INCOME NOTE INVESTING SPECIALISTS
Turn INCOME notes into Real wealth
YOU SHOULDN'T HAVE TO WAIT YEARS TO ACCESS YOUR MONEY
If you're holding a note and collecting slow monthly payments-or if your savings are sitting in a CD earning next to nothing-there's a better option. Windfall Realty Inc buys real estate notes for cash and connects investors with steady, real estate-backed income.
Get a Cash offer in 24-48 hours
Monthly income at 8-15% yields
Every note backed by real property
We'll Beat Any Competing Offer
No fees or obligations to get a quote
Cash at closing - typically 14-30 days
Performing & Non - performing notes welcome
Talk to real person, not a call center
Bring us any written offer on your note. If it passes our review, we'll match or beat it - no pressure, no games. We want to earn your business.
PROMISSORY NOTE
You (Seller)
Financed the buyer
Your Buyer
Sends you payments
Windfall Realty Inc Buys It
You get cash now
That note has real cash value today
Most note holders don't realize their note can be sold - just like a stock or bond. There's an active market of buyers who will pay you a lump sum upfront in exchange for stepping into Your monthly payment stream
you don't have to sell all of it
you can sell just a portion of your remaining payments for cash now, then resume collecting the rest yourself. it's flexible - you decide how much liquidity you need.
investors can step into that same income stream
if you're an investor, buying a real estate note means receiving those same monthly payments - secured by the underlying property = without owning or managing the real estate yourself.
TWO WAYS WE CAN HELP
Are You A Income Note Holder or an Investor?
We serve both sides of the Note market - and we take pride in making every transaction feel personal, not transactional.
I Want to Sell My Note
You sold property and agreed to receive payments over time. Life may have changed - a medical bill, a move, an estate to settle. You shouldn't have to wait years to access what's already yours.
Full purchase - one lump sum, paid at closing
Stop waiting 10, 15, 20 years for your money or arrive in small pieces. We pay you in full at closing
Partial purchase - Cash now, keep future payments
Need some cash but want to keep collecting long - term? Sell a partial - a set number of payments - and the rest reverts back to you.
Free quote with no obligation to accept
We'll explain exactly how we arrived at your number. You decide if it makes sense for your situation.
Performing and non - performing note both welcome
Even if Your buyer has missed payments or stopped paying altogether, your note still has value. We'll tell you honestly what it's worth
Most closings in 14 - 30 days once documents are in
I Want to Buy Notes & Invest
Your savings deserve better than 4% in a CD. Real Estate - backed notes have been delivering 8 - 15% annual yields for decades - without the headaches of being a landlord or the volatility of the stock market.
8 - 15 % annual yields on vetted, performing notes
Consistent monthly deposits - like clockwork
Once closed, a servicer collects payments and deposits them to you automatically. Nothing to manage on your end.
Secured by real property - not stocks or promises
Every note we offer is secured by a real home or property. If the borrower ever stops paying, you have the legal right to reclaim the asset.
No Tenants, repairs, or property management
You hold the debt secured by the property - not the property itself. The borrower handles taxes, insurance, and upkeep. You don't paint notes or unclog their toilets...You just collect.
Compatible with IRA, Roth IRA & Self - directed accounts
Self-directed IRAs and 401(k)s are among the most common ways our investors participate. Returns grow tax-deferred or tax-free in a Roth
We handle the paperwork and servicer setup for you
Selling a Note
Submit Your Note Info
Fill out our quick form with basic details about your note - property, balance, payment history.
Receive Your Free Quote
We analyze your note and present a no - Obligation Cash Offer, typically within 24 - 48 hours.
We Handle the Details
Once you accept, our team handles due diligence, title, and paperwork - no stress for you.
You Get Paid
Funds are wired directly to you at closing. Most deals close within 14 - 60 days depending on underwriting and due diligence.
Buying Notes
Tell Us Your Criteria
Share your investment goals - desired yield, note type, geography, and investment range. We work from $1,000 to $ 500,000 +
Access Our Note Inventory
Get matched with vetted, performing income notes from our active pipeline. All first- lien, all below 80% LTV
Review & Due Diligence
We provide full documentation - payment history, property details, title info - so you invest with confidence
Collect Monthly Payments
Once closed, payments flow directly to you via a third - party servicer - secured by real estate, every single month
GET STARTED TODAY
Let's Find Your Solution
No pressure, no obligation. Just a real conversation with someone who understands notes.
Get A Cash Offer For Your Income Note
Tell us about your note and we'll send you a free,no - Obligation quote within 48 hours - full purchase or partial, your call.
Join Our Income Note Investor Network
Tell us what you're looking for and we'll match you with performing income notes that fit your goals.
Real Stories
People We've Helped
How much less than face value will I get for my note?
Note are typically purchased below their face value - this is how buyers earn a return on the investment. The discount depends on your interest rate, remaining term, property value, and payment history. We're completely transparent about how we arrive at your number and will walk you through the math. Many sellers find the lump sum far more valuable than years of trickle payments - especially when life circumstances have changed.
Can I sell only part of my note and keep some of the payments?
Absolutely. A partial purchase lets you sell a set number of future payments for cash now, while the remaining payments come back to you once that period ends. It's one of the more flexible options we offer - great if you need Liquidity without giving up your long - term income stream entirely.
My buyer has missed payments. Can I still sell the note?
Yes. We work with performing, partially performing, and non - performing notes. A note where the buyer has missed payments (especially 90+ days past due) will be priced at a steeper discount - but it still has value, particularly when the underlying property has solid equity. We'll give you an honest assessment of what it's worth and why.
Is note investing safe? What if the borrower stops paying?
Every note we offer investors is secured by a real property in first position - meaning if the borrower stops paying, you have the legal right to foreclose and recover the asset. We only purchase notes with meaningful equity in the property ( never above 80% loan - to - value), so there's always a real cushion protecting your investment. No investment is risk - free, but this structure provides meaningful security that stocks and bonds simply don't.
Can I use my IRA or retirement account to buy Notes?
Absolutely. Self- directed IRAs are one of the most popular ways our investors buy notes. A self-directed IRA lets you hold real estate notes as a retirement assets, with returns growing tax- deferred (or tax - free in a Roth IRA). We work with your custodian to make the process straightforward. Many people find notes outperform their old retirement account returns significantly.
How long does the whole process take?
From initial quote to Cash in hand, most transactions close in 14 - 30 business days. Simpler, well - documented notes close faster. The main variable is how quickly original documents ( the note, deed of trust, payment history) can be gathered. We'll give you a realistic timeline upfront and keep you informed every step of the way.
How do I know this is legitimate- that someone will actually pay me?
We use a licensed title company and closing attorney for every transaction. You sign nothing, and no money moves, until all documentation is in order and you're ready. The funds are wired directly to you at closing - not through us. We're happy to walk you through the entire process before you commit to anything. so you fully understand each step.
TALK TO A REAL PERSON
Testimonials
John Doe
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Jane Doe
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Ready to Move? Let's Connect
No automated systems. No holding queues. Reach Aquil directly - call, text, leave a voicemail, or pick a time that works for you
Phone: Call or Text Anytime
Prefer to talk? Call or send a text. We respond fast - real conversations, real answers.
(470) 634- 4411
Email Aquil Directly
Schedule A Call
Pick a time that fits your schedule. 15 or 30 minutes - we'll walk through your note or investment goals together.
Book a Time
Call (470) 634-4411
Email: [email protected]