Ritsel Notes
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Specializes in helping investors earn passive Real Estate Income without owning a property.
06/05/2026
Most people think a savings account is where money sits.
Banks know it’s where money starts working.
They collect deposits at low savings rates… then lend that same money out at significantly higher rates. The difference between those two numbers is called the spread — and it’s one of the oldest wealth-building models in finance.
Banks earn the spread every day.
The interesting part? Individual investors can step into the same position on a smaller scale.
That’s one reason mortgage note investing continues to attract people looking for real estate-backed income without becoming a landlord.
Same real estate.
Different role.
You don’t always have to own the property to participate in the cash flow behind it.
Ask most investors what a retirement account can hold and you'll usually hear:
• Stocks
• ETFs
• Mutual Funds
• CDs
Those are common investments.
But for investors using a properly structured Self-Directed IRA (SDIRA), the list can be much broader.
One example is mortgage notes.
Mortgage notes represent the actual debt secured by residential real estate and may include:
• Monthly borrower payments
• First lien security
• Real estate-backed collateral
• Alternative income opportunities inside retirement accounts
For qualified Roth IRA structures, earnings may potentially grow tax-free.
For Traditional IRAs, earnings may potentially grow tax-deferred.
Many investors are surprised to learn this option exists.
Not because it's prohibited.
Because it often sits outside the traditional investment products most people are shown.
Understanding what your retirement account can legally hold may completely change how you think about retirement investing.
YES or NO:
Did you know an SDIRA could hold mortgage notes?
The largest banks in America continue to generate billions in profits every year.
One of the primary drivers is the spread between:
• What they pay depositors
• What they charge borrowers
Most people participate on one side of that equation:
The depositor side.
But there is another side.
The lender side.
Mortgage notes are the actual debt instruments secured by residential real estate. They represent the borrower's promise to repay a loan and are typically secured by a first lien on the property.
What many investors don't realize is that banks regularly sell mortgage notes.
Why?
To:
• Free up capital
• Improve liquidity
• Rebalance portfolios
• Manage risk
When those notes are sold, the buyer steps into the lender position.
The borrower continues making payments.
The real estate continues securing the loan.
The investor becomes the note holder.
This side of real estate investing remains largely unknown to many investors despite being used by banks and institutions for decades.
Understanding the debt side of real estate can completely change how investors think about cash flow, collateral, and passive income.
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Sheridan, WY
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