Your Note Makes 8%. Visa Charges 28%. Here's the Slick Ninja Note Move Nobody Ever Told You About.

Your Seller Financed Mortgage Note Makes You An 8% Return.

Visa Charges 28%.

Here's the Slick Ninja Note Move

Nobody Ever Told You About.

Most note holders carrying credit card debt are stuck in a math problem they do not even know they are in.

Their note pays them somewhere between 6% and 9% on their money. Their Visa or Mastercard charges them 24%, 28%, sometimes 30% on their balance. Every month their note payment arrives and a significant chunk of it disappears into minimum payments on high interest debt before they ever get to use it.

The frustrating part? The solution has been sitting right there in their note the entire time. Most note holders just do not know it exists.

What You Are Actually Taking Home

Most note holders think of their note payment as their income. And it is — but that number is often not what it looks like on paper.

Say your note pays you $1,400 a month. But you have an underlying lien on that property — meaning there is still a mortgage or other payment tied to it that you are responsible for. A $500 underlying lien payment comes straight off the top.

Now your real cashflow is not $1,400. It is $900.

And if you are carrying $45,000 in credit card debt across three cards at 28% interest — that is another $350 a month in minimum payments coming out of that $900.

Your actual spendable income from your note? $550 a month.

You created an asset. Your buyer pays faithfully every month. And you are left with $550.

That is the math most note holders are actually living with. And almost nobody talks about it.

At $350 a month in minimums on $45,000 at 28% interest — barely any of that touches the principal. The credit card companies collect their 28% first. Every single month. For years. While tens of thousands of dollars in interest disappears from your note income forever.

The Slick Ninja Note Move

You do not have to sell your entire note to access its value.

There is an option most note holders have never heard of. You sell a defined block of future payments, receive a lump sum of cash today, and get your note back when those payments are done.

This is called A Partial Note Sale = The Slick Ninja Move.

Your buyer sends their payments to the note buyer during the partial period. When the block is done your note comes back. Full cashflow restored.

Here is a real example.

Sarah holds a $200,000 note at 8% interest. Her buyer pays her $1,467 a month. She has 29 years remaining.

Sarah put her daughter's wedding on three credit cards. $15,000 each. $45,000 total. It was worth every penny. But now the minimum payments are eating her note income alive.

So instead of selling her note Sarah sells 36 monthly payments to a note buyer.

Those 36 payments total approximately $52,800. Sarah sells those 36 payments and walks away with possibly around $45,000 today — because the note buyer is only pricing risk on 36 months instead of 264. Less time. Less risk. Better pricing for Sarah.

She wipes out all three credit cards in one shot. The high interest stops immediately. And after 36 months her $1497/mo payments come back to her.

Sarah paid for her daughter's wedding. Eliminated $45,000 in credit card debt. And she still has her note.

Compare that to a full note sale. Sarah's $200,000 note might sell for $140,000 to $155,000 depending on her note's risk factors. Why would she sell a $200,000 asset and walk away with $140,000 to $155,000 when she only needed $45,000?

She would not. And now she does not have to.

Here Is Where It Gets Even More Interesting

Some note holders use partial sales strategically over time — doing multiple partials instead of one full sale.

With each successive partial two things work in your favor.

The note buyer is always pricing risk on a shorter window. And by the second, third, and fourth partial your buyer has established a proven payment history with that exact note buyer. Payments arriving on time month after month. Risk demonstrably lower. Pricing more favorable with each successive partial.

By the time you have done multiple partials the total cash extracted from your note could significantly exceed what a single full sale would have delivered on day one.

That is not a loophole. That is simply understanding how note valuation works and using it to your advantage.

Not Every Note Qualifies

This works best on performing notes with clean payment history and a creditworthy buyer. The lump sum depends entirely on your note's specific risk profile — interest rate, remaining term, property equity, and buyer creditworthiness all factor in.

The only way to know if this move is available to you is to have someone who actually knows how notes are valued take a look.

Here Is How To Find Out

Call 352-99-LEARN (352-995-3276) and Dawn will personally follow up with you for a 15 minute note consultation.

Or Click Below to fill out our online worksheet at:

SUBMIT ONLINE MORTGAGE WORKSHEET

No cost. No obligation. No pressure. Just a straight answer on what your note is worth and whether this move makes sense for your situation.

You have been holding this Slick Ninja Note Move the whole time.

Now you know it exists.

About Moxxie Asset Group

Moxxie Asset Group works exclusively with seller financed mortgage note holders across the United States. We help note holders understand exactly what they have, know all of their options, and make informed decisions, whether they ever plan to sell or not.

Want to know if your note qualifies for a partial sale and what it might be worth?

Call 352-99-LEARN (352-995-3276) and our Senior Seller Financing Advisor Dawn will personally reach out to discuss your options. There is no cost, no obligation, and no pressure. Just an honest conversation about what you are holding.