The Texas Note Company

What The Texas Note Company does

The Texas Note Company is a privately held LLC founded in 2013 by Robert E. Young and headquartered in Austin, Texas. The company operates in the real estate note industry, purchasing promissory notes, deeds of trust, and contracts for deed from individual note holders, while offering loan servicing, hard money lending, and owner financing consulting. Its primary customers are SMBs and individuals — typically real estate investors, note holders seeking liquidity, and property sellers exploring owner-financed exits — with disclosed transaction sizes in the $0-$200k range. Operations are marketed across all 50 states from a single Austin office, indicating a distributed-sourcing model rather than regional concentration.

Beyond core note buying, the firm has layered three adjacent service lines: a Loan Servicing division for third-party portfolios (introducing recurring servicing fees), a Hard Money Lending product line (generating interest-spread income from direct loans to investors), and an Owner Financing Consulting practice (monetizing advisory work on seller-financed transactions). Technology infrastructure is described only as "mortgage automation software" used in servicing workflows; there is no evidence of proprietary AI/ML systems, in-house underwriting models, or named data assets. The firm holds NMLS license #882783, has been BBB accredited for approximately three years, and operates without external funding as a self-funded, owner-managed LLC. Founder Robert E. Young brings prior finance experience at Dell and Citibank and is the named principal.

Name

The Texas Note Company

Legal name

The Texas Note Company, LLC

Website

https://texasnoteco.com

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

11–50 employees

Short description

The Texas Note Company is an Austin, Texas-based private firm that purchases real estate promissory notes, deeds of trust, and contracts for deed from individual holders nationwide while offering loan servicing, hard money lending, and owner financing consulting.

Ownership category

akta.pro rank

Product category

Real Estate Note Services

NAICS

Mortgage and Nonmortgage Loan Brokers (52231), Offices of Real Estate Agents and Brokers (5312)

SIC

Mortgage Bankers & Loan Correspondents (6162), Loan Brokers (6163)

akta.pro industry

PRIMARYFSALADAC

CRE Bridge & Transitional Lending

Financial & Insurance/Mortgage & Housing Finance/Commercial & Multifamily Mortgage Lending

SECONDARYFSAEAJAJ

Real Estate Transaction Advisory & Due Diligence

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Real Estate Advisory & Brokerage

Keywords

• Real estate notes
• Mortgage note buying
• Loan servicing
• Hard money lending
• Owner financing

Headquarters

HQ city

Austin

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D

Revenue model

1. Note Purchase/Transaction Fees: The company purchases real estate notes from note holders at a discount, providing lump-sum cash payouts. Owner financed real estate notes are bought and sold on the secondary market at a discount of the note balance. The company earns revenue through the discount spread between purchase price and note value.
2. Loan Servicing: End-to-end comprehensive loan servicing for individuals, companies, and investors holding real estate notes. Services include payment processing, escrow management, tax and insurance disbursements, late notices, and 1098 form generation.
3. Hard Money Loans: Private mortgage loans to real estate investors secured by first or second mortgages at 70-80% LTV. Offers 10-12% returns for investors who fund these loans.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

The Texas Note Company purchases owner-financed real estate notes (promissory notes, deeds of trust, land contracts, contracts for deed) from individual note holders at a discount on the secondary market, providing lump-sum cash payouts typically within 2-3 weeks. It also offers comprehensive loan servicing for note portfolios, hard money private mortgage loans to real estate investors at 70-80% LTV, and consulting on owner-financing strategies for property sellers.

Product overview

The Texas Note Company operates as a real estate note buyer and mortgage note broker offering a unified suite of services for the owner financing ecosystem. The core offering centers on purchasing and brokering real estate notes (promissory notes, deeds of trust, land contracts) for lump-sum cash payments. Supporting services include loan servicing for note holders, hard money private lending, and owner financing consulting. The company also provides educational resources including the 'The Gold in the Paper' e-book. Services are available across all 50 states.

Differentiator

Problem solved

Functional benefit

Products and services

• Note Purchase/Sale Services Enables real estate note holders to sell their promissory notes, deeds of trust, land contracts, or contracts for deed for a lump sum of cash, with both full purchase buyout and partial note purchase options. Priced on a quote basis at a discount to the note balance on the secondary market.
• Loan Servicing End-to-end loan servicing for individuals, companies, and investors holding real estate notes. Includes payment processing, escrow tracking, 1098 form generation, late notices, delinquency reports, insurance and tax disbursements, and automatic draft services for borrowers, supported by proprietary mortgage automation software.
• Hard Money Loans Private mortgage loans offered to real estate investors, secured by first or second mortgages at 70-80% loan-to-value, providing 10-12% returns for investors who fund these loans as an alternative higher-yield investment option.
• Owner Financing Consulting Advisory services that help property sellers implement owner financing strategies, defer taxes, create real estate notes that protect the seller, and structure transactions for optimal outcomes, leveraging access to deal-structuring capital.
• The Gold in the Paper (Free E-Book) Free e-book educating readers on owner financing strategies, the role of the Original Promissory Note, and techniques for selling real estate notes on the secondary market.

Quantifiable outcome

• Transactions typically close in 2-3 weeks, with some completing in as little as 5 business days
• +1 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

One partnership is on record.

• Better Business BureauminorOthersBBB accreditation demonstrates the company's commitment to ethical business standards and marketplace trust. Accreditation requires adherence to BBB's comprehensive policies, procedures, and best practices.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Kiavi (formerly LendingHome): Tech-enabled hard money and bridge lender for real estate investors. Comparable in hard money product offering and LTV ranges, but operates at significantly greater institutional scale with broader capital base.
• Anchor Loans: Large private bridge lender focused on residential real estate investors in California and select national markets. Comparable hard money product structure with greater geographic concentration and balance sheet scale.
• Lima One Capital: Specialized hard money lender providing fix-and-flip and rental loans to real estate investors. Directly comparable in hard money pricing, LTV, and investor customer segment, with institutional capital backing.

Direct peers

• Direct Note Capital: Note buyer and broker with a focus on discounted cash purchases of performing and non-performing real estate notes. Comparable in product offering and SMB note-holder customer segment.
• National Note Buyers: Specialized in purchasing seller-financed real estate notes nationwide. Closely comparable in target customer (note holder), transaction type (discounted lump-sum buyout), and national marketing approach.
• Direct Note Solutions: Specialized buyer and servicer of real estate mortgage notes with national reach. Directly comparable as a competing note purchasing platform targeting the same seller-financee segment with similar discount-spread economics.
• Amerinote Exchange: Long-standing note buying and brokering platform serving real estate note holders across multiple states. Overlaps directly with Texas Note's core purchase-discount business and similar SMB seller customer profile.
• Sell My Note: Note broker matching sellers to investors across multiple states. Competes on similar pricing dynamics and customer acquisition channels in the same secondary note market.

Emerging players

• NoteSchool: Education-and-brokerage platform that trains and matches investors to note deals. Comparable in owner-financing education angle ('Gold in the Paper' e-book parallel) and connects note holders with buyers.

Others

• Splash Financial: Student loan refinancing marketplace. Not directly comparable in product but referenced as an adjacent SMB-focused financial services broker with a similar direct-to-consumer digital acquisition model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/TexasNoteCo
• LinkedInlinkedin.com/company/the-texas-note-company-llc

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about The Texas Note Company