Mortgage Note Investing Explained: How Investors Become the Bank |S4E4

What if you could participate in real estate without owning the building or managing tenants?Michael Libercci sits down with guest Fred Moskowitz to explain mortgage-note investing: purchasing the debt secured by real estate and stepping into the lender’s position. Fred shares why he began looking for income beyond his computer-engineering paycheck, how he discovered mortgage notes, and how a few early investments eventually expanded into a larger business.They discuss how mortgages move through the secondary market, why financial institutions sell loans for liquidity, how individual investors can purchase smaller notes or packages, and why servicing companies are central to collecting payments and managing administration. Fred also explains the difference between owning a rental property and owning its financing, how mortgage-note funds work at a high level, and why diligence and risk management still matter.In this episode:• What mortgage-note investing is• Why lenders buy and sell mortgages• How individual investors access smaller note transactions• What mortgage servicing companies handle• The difference between note ownership and rental-property ownership• How Fred Moskowitz entered the industry• Why relationships helped him find his first deals• How note funds pool capital and manage portfolios• The appeal of receiving cash flow while holding an investment• Why every investment still carries riskConnect with Fred Moskowitz:https://fredmoskowitz.comhttps://giftfromfred.comFred’s book: The Little Green Book of Note InvestingFollow Total Disruption for conversations about entrepreneurship, alternative investments, risk, and building more resilient income. You just heard it. Now it's time to do something with it.If this episode hit home, here's how to take action:🔥 Join The Conversation:Leave a review on Apple Podcasts or Spotify and tell us which insight you're implementing first. Your feedback doesn't just help us—it helps other entrepreneurs find the show when they need it most.💡 Ready to Go Deeper?This is just the beginning. If you're serious about transforming from best-kept secret to industry authority, check out:→ The Total Disruption Guild – Your network of entrepreneurs who actually do the work→ The KLT Formula – The framework that turns influence into revenue→ Business Battleground: Boardroom Edition – Transform your company on a national stageVisit Total-Disruption.com to explore how we can help you dominate your market.📲 Connect With Us:Follow Dr. Jake Clendenning and Michael Libercci on LinkedIn and Instagram [@TotalDisruption1] for daily insights, behind-the-scenes moments, and the unfiltered truth about entrepreneurship.🎙️ Never Miss an Episode:New episodes drop every week. Subscribe now on Apple Podcasts, Spotify, iHeartRadio, Amazon Music, or wherever you listen. Set it to auto-download so you're first in line when we drop the next one.💬 Got a Question? Challenge? Breakthrough?DM us your wins, struggles, or topics you want us to tackle. We read every message, and the best ones might just become a future episode.Remember: Your competitors are either listening—or falling behind.Don't be the latter.This is Total Disruption. We'll see you next week.Hosted by Dr. Jake Clendenning & Michael LibercciProduced in partnership with the Los Angeles Tribune Podcast NetworkHosted by Simplecast, an AdsWizz companyFor advertising opportunities and sponsorship inquiries, visit Total-Disruption.com Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.