Watercooler Wednesday — a live case study from a note that just paid off.We bought a performing land note at a discount. The calculator said 14.63% if it ran to the 36-month balloon. It didn’t. Sixteen months later the borrower paid it off, and the realized return was 18.28% XIRR.In this replay I walk through the actual numbers:• What we paid vs. what was still owed

• The $202.83 P&I we underwrote

• The 12% / 180-month amort / 36-month balloon

• Why a discount plus an early payoff raises yield

• Why extra principal along the way matters

• Projected yield (TVM) vs. final XIRR — and why those are different tools. This is the “numbers and the story” version. No theory. One deal, start to finish.If you want more case studies like this each week, we go live every Wednesday. Learn notes: https://www.learn.kevinshortle.com

Podcasts & replays: https://www.kevinshortle.com/podcasts/

YouTube: search Kevin Shortle#WatercoolerWednesday #NoteInvesting #RealEstateWithoutRenters #MortgageNotes #PassiveIncomeLove the show? Subscribe, rate, review, and share! https://www.kevinshortle.com/podcasts/

Just wrapped Watercooler Wednesday — it amazes me how many people skip the fundamentals. They are the cornerstone of every note deal. I'll lay that out and then merge that with talking about co-ops in this 30-minute replay

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Just wrapped Watercooler Wednesday — four things note investors are actually talking about right now: Fannie’s first NPL sale in over a year (bids due this month)

The 2026 CRE maturity wall and what it’s doing to note supply

Rising residential delinquencies and foreclosure volume

Seller-financed notes holding steady

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You can’t see the true property condition on Zillow, Redfin, or Realtor.com.

Only a local agent BPO can.

And that condition can swing value by tens of thousands of dollars.

In this 30-minute presentation, I break down exactly why online estimates fall short — and why real eyes on the collateral are non-negotiable.

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🔥 Most Note Investors Completely Ignore This…Contracts for Deed (Land Contracts) can deliver 9-15%+ passive yields— but only if you know the difference from mortgages, the state-law traps, and how to buy (or create) them the right way. I’m breaking it ALL down in a free 30-minute live session.

✅ CFD vs Mortgage (the real differences)

✅ Benefits, risks & hidden pitfalls

✅ State-by-state rules that can make or break your deal

✅ How to profit as a buyer of existing CFDs or creator of seller financing 

Click to watch on YouTube → https://youtu.be/AYbvwp_x9r4

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"Strong investments aren’t built on luck — they’re built on understanding the fundamentals. If you don’t have a solid foundation in real estate and real estate notes, everything will eventually come crashing down. Full livestream recording is now live. Watch it and protect your future deals. 👇"

Welcome to Watercooler Wednesday. Each week, we go over NEW case studies and empowering concepts in real estate and real estate notes. www.kevinshortle.com

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“Saw a non-performing loan on an abandoned teardown hidden in the woods. The seller wanted me to buy it at a premium and then foreclose to make money. My question was: If it’s that easy and profitable, why won’t he just foreclose himself? I passed on the deal for one big reason — and I explain exactly why in this episode."

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"Most self-servicing note investors are making this mistake… and it could cost them $28,000 – $43,000 by the time the loan matures.

I broke it all down in this live. Worth watching if you’re holding or buying notes."

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Property Taxes! One of the Top Priorities when doing your research on notes.

Welcome to Watercooler Wednesday. Each week, we go over NEW case studies and updates in the note-investing industry. www.kevinshortle.com

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Rental property versus real estate-backed notes!

Welcome to Watercooler Wednesday. Each week, we go over NEW case studies and updates on the note investing industry. www.kevinshortle.com

Love the show? Subscribe, rate, review, and share! https://www.kevinshortle.com/podcasts/