Privately Held Real Estate Notes
Private real estate notes.
Clear liquidity options.
The Note Desk works with holders of seller-financed real estate notes to evaluate potential options for converting future payments into present-day liquidity.
Request a Note ReviewHow It WorksConfidential inquiry. No obligation to sell.
THE NOTE DESK
A specialized desk for privately held real estate paper.
Who We Serve
Two sides of the same specialized asset.
For Note Holders
If you sold real estate using seller financing and still receive payments, your note may represent an asset that can potentially be converted into cash.
- Explore a full note sale
- Explore a partial sale
- Understand the information buyers evaluate
- Compare liquidity with continuing to hold the note
For Professionals
Privately held notes can surface during estate administration, trusts, property settlements, bankruptcy matters, business transitions, financial planning, tax planning and real estate transactions.
The Note Desk can serve as a specialized resource when a client, estate, trust, business, or other relationship involves a privately held real estate note and potential liquidity options need to be understood.
Contact the Desk →Acquisition Relationships
For Note Buyers & Capital Partners
The Note Desk develops relationships with active buyers of privately held, seller-financed real estate paper. If you deploy capital into notes, share your current acquisition criteria so we can understand what fits your strategy.
Providing acquisition criteria does not guarantee deal flow, exclusivity, allocation, or a transaction.
Tell us what you are looking to acquire.
All or Part
Liquidity does not always require selling every future payment.
A note holder may wish to evaluate the entire remaining payment stream, or only a defined portion of it. A partial transaction can potentially provide present-day liquidity while preserving rights to future payments under the final transaction documents.
See how the review process works →Our Firm
A focused resource for a specialized corner of real estate finance.
The Note Desk was founded to make privately held real estate notes easier to evaluate and understand. We focus on clear analysis, organized documentation and straightforward communication with note holders, buyers and professional referral partners.
Kevin Gordon
Founder & Principal
The Note Desk is based in the Asheville area of Western North Carolina and works with note opportunities based on applicable transaction requirements and buyer criteria.
Buyer / Capital Partner
Share your acquisition criteria.
This helps The Note Desk understand your current buy box before presenting potential opportunities.
Questions?
info@thenotedesk.com
828-407-0241
Start With The Note
Request a confidential note review.
You do not need every document in hand to begin. Start with the basic note terms and property information.
Submit a NoteHow It Works
From private note to informed decision.
A professional review begins with the note terms, then moves through documentation, collateral, payment history and potential transaction structures.
Initial Review
We begin with the property, approximate balance, interest rate, monthly payment, remaining term and your objectives.
Verification
If the opportunity warrants further review, relevant note, security instrument, payment history and property information may be requested.
Analysis
The note is evaluated in light of its economics, collateral, lien position, performance, documentation and applicable buyer criteria.
Options
Where a potential transaction exists, possible full or partial sale structures and next steps can be discussed. You decide whether to proceed.
Full or Partial
The transaction can be structured around the holder's objective.
Full note sale
A potential buyer evaluates the remaining payment stream and underlying collateral for a possible purchase of the seller's remaining interest.
Partial note sale
A transaction may instead involve a defined portion of the payment stream. The exact structure, servicing and reversion of payment rights must be documented in the final transaction.
2-Minute Explanations
Understand the mechanics before you call.
What Is a Private Mortgage Note?
A concise explanation of seller financing and the asset represented by the payment stream.
The Power of a Partial Sale
How a holder may explore liquidity from a portion of future payments rather than the entire note.
Have a note to review?
Submit a Note
Request a confidential note review.
Provide the basic terms below. If the note appears to warrant further analysis, we can follow up regarding documentation and next steps.
Start with the essentials.
You do not need to upload sensitive documents through this initial form. Please do not send Social Security numbers, bank credentials or other unnecessary personal information.
Prefer to speak directly?
828-407-0241
Contact / FAQ
Questions about a privately held note?
Contact The Note Desk directly or review the common questions below.
Contact the Desk
Phone
828-407-0241
Mailing / Business Address
210 Garden Cove Ln
Asheville, NC
Email
info@thenotedesk.com
What is a note review?
An initial review considers the basic note terms, property, payment history and the holder's objectives to determine whether further analysis or a potential transaction may make sense. It is not a certified real estate appraisal or a guarantee of value.
Do I have to sell the entire note?
No. Depending on the note and available transaction structures, a holder may be able to explore a full sale or a partial sale of defined future payments.
Is the unpaid balance the amount I will receive?
Not necessarily. Potential cash value depends on multiple factors, including the note's interest rate, remaining term, performance, collateral, lien position, documentation and a buyer's required return.
What documents may be needed?
After the initial inquiry, relevant documents may include the promissory note, mortgage or deed of trust, payment history, closing documents, servicing information and other records needed to verify the asset.
How long does a transaction take?
Timing varies with the note, documentation, title and collateral review, responsiveness of the parties and the specific buyer or funding structure. The Note Desk does not promise a fixed closing timeline before reviewing the transaction.
Can an attorney or other professional contact you for a client?
Yes. The Note Desk welcomes inquiries from attorneys, CPAs, financial professionals, real estate professionals, title/closing professionals, fiduciaries and other advisers when a privately held note is relevant to a client's matter.