Patrick FranzInvestor · Educator
About PatrickWhy Mortgage NotesFree TrainingCash Flow ClubBook a CallJoin My Free Newsletter
Investor · Educator · Entrepreneur

You Know How to Buy a House.Let Me Show You What It Means to Own the Mortgage.

What if your next opportunity in real estate didn't involve becoming a landlord? I'm Patrick Franz — co-founder of Note Investor University, mortgage note investor, and fund manager. I help people understand a side of real estate investing that doesn't get nearly enough attention: owning the mortgage note instead of the property.

Free educational insights. No get-rich-quick promises. Unsubscribe anytime.

Watch My Free Note Investing Training
Portrait of Patrick Franz, investor and educator

The Big Idea

Most People Focus on the House. I Want You to Understand the Loan.

When people think about real estate investing, they usually picture buying houses, managing tenants, collecting rent, and maintaining properties.

But there's another side of the real estate business. Behind many properties is a mortgage — and that mortgage represents a financial asset that may be bought, sold, and managed.

When you purchase a mortgage note, you acquire rights associated with the debt secured by the property. Depending on the note and its performance, that can mean receiving borrower payments without being responsible for everyday property maintenance.

That's what we call becoming the bank.

It isn't risk-free, and it requires education, proper due diligence, and thoughtful management. But it's a different way to approach real estate investing — and one I believe more people deserve to understand.

Teach Me About Mortgage Notes
Portrait of Patrick Franz

The Personal Story

I'm Patrick Franz. And I Believe Financial Education Should Lead to Better Decisions, Not Just Bigger Promises.

My journey didn't begin in a classroom teaching investing. It began in entrepreneurship, sales, technology, and raising capital. Over the years, I've built businesses, worked with investors, and experienced firsthand how important financial knowledge can be.

Today, I bring that experience to my work as co-founder of Note Investor University and my involvement in the mortgage note investment industry through Everly Mae Capital Group.

Making money and understanding how money works are two very different things.
One of the biggest lessons Patrick has learned.

You can work hard, earn a great living, and still feel like you haven't figured out how to make your capital work toward your long-term goals. My mission is to help change that through accessible education, practical examples, and conversations grounded in real investment experience.

Whether you're completely new to mortgage notes or already investing in real estate, I want you to have the knowledge to ask better questions and make better-informed decisions.

Because to me, wealth is about more than numbers.

It's about freedom, family, and the legacy you build along the way.

Get to Know Patrick — Join the Free Newsletter

The Education

The Investment Strategy Most People Were Never Taught

You don't have to become an expert overnight. You have to start by understanding the fundamentals.

Understand the Asset

Learn what mortgage notes are, how they work, and why investors buy loans secured by real estate.

Understand the Cash Flow

Explore how performing notes may produce borrower payments, how investors evaluate potential income, and what happens when a borrower stops paying.

Understand the Risk

Discover why due diligence, property value, loan documentation, borrower performance, and servicing matter before making an investment decision.

Understand the Opportunities

Learn how experienced note investors research, evaluate, purchase, and manage mortgage notes as part of a broader investment strategy.

Knowledge Comes First. Investing Comes Second.

That's the foundation of everything I share.

Start Learning for Free

The Newsletter

Let's Talk About Money Differently.

Join The Cash Flow Brief — my free investor newsletter. Social media is great for getting your attention. But some of the most valuable financial lessons need more than a 30-second video. That's why I'm building a place where I can share more of what I'm learning, studying, and seeing in the world of note investing.

Real-World Note Investing Insights

Understand how mortgage notes work and the questions experienced investors ask.

Investment Education Without the Hype

Practical explanations, case-study lessons, and thoughtful conversations about risks and opportunities.

First Access to My Latest Content and Free Training

Get updates when I release educational videos, webinars, and learning opportunities.

Join The Cash Flow Brief

Free investor newsletter

You don't have to invest a dollar to start learning. You just have to be curious enough to take the first step.

Join for free. Learn at your own pace.

Choose Your Next Step

Ready to Go Beyond the Newsletter?

There isn't just one way to learn. Start wherever you feel comfortable.

01

Option 1 — Watch the Free Webinar

What If You Could Invest in Real Estate Without Becoming a Landlord?

In this free educational presentation, you'll discover how mortgage note investing works, what makes it different from owning rental properties, and where to begin learning about the opportunities and risks. A great next step if you've been curious about note investing but haven't known where to start.

Watch the Free Webinar
02

Option 2 — Join the Cash Flow Club

Stop Learning Alone. Start Connecting With People Who Share Your Goals.

Learning a new investment strategy is easier when you can connect with people interested in the same subject. Explore the Cash Flow Club, a community built around note investing education, conversations, and connecting with other investors. Start with a 30-day free trial and see whether the community fits your learning goals.

Explore My 30-Day Free Trial

Trial eligibility, renewal pricing, and cancellation conditions should be shown clearly before enrollment.

03

Option 3 — Schedule a Conversation

Have Questions About Coaching, Note Investing, or Your Next Step?

Maybe you've watched my videos, explored the training, and want to understand which path makes sense for you. Let's have a conversation. We can discuss your experience, educational goals, and the questions you're trying to answer so you can better understand your available next steps.

Schedule a Conversation With Patrick

Social Proof

Don't Just Take My Word for It. Hear From the People We've Helped Educate.

At Note Investor University, our focus is helping students understand mortgage notes, learn practical investment concepts, and gain confidence through education and support.

"Patrick breaks down note investing in a way that finally made sense to me. I came in knowing nothing about the loan side of real estate."

Student

Note Investor University

"The education is grounded and honest about risk. No hype, just the fundamentals I needed to start asking better questions."

Student

Note Investor University

"I used to think the only way into real estate was being a landlord. The Cash Flow Brief completely changed how I look at it."

Student

The Cash Flow Brief

[ Verified student video testimonials ]

Student experiences vary. Testimonials do not represent guaranteed investment results.

Explore the Free Training

Frequently Asked Questions

Your Questions, Answered

Final Call to Action

Your Financial Future Deserves More Than Another Video You Scroll Past.

You don't need another person online promising that getting rich is easy. You need access to information that helps you understand opportunities, recognize risks, and make more informed decisions.

That's what I'm here to share.

I'm Patrick Franz. And I'd love to help you see real estate investing from a different perspective.

Start with one simple step. Join my free newsletter.

Understand the asset. Respect the risk. Build with intention.