Sell All Or Just Part of Your Existing Note Payments, It’s Up To You

While some companies will try to find a blanket “one-size fits all” offer, that’s not how we do business.We take the time to learn about each note holder’s specific situation and goals which allows us to present options they might not have previously considered (or even known were possible).

Do you need cash now, but want to retain control of the note long-term? We can easily buy a specific number of your future payments, after which control of the note returns to you.

For some additional information, check out a few examples below. Once you take a look, let us make you a fair cash offer on all or part of your remaining note payments.

Here Are Some Examples of How Gardiner Capital Group Can Get Creative In Turning Future Payments Into Cash Today.

The reason we love working with real estate notes is they provide so many different ways to structure the sale of all or part of your note. This helps you to get the cash you need on your terms. An important thing to remember is there is a tradeoff of time vs. money when selling your mortgage note. The known vs. the unknown. These 2 examples below help illustrate some potential scenarios to show you examples of the options you have to sell your note to Gardiner Capital Group.

Example #1 – Sell Part Of The Future Payments To Us, And Keep The Rest

There are lots of different ways you can structure the sale of all or part of your note. Some note holders don’t want to sell all of the note and only need a certain amount of cash now. This option is called a partial.

Let’s say you have a first position $100k private mortgage at 10% for 10 years with 8 years remaining and you’re receiving monthly payments of $1,321.51.

Gardiner Capital Group can buy 43 of those payments for $39,777* in cash today. On the 44th payment, payments resume coming to you and you retain control of the note from then on. You would continue collecting the remaining $43,609 on the note.

Your Benefit: You’ll have immediate use of $39,777 in cash + you’re not losing any principal (in fact you’re still earning a positive return)

Yes! I'd Like A Cash Offer On Part Of My Note!

Example #2 – Sell All Of The Remaining Payments On Your Private Note

Maybe you’re ready to disengage from the note and want to sell all the remaining payments for cash… and selling all of the remaining payments and being fully released from the burden of the administration of that note is the right fit for you.

Let’s say you have a second position $50k private mortgage note at 10% for 20 years with 10 years remaining and you’re receiving monthly payments of $482.51. Lately though, the borrower has been late on their payments… and even missed a few payments recently. This is stressing you out and you’re not excited about the prospect of foreclosure.

You can sell the remaining 120 payments to Gardiner Capital Group for $35,424* in cash today and be completely released from having to worry about the risk of collecting payments again. We’ll take the note over, any collections headaches, and if the borrower stops paying… that’s our problem NOT yours.

Your Benefit: You’ll have immediate use of $35,424 in cash rather than waiting 10 years + the headaches of dealing with this unreliable borrower are gone!

Yes! I'd Like A Cash Offer On Part Of My Note!

Unlock The Cash Stuck In Your Note Below!

We buy real estate notes, mortgages, and other types of notes fast. Put your address and email below and answer 5 easy questions on the next page to get a cash offer in 24 hours!

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Your First Name *

Your Last Name *

Your Email Address *

Phone (Optional)

SMS Opt-in *

Yes, you may text me.

By signing up for text messages you agree to receive messages from Gardiner Capital Group, LLC at the number provided, including automated reminders and deal-specific communication. Message frequency varies. Msg & data rates may apply. Reply STOP to unsubscribe. View our Privacy Policy.

Are You Making or Receiving Payments *

Property Information

Property Address *

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City *

State *

Zip *

Note Information

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Property Sale Price *

Current Unpaid Balance *

How Many Payments Are Left *

Note Current? *

Down Payment *

Amount Financed *

Monthly Principal & Interest *

For accurate pricing, check for additional questions

Why are you looking to sell the note? *

Do You Need The Funds By A Specific Date? *

By When Would You Need The Funds? *

Successfully closing and funding a note transaction can take 30-45 business days. Please let us know by when you would require your funds (i.e. for another real estate transaction or closing). If you require funds sooner than this, this avenue might not be the best fit for your situation.

What type of property? *

Single Family House
Condo
Commercial
Land
Mobile Home
Business Note

What was the original sale price? *

Confirm the monthly P&I payment *

Current Interest Rate % *

Lien Position *

First Position
Second Position
Third or greater

How many payments have been made? *

Are taxes current? *

Yes
No
I don't know

Are payments current? *

Yes
No
I don't know

Any underlying mortgages or liens on the property? *

Yes
No
I don't know

Approximately how much is owed on the property in addition to your note? *

Collateral File Upload

Click or drag files to this area to upload. You can upload up to 15 files.

For faster, more accurate quoting, please upload a copy of the note, mortgage, and closing statement for the property.

Thank you for your inquiry, but Gardiner Capital Group is only able to purchase notes where the seller is receiving payments from the sale of the property (not making them to another lender).

* The purchase amounts in the examples above are for illustration purposes only. See what we can offer you on your note today by calling 214-225-6479 or submit your info in the short form above to get started.

Unlock The Cash Stuck In Your Note Below!

We buy real estate notes, mortgages, and other types of notes fast. Put your address and email below and answer 5 easy questions on the next page to get a cash offer in 24 hours!

Layout

Your First Name *

Your Last Name *

Your Email Address *

Phone (Optional)

SMS Opt-in *

Yes, you may text me.

Are You Making or Receiving Payments *

Property Information

Property Address *

Layout

City *

State *

Zip *

Note Information

Layout

Property Sale Price *

Current Unpaid Balance *

How Many Payments Are Left *

Note Current? *

Down Payment *

Amount Financed *

Monthly Principal & Interest *

For accurate pricing, check for additional questions

Why are you looking to sell the note? *

Do You Need The Funds By A Specific Date? *

By When Would You Need The Funds? *

What type of property? *

Single Family House
Condo
Commercial
Land
Mobile Home
Business Note

What was the original sale price? *

Confirm the monthly P&I payment *

Current Interest Rate % *

Lien Position *

First Position
Second Position
Third or greater

How many payments have been made? *

Are taxes current? *

Yes
No
I don't know

Are payments current? *

Yes
No
I don't know

Any underlying mortgages or liens on the property? *

Yes
No
I don't know

Approximately how much is owed on the property in addition to your note? *

Collateral File Upload

Click or drag files to this area to upload. You can upload up to 15 files.

For faster, more accurate quoting, please upload a copy of the note, mortgage, and closing statement for the property.

Thank you for your inquiry, but Gardiner Capital Group is only able to purchase notes where the seller is receiving payments from the sale of the property (not making them to another lender).

“…private mortgage notes can be sold and thus converted into cash. The amount they sell for is based on the principal balance, the number of payments that have been made (referred to as “seasoning”), the number of remaining payments, the home’s (or other asset) appraised value and the borrower’s creditworthiness.