracts for deed.
Manufactured homes sold together with the land they sit on.
Notes secured by retail, office, mixed-use, warehouse and other income property.
Seller financing from the sale of a business, often backed by equipment, a personal guaranty or real estate.
Notes in first lien position, and many second-position notes with good equity behind them.
Fill in the short form or call us. The basic terms are enough to start: balance, rate, payment and the property.
We review the terms and give you a no-obligation offer, for the full note and, if you like, for a partial purchase.
We verify the note: payment history, title, a property value check and the payer’s credit. You send copies of the documents.
Closing is handled through a title or escrow company. The note is assigned and you receive your funds.
Free, no-obligation quote. Most people only need the basic terms to start.
Every note is priced on its own. These are the main things a note buyer looks at, and what you can do to help:
| Sell the whole note | Sell part of the payments | Keep collecting | |
|---|---|---|---|
| Cash now | One lump sum for all remaining payments | A lump sum for a set number of payments | None; you receive payments over time |
| After that | You’re done collecting | Payments come back to you once the sold ones are paid | You keep collecting until payoff |
| Risk of non-payment | Moves to the note buyer | Shared: the buyer carries the sold payments | Stays with you |
| Fits you if | You want out completely or have a better use for all the money | You need a set amount now and want long-term income | The payer is reliable and you don’t need cash |
Not sure? Ask for a full and a partial quote at the same time and compare them side by side.
Enter your note’s original terms to see what’s still owed, how many payments are left, and, if you sold part of the payments, when they’d come back to you.
This calculator only does the math on your note’s terms. It is not an offer or a price; what a note sells for depends on the review described on this page.
| First-position note | Second-position note | |
|---|---|---|
| What it means | Your lien is the first one on the property | Another loan, usually a bank mortgage, is ahead of yours |
| If the property is sold or foreclosed | You’re paid first | You’re paid after the first loan is paid off |
| What we look at most | Equity, payment history, payer credit | Equity above the first loan, and whether the first loan is current |
Second-position notes can absolutely be sold. Bring a recent statement for the first loan so we can see the combined balance against the property’s value.
Mortgage or deed of trust? Both secure your note with the property. Which one you have depends on the state where the property is: many western and southern states, including California and Texas, mainly use deeds of trust. Either can be sold the same way.
Wraparound notes. If you sold a property that still had your own loan on it and the buyer pays you while you keep paying the underlying loan, you hold a wraparound (or all-inclusive) note. These can be sold too, but we look closely at the underlying loan’s balance, payment record and terms.
Land contracts. If you kept title until the buyer pays in full, see selling a land contract.
Many notes change hands through an estate. If you’ve inherited payments from a parent or relative, you may not know the payer or the history well, and you may prefer cash to collecting for years. That’s a common reason people contact us.
Missing something? That’s common with private notes. Start the quote anyway; we’ll tell you what’s needed. You can also upload your documents securely.
Buy another property, pay off debt, fund a business, cover medical or education costs.
No more chasing late payments, tracking escrow, or handling a default and foreclosure yourself.
Move the risk of a payer stopping payments, or of the property losing value, to the note buyer.
Keeping a performing note gives you steady income and the full interest the payer agreed to. Selling gives you money now and removes the work and the risk. Neither is right for everyone. A few questions help you decide:
the payer has paid reliably for years, you don’t need a lump sum, you’re comfortable handling a late payment or a default, and you’d like the income for the full term.
you have a better use for the money today, payments have become irregular, the payer or the property worries you, or you’d rather not manage the note, taxes and insurance follow-up for years to come.
A quote costs nothing, so many note holders simply ask for one to know their options. Talk to your tax advisor about how a sale affects your situation.
We purchase notes secured by property in every state. Find information for your state:
Seller financing from the sale of a business or equipment.
Notes secured by retail, office, industrial and multifamily property.
Private notes secured by real estate or other collateral.
Contracts for deed and installment land contracts.
For investors who want to buy performing notes.
Yes. After closing they receive a notice telling them where to send future payments. Their interest rate, payment and other loan terms stay exactly the same.
It depends on the note’s terms, payment history, equity, the payer’s credit and the property. Request a free quote with the basic terms and we’ll give you a no-obligation number.
Yes. In a partial purchase we buy a set number of upcoming payments and the rest come back to you afterwards. You can ask for a full and a partial quote at the same time.
Often, yes. A few late payments lower the price but don’t rule the note out. Tell us the history up front so the offer is realistic.
Many of them. The key is how much equity stands above the first loan and how well the payer has paid.
Nothing. The quote is free and there’s no obligation to sell.
A title or escrow company handles the closing and the assignment of the note, so funds and documents are exchanged safely.
This is the form the “Get my cash offer” buttons lead to. Fill in what you know about your note; you don’t need every detail to start. A note specialist reviews it and calls you with a written offer. No cost, no obligation.
Want to read more first? See how the note selling process works or our FAQ.
