Friday, February 27, 2009

Buying Defaulted Mortgages - Don't Focus On One Exit Strategy

By Dean Engle

I had a conversation with a new Note Buyer the other day, and he told me that he was launching himself into buying defaulted mortgages after spending a long time wholesaling properties.

What worried me was when he said: "Dean, I want to get into buying defaulted mortgages in order to keep people in their homes and get some good cash flow."

Please don't get me wrong, of all people I would be the first to admit that Humanity does count. But...

Don't lose sight of the forest for the tree.

When Buying Defaulted Mortgages, Don't Only Focus On One Exit Strategy

It will not work.

You see, you may WANT to pursue A SINGLE exit strategy for the defaulted mortgages you purchase (in this case, he was looking to re-perform all the notes he bought - possibly by modifying them all - and then to hold them for cash flow).

Buying Defaulted Mortgages: Multiple Exit Strategies Are Needed

If you want to be successful in your investments in defaulted mortgages, you need to be like Rafael Nadal.

With an amazing serve, grass court and clay court experience, and a great forehand, Nadal is a well balanced tennis star.

You should have the same approach when you are buying defaulted mortgages. Have the ability to pursue multiple exit strategies at once in your note buying business.

Don't limit yourself to one note buying strategy.

When Buying Defaulted Mortgages, Use Foreclosure As A Tool

Sometimes it takes starting a foreclosure action to get a borrower to cooperate with you in getting a loan modified.

And Why?

The foreclosure action acts like a wake up call to someone who has been missing payments on a regular basis. That in combination with your help in their loan modification may be just what they need to get going to work their way out of their situation.

Don't fall into the same trap the investor I talked to did.

If you want to be successful in your Defaulted Mortgage Buying business, 1 Exit Strategy is not enough.

If you want to do well in the note buying business, you need to be a jack of all 5 Exit Strategies.

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