: Use online marketplaces like Paperstac or Note Trader, or contact banks and credit unions directly to find "off-market" assets.

: Notes are often sold at a discount (e.g., paying $35,000 for a $40,000 balance), which instantly creates equity and increases your yield.

: Review at least 12–24 months of payment history.

: Ensure the property is worth more than the loan balance.

: Check for superior liens (like unpaid taxes) that could wipe out your interest.