A FREE 5-DAY MORTGAGE NOTE INVESTING CHALLENGE
BECOME
THE BANK
Learn how everyday investors create steady monthly income by owning the mortgage— not the property. No tenants. No repairs. 5 free days that show you exactly how.
100% Free. No obligation.
Become the Bank: Free 5-Day Mortgage Note Investing Challenge
Learn How Banks Create Monthly Income and How Individual Investors Can Do the Same
Most investors spend their lives on one side of the transaction. They save money, buy stocks, or own rental properties while banks collect payments and earn interest from mortgage loans.
What many people don't realize is that individual investors can participate in this same asset class.
Join this free 5-day challenge and discover how mortgage note investing works, where notes come from, and how investors generate income from residential real estate without owning the property.
Who's Teaching This?
Mario Pienaar
Lorinda Pienaar
I'm Mario Pienaar. My wife Lorinda and I have been investing in real estate since 2006, and today we invest in mortgage notes ourselves through Ritsel Notes. We're not a course company that teaches and disappears — we put our own money in this asset class, and we built this challenge to show you how it actually works.
What You'll Learn in 5 Days
Day 1: What you're actually buying (hint: it's not the house)
Understand the difference between owning real estate and owning the debt secured by it, and why many investors focus on the loan rather than the property.
Day 2: The one difference that changes your risk — performing vs non-performing.
Learn the two primary categories of mortgage notes, how they work, and the different opportunities each can create.
Day 3: The real numbers on a real deal — risk, equity, and return.
Review a real-world example and see how note investors evaluate risk, equity position, and potential returns.
Day 4: Where these deals come from — and how to spot a good one.
Explore how notes enter the secondary market and the factors experienced investors review before making a purchase.
Day 5: Your 90-day plan to your first note.
See the practical steps many investors take to continue their education, review opportunities, and move toward their first note investment.
100% Free. No obligation.
Real number, not theory - what you'll see inside
Example Performing Note (Illustrative)
Unpaid Balance
~$82,000
Purchase Price
(about a 9% discount)
~$74,000
Monthly Payment Collected
~$623
Secured By
1st lien position on the property
Illustrative example. Not a promise of returns. Your numbers depend on the deal and your own due diligence.
The Same Real Estate. A Completely Different Job.
Rentals vs. Notes
Owning A Rental Property
Tenants
Repairs, Roofs, HVAC
2:00 AM Phone Calls
Vacancies
Property Management Headaches
You Own The Building
Owning The Mortgage Note
No Tenants
No Repairs
Quiet Monthly Collections
Payment Secured By The Property
Loan Servicing Handles It
You own the debt the building secures
100% Free. No obligation.
This Challenge Is Perfect For:
Investors looking for alternatives to traditional stock market investing
Retirees seeking additional income strategies
Self-Directed IRA Investors looking to put retirement capital to work in alternative assets
Landlords exploring passive alternatives to rental properties
Savers with idle capital earning little in savings accounts or CDs
Anyone curious about mortgage note investing but unsure where to start
What You'll Get
Direct Access to Mario — Reply to any email during the challenge and get a personal response.
Short Video Lessons delivered by email
One Practical Action Step each day
Real-World Examples of mortgage note investing in action
A Clear Framework for evaluating opportunities
A Roadmap for your next steps
100% Free. No obligation.
Get In Touch With Us
Have a question or need help? We're here for you.
Reach out anytime - we'd love to hear from you.
Ritsel Notes LLC
Real Estate Income, Without Owning a Property.
Disclaimer
Ritsel Notes LLC provides educational content for informational purposes only. Nothing on this page constitutes investment, legal, financial, or tax advice. Past results are not indicative of future performance. All investing involves risk. Please consult a qualified professional before making any investment decision.
