The Truth About Selling a Real Estate Note (No One Talks About)

What Most Investors Won’t Tell You (But You Deserve to Know)

Selling a real estate note isn’t just about cashing in. For many, it’s emotional. It’s confusing. Sometimes it’s downright scary. Chances are you’ve spent more than a few nights asking, “What if I make the wrong choice?”

You’re not alone. There are a lot of so-called experts out there promising fast cash, simple solutions, and no-hassle deals. But very few stop to ask you: What’s really on your mind? What does this note mean to you? And what will it take to feel truly comfortable letting it go?

Book-style cover titled 'The Truth Behind the Note' with a rustic background, symbolizing honesty, emotional stories, and guidance in selling real estate notes.

Turn on any ad or investor pitch and you’ll hear things like:

  • “Fast cash for your note!”
  • “No waiting, no nonsense!”
  • “Sell your note in 3 days or less!”

It all sounds good. Too good, sometimes. I’ve seen it myself — a slick promise without a shred of human concern behind it. As Ron LeGrand once said, “Never make promises that you can’t keep.” That quote has stuck with me. And truthfully, I’ve probably been guilty of using a few of those buzzwords early on too. But there’s a big difference between selling a note and selling someone out of their peace of mind.

Selling a note is personal. It’s not just paper. It’s your trust, your risk, your sacrifice. Many note holders carry a note for years — watching the market shift, worrying about the buyer defaulting, wondering what happens if their financial life suddenly changes.

And for some, it’s not just risk — it’s survival. Medical bills. Divorce. Lost jobs. Aging parents. That monthly payment you’ve depended on starts to feel less secure… and more like a burden.

This is the part most investors don’t talk about. The life behind the note. The story behind the seller. These are what I call “Dead Man’s Stories” — stories that can never be told because the people who lived them take them to the grave. Stories full of quiet pain, unspoken love, and hard choices. And yet, they’re written in the margins of every note.

I’ve got one of my own. I was 16 years old when I had my jaw broken in a boxing match and spent six weeks with my mouth wired shut. My doctor had given me a pair of side cutters — just in case. I was told over and over again not to train — but one day, stubborn as ever, I went for a five-mile run anyway. I didn’t bring the cutters with me.

I remember the houses were far apart, out on a lonely country road in Wheatland, Wyoming. I don’t remember ever being more afraid for my life than I was that day. Mid-run, I got sick and started to throw up. With my mouth wired shut, I had no choice but to swallow it — again and again — because I had no way to cut the wires. If I hadn’t made it back home, no one would have ever known what happened. That moment could’ve ended me.

That’s a Dead Man’s Story. And I survived it — just like so many people out there holding a note are surviving things no one knows about.

If you’re feeling uneasy or unsure, let me say this clearly: It’s okay. You’re not wrong to hesitate. You’re not foolish for wanting to protect yourself. You’re not weak for needing clarity.

I’ve been there — in moments of fear and uncertainty, unsure if I was making the right move. I remember what it’s like to face pain that no one else can see. That’s why I lead with empathy and truth, not pressure or flash.

My goal isn’t to push you. It’s to guide you. Whether we work together or not, I want you to feel peace in your decision.

That’s why I created Quote For Your Note.

When we talk, you’ll see me live on Zoom, walking you through the process step-by-step. You’ll watch me fill out the form — nothing hidden. No smoke. No mirrors. Just the facts, the numbers, and the heart behind them.

This is your note. Your decision. Your timing.

If I can give you a fair offer that works, great. If not, no hard feelings. I’ll still do everything I can to educate and empower you.

Maybe you’re holding onto your note because it feels like the last thread of something meaningful. Maybe you’re just scared to lose what little financial security you have left. Either way, I’m here for you.

If you’re ready to talk, I’m ready to listen. If not today, maybe one day down the road. There’s no pressure here — just an open door.

And if you’re ever creating a new seller-financed deal, I’d love to help you structure it for maximum value and safety. Education is power, and I’m here to share what I know.

You’re the hero of this transaction — I’m just here to guide you.

Before I go, let me answer one more question I hear all the time: “What if I sell my note and regret it later?” That’s a fair concern, and the truth is — not every note needs to be sold right away. I always encourage people to weigh their options, talk to trusted professionals, and only move forward when it feels right. You deserve to feel confident and cared for in this decision.

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