Porch Swing Funding

06/18/2026

Most note sellers have a general sense of what they'll do with the money. But once they have it, things end up different than expected.

The number one things we hear are pay off debt and sleep better. Not travel or a new investment. It's usually getting rid of the thing that's been grinding on them.

This new article covers what people actually do with note sale proceeds… including a few uses that don't come up in most places.

Most note sellers have a sense of what to do with money after selling a mortgage note – but the decision deserves a moment's thought. Here's what people actually do with their proceeds.

06/10/2026

Not everyone who says they buy notes is writing you a check.

Some companies use their own money. Some shop your note to other investors. Some use a hybrid model – and when they do it right, that can be a lot better for you.

New article breaks down the three types and what each one means for how the process goes:

Not all note buyers work the same way. This guide explains who buys promissory notes, how each type operates, and what to look for before you sign.

06/04/2026

If you're thinking about selling your mortgage note, the right questions can make the difference between a smooth process and a frustrating one.

Not every note buyer operates the same way. Some are slow to respond, vague on pricing, or hard to pin down on timeline.

We put together 7 questions worth asking before you commit to anyone – including us.

Not sure how to vet a mortgage note buyer before you sign? These 7 questions reveal what the best mortgage note buyers get right – and what to watch for.

06/01/2026

Last week we spoke with eight noteholders.

A few highlights:

A $300K note secured by a cold storage warehouse in Georgia. Looked good until an environmental report flagged a high probability of contamination.

A $210K note in Florida. Same issue – the property had previously been used by a dry cleaner.

A $195K single-family home in Michigan. Good note, good payor, strong collateral. We quoted aggressive pricing. Still in conversation.

This is what most weeks look like. Not every note qualifies. The reasons vary more than people expect.

If you're wondering whether yours does, the fastest way to find out is to call or fill out a form.

https://porchswingfunding.com

Call now to connect with business.

05/28/2026

If you sold property on a land contract or contract for deed, you can sell those monthly payments – even if you still hold the deed.

Holding the deed is just how contracts for deed work. It doesn't mean the income stream is stuck.

We put together a guide explaining how the process works, what affects your offer, and what closing looks like.

Read it:

Holding a contract for deed and want out? Find out how to sell land contract payments, what buyers look for, and how to get a fair cash offer.

05/20/2026

There's a tax reality note buyers know about, but somehow skip over... Selling a note accelerates deferred installment gain into the current tax year.

It's important to know about, and to talk with your CPA about before selling. Sell in December vs January? Would a partial sale reduce the hit?

Here's a breakdown:

Understand the tax side of selling a mortgage note – installment sale rules, capital gains vs. ordinary income, and what to ask your CPA before you sell.

05/14/2026

After almost a decade in business, we’ve never signed with a note seller in person. Until today. In a hotel lobby. Next to a casino in Charlestown, WV. Whatever it takes 🎰💰

05/14/2026

Something from our personal lives. The recent rent negotiation for our personal residence opened a Business Insider piece on the national rental market.

The full article is behind a paywall, but here's the excerpt:

"A sharp eye and a handful of texts had saved the couple $275 a month. 'We like the relationship, but the market's the market,' Bario tells me. 'Why not ask?'"

I wrote a longer take on what this means for landlords and note holders:

Rents have fallen 30 months in a row nationwide. Here's what seller financing for landlords means as a practical exit strategy in today's softening rental market.

05/13/2026

If you're thinking about selling your mortgage note, you'll need a short stack of documents – and most people already have them.

The tricky part is knowing exactly which ones, where to find them, and what we do with each one once you send it over.

We put together a straightforward checklist with everything we typically need.

Read it here:

Learn the documents needed to sell a mortgage note – from quote to closing. Covers each document, why buyers need it, and what to do if one is missing.

04/30/2026

Most people holding a seller-financed note think there is only one way to sell: hand it over, get a check, done.

There is a second option called a partial sale – where you sell a set number of future payments instead of the whole note. You get cash now, and once those payments are collected, the income comes back to you.

Whether a full sale or a partial makes more sense depends on what you actually need. New post walks through both, including a decision checklist and four real-world scenarios.

Read it here: https://porchswingfunding.com/full-vs-partial-mortgage-note-sale/