Hello Reader,

I used to sit on notes wondering the same thing.

Do I hold and keep collecting? Or do I sell and move on?

Nobody told me there was a third option sitting right in the middle. It's called a Partial.

And it's probably the most underused tool in note investing.

Notes Concept🧠

A partial is when only a portion of a note's future payments is bought or sold, not the whole thing.

Think of it like this.

A note has 120 payments left. Instead of selling or buying all 120, you deal with just a slice, say the next 60.

Once those 60 payments are collected, the note goes back to the original holder.

As a seller — you get cash upfront while keeping the back end of your note.

As a buyer — you get a shorter-term investment with a defined exit, without tying up capital for a long time.

Real World Experience💰

A note holder is collecting $500/month with 120 months left.

That's $60,000 in future payments sitting on the table.

But they need $20,000 today because they have a new deal they don't want to miss, or they just need to free up capital.

So instead of selling the whole note, they sell you the next 48 payments.

You pay $18,000 and over the next 4 years, you collect $24,000.

That's a $6,000 return on a secured investment without buying a single property.

After month 48? The note goes back to them and you made your return.

Everybody wins.

Mindset Shift 🔄

Gold has been a safe haven for centuries.

People buy it to preserve wealth, hedge against inflation, and hold something tangible.

And it works. But it just sits in a vault waiting for the market to move.

Notes pay you every single month regardless of what the market does.

Gold is passive storage. Notes are passive income.

Both have a place in a smart portfolio. But if your goal is monthly cash flow — gold can't write you a check.

Notes can.

To your success,

Sierra Davis

P.S. If you want your money actually working and paying you every month I've partnered with a financial education company that helps families build a real structure around their money so it works for them long term, not the other way around. Book a free strategy session here: Meet with a Wealth Coach​

This is for educational and informational purposes only. Nothing contained here constitutes financial, legal, investment, or tax advice. All investing involves risk, including the possible loss of principal. Individual results will vary. Please consult a licensed financial advisor, attorney, or tax professional before making any investment decisions. Some links in this email may be affiliate links. If you sign up through my link, I may receive a commission at no additional cost to you.