Blog | Eric Scharaga

Apr 14, 20219 min read

Mortgage notes vs. Stocks

I want to make it clear that I’m not in favor of mortgage loans replacing traditional investments in an investor’s portfolio. Every...

30 Reasons NOT to Buy Rental Properties as Investments

Eric Scharaga

Dec 15, 20200 min read

30 Reasons NOT to Buy Rental Properties as Investments

How do Mortgage Notes Compare with Stocks, Bonds, and Annuities?

Eric Scharaga

Nov 25, 202015 min read

How do Mortgage Notes Compare with Stocks, Bonds, and Annuities?

I want to make it clear that I’m not in favor of mortgage loans replacing traditional investments in an investor’s portfolio. Every...

Mortgage Loans and a 401k or IRA: Creating a Perfect Synergy

Eric Scharaga

Nov 25, 202028 min read

Mortgage Loans and a 401k or IRA: Creating a Perfect Synergy

Selecting Your IRA Since their introduction in 1974, individual retirement accounts (IRAs) have proved a formidable tool in the effort to...

How Volatility Ruins Retirement-A Special Report

Eric Scharaga

Nov 24, 202017 min read

How Volatility Ruins Retirement-A Special Report

The Current Volatility Crisis For risk-averse investors, 2020 has been a rough year. After watching the Dow Jones Industrial Average...

SPECIAL REPORT: Examining Bonds and Mortgage Funds

Eric Scharaga

Nov 15, 202011 min read

SPECIAL REPORT: Examining Bonds and Mortgage Funds

Bonds in 2020 Facing a COVID-19–created liquidity crisis, the bond market in 2020 looks different from prior years. No longer offering...

Eric Scharaga

Nov 10, 20204 min read

What is the Traditional Banking Model?

Leveraging the Traditional Banking Model In a post-Great Recession world, banks are leaders in safe lending. With the introduction of the...

Eric Scharaga

Nov 9, 20205 min read

What is the Secondary Mortgage Market?

While both banks and mortgage loan investors own loans and count on monthly loan income for profits, the mortgage loan investing business...

Eric Scharaga

Nov 9, 20204 min read

What is a Partial Note Purchase?

What if you’re not ready to purchase a whole loan? A partial is the answer. Whether you’re concerned about concentrating that much...

Why I Love Buying Loans In Active Bankruptcy

Eric Scharaga

Nov 6, 20204 min read

Why I Love Buying Loans In Active Bankruptcy

What if some of your preconceived fears and assumptions about mortgage loan investing just weren’t true? Many of my original beliefs...

Eric Scharaga

Nov 6, 20203 min read

What is a Reperforming Loan?

Financial institutions originate billions in loans each year, yet foreclosure numbers average less than 1 percent.[1]Within that gap lies...

Evaluating the Risks of Mortgage Note Investment

Eric Scharaga

Nov 5, 20209 min read

Evaluating the Risks of Mortgage Note Investment

Homeowners should be a part of your investment portfolio Risk is a part of every investment experience. There are no investments that are...

Are you confident you can double your portfolio within 8 years?

Eric Scharaga

Nov 5, 20202 min read

Are you confident you can double your portfolio within 8 years?

What the Rule of 72 tells us about our expectations for our investment portfolio Compounding and the Rule of 72 If you are getting...

Downsides of Mortgage Loan Investing (Or Are They?)

Eric Scharaga

Nov 5, 20205 min read

Downsides of Mortgage Loan Investing (Or Are They?)

Every investment has risks, limitations, and drawbacks that impact its appropriate level of asset allocation in each investor’s...

A Glossary of Mortgage Loan Investing Terms

Eric Scharaga

Nov 5, 20206 min read

A Glossary of Mortgage Loan Investing Terms

Alternative investments don't need to be confusing. Not a mortgage broker; a mortgage investor. Accredited investor: Investor that is...

Comparison Graphic: Real Estate Investing vs. Mortgage Note Investing: Portfolio Management

Eric Scharaga

Nov 5, 20201 min read

Comparison Graphic: Real Estate Investing vs. Mortgage Note Investing: Portfolio Management

Common sense investing for building wealth tells us that the preferred alternative investment is clear. Since 2013, real estate has been...

Eric Scharaga

Nov 5, 20205 min read

How I Became the Burned Out Landlord

Real Estate's Biggest Risks are sometimes less obvious Real estate investment wasn’t on my radar until 2001 when I read Rich Dad, Poor...

Eric Scharaga

Nov 5, 20203 min read

What IS Mortgage Note Investing?

Mortgage investing for beginners-is a mortgage an investment? Note investing has provided me with a level of financial freedom I failed...

Eric Scharaga

Oct 22, 20205 min read

Why I Buy both First and Second Liens

Both are great investments, for different reasons. When buying a loan, investors can choose whether to buy a lien in the first or second...

Misconceptions About Investing in Mortgage Loans

Eric Scharaga

Oct 22, 20202 min read

Misconceptions About Investing in Mortgage Loans

You don't need to be a huge bank to profit like a bank The ability to buy and sell mortgage notes is not just limited to banks and...

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