Eric Scharaga is a seller-financed land note buyer and private lender who has purchased 750+ notes across 36 states. Learn the strategies banks use to profit from loans — and how individual investors can do the same.
Today, Eric is a seller-financed land note buyer and private lender. He doesn't just teach note investing — he buys notes and originates loans every day.
A high school teacher for 23 years, Eric bought his first rental property in 2003 and discovered mortgage note investing in 2014. Since then he has purchased more than 750 notes and financed over $35M across 36 states.
In 2020, he authored Lienlord, a comprehensive guide to building passive income through mortgage note investing.
Full Bio →Whether you're just learning about notes, holding one you might sell, or ready to deploy serious capital — start here.
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 →Articles on how notes work, how they compare to stocks and rentals, and why consistency beats volatility. Written in plain language by a 23-year classroom teacher.
Start Learning →For investors with $1M or more to deploy: I put my own money into the same notes I'd bring you. Same deals, same terms, side by side.
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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.
A side-by-side look at mortgage notes against the most common investment vehicles on risk, return, and volatility.
Volatility quietly robs your returns. Here is the simple math that most investors never see.
How to hold income-producing notes inside a tax-advantaged retirement account.
Schedule a call to talk notes, selling a note you hold, or investing alongside me.
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