Eric Scharaga has originated and purchased 750+ mortgage notes across 36 states. Learn the strategies banks use to profit from residential loans — and how individual investors can do the same.
Eric Scharaga is an expert in residential and commercial lending, specializing in performing, non-performing, and vacant land notes. He doesn't just teach note investing — he does it every day.
As the founder of Damen Capital Fund and co-founder of Legacy Land Fund, Eric leads a team that has financed land acquisitions totaling over $35M and manages a $15M+ active portfolio of vacant land loans.
In 2020, he authored Lienlord, a comprehensive guide to building passive income through mortgage note investing.
Full Bio →Whether you're learning about notes, looking to sell one, or seeking passive income through a fund — I can help.
Lienlord breaks down exactly how banks profit from residential mortgage loans — and how individual investors can use the same strategies to build passive income.
Get the Book →America's #1 land note buyer and vacant land business-purpose private lender. We purchase seller-financed land notes and provide vacant land acquisition loans with fast closings and direct funding.
Visit Damen Capital →A boutique investment fund for accredited investors offering 9% preferred returns through conservative, land-backed note investments with monthly distributions — without any debt, leverage, or the risk of construction lending.
Visit Legacy Land Fund →
Banks have been profiting from mortgage loans for centuries. Lienlord reveals how individual investors can use the same strategies to create a massive passive-income machine — without owning a single rental property.
"Most investors don't realize how volatility robs their returns. A consistent 10% will beat a volatile 15% every time."— Eric Scharaga
Educational content on note investing, lending, and building wealth outside of Wall Street.
How mortgage notes compare on risk, return, and volatility against traditional stock market investments.
Why passive income through notes can be a better alternative to the headaches of being a landlord.
A side-by-side comparison of mortgage notes against the most common investment vehicles.
Schedule a call to discuss note investing, Damen Capital, or Legacy Land Fund.
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