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Newsletter – June 2026-“Industry Updates”

ALL ABOUT NOTES

NEWSLETTER – June 2026

Welcome to June and hopefully you are enjoying your summer and some great vacations with family and friends! 

With the June newsletter, we will be focusing on Industry Updates.  There is a lot going on in the industry and we summarized highlights in our first article.  For the other articles, we chose to talk about some new opportunities for Note investors.   The Rental Conversion Program discusses a new program that helps landlords transition their rentals to Notes.  The next article is a follow up to a December 2025 article discussing developments in the effort to move Note buying and selling to an online platform.  Each article provides great insight into how these updates can affect your Note investment portfolio.    

Please read on to learn more about Industry Updates! 

MONTHLY FOCUS ITEMS

Want to know what is going on in the Real Estate Market?

With so many changes in the world, it is difficult to keep up with the movement and trends in the industry! How are single family homes sales trending? Why are rental returns dropping? Who are first time buyers and what is their average age? When will the foreclosure backlog start working through the courts? Read more for a quick summary of these trends that will directly affect your real estate investment!

read more

Converting your Rentals into Notes and doubling your Return just got easier!

So, your Rental investment has been seeing margin erosion and time commitments have not changed! What can you do? The solution is to convert your rentals to seller financed Notes, becoming the bank instead of the landlord! And now, we are introducing the new Rental Conversion Program, a guided process led by seasoned professionals to make the conversion as easy as possible!

read more

Why “Real Simple” will change the world of Seller Financed Notes!

Have you ever wondered why buying and selling Notes is not easier? For years, all Note transactions have been done with person-to-person communication and paper files. This manual intensive process did not support an easy way to get involved with Notes. What has been needed is a platform-based system that could provide complete visibility, fractionization, and complete liquidity. Real Simple will do just that and will revolutionize the world of buying and selling Notes!

read more

BEST PRACTICE TIPS

Mortgage Credit Availability Near Record Low

The ability of new borrowers to get approved mortgage credit is near record lows. Many borrowers are unable to obtain conventional financing, leaving a large pool of borrowers unable to buy a home. These borrowers have the ability to repay a loan and want a house but have nowhere to turn for credit.

This situation creates a unique opportunity for Seller Financed Notes. The large group of “Just Missed Buyers” improves the ability to sell your home with a Seller Financed Note.

Rental Margins continue to Drop

While Rents have been increasing, expenses have been increasing at a much faster rate. The result is that landlords are seeing their margins continue to drop, from 8.7% in 2018 to 4.4% in 2025.

This market condition has created a perfect time to start converting rentals to Notes. Notes will offer a greater than 8% return with only a fraction of the time commitment being a landlord. Selling the house with seller financing is a standard transaction that you can undertake on your own. However, the new Rental Conversion Program can assist you throughout the transition, making the process simpler and more efficient.

Negotiate Terms

In the Seller Financed Note world, all terms are negotiable. While you are operating as “the bank” and include some basic requirements, you are not restricted by excessive banking regulations.

Working with your attorney or mortgage specialist, you can work to develop terms that closely match your investment needs. As long as you and the borrower come to agreement and you comply state regulations, your terms can be as creative as you can imagine!

MARKET NEWS * (06/18/26)

Mortgage Rates Decline

The 30-year fixed-rate mortgage decreased this week averaging 6.47%. Incoming data continues to reflect a resilient consumer, with retail sales improving and pending home sales strengthening, suggesting purchase demand is continuing to modestly improve.

  • The 30-year fixed-rate mortgage averaged 6.47% as of June 18, 2026, down from last week when it averaged 6.52%. A year ago at this time, the 30-year FRM averaged 6.81%.
  • The 15-year fixed-rate mortgage averaged 5.81%, down from last week when it averaged 5.84%. A year ago at this time, the 15-year FRM averaged 5.96%.
read more
* Source -FREDDIE MAC
PEAK NOTES TIP
When creating new seller finance notes, use the current market rates and add a premium!

Our goal with the monthly newsletter is to combine some unique insight, helpful tips and market information in an easy-to-read format to help you with managing your Note investment.  We have been working with Note investors for years and hope that this insight is helpful and on point!

We hope you have enjoyed the June 2026 newsletter and gained a great understanding of Updates in the Note Industry! 

 

THE PEAK-NOTES TEAM

John Knoblich

Karen Worthington

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DISCLAIMER-Peak Notes is not an accounting firm or legal firm and the recommendations above are best practices and observations from our years working with Notes.  Always consult a licensed professional for both accounting and legal issues.

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Why “Real Simple” will change the world of Seller Financed Notes!

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