After all, the homeowner isn't paying, so it's a dead-end, right? No, this is where the opportunity for large, above average returns is made. Because buying a mortgage note that isn't paying allows us to step into the shoes of the bank and find a more creative solution than a commercialized formal institution ever could. Sometime this means, the investor, can modify their current loan and get them repaying, and sometimes this can be relieving them of their debt by getting a Deed In Lieu of foreclosure or through the foreclosure process itself. But the key to eliminating risk, is the proper Due Diligence. Due Diligence is your safeguard to making a mistake. Eliminating risk. Anything is risky, especially if you don't know what you are doing. Palomar Note Buyers uses a Specific Protocol in evaluating distressed assets. We do this so we can screen-in the highest yielding, quality paper backed by a Solid. desirable asset. The paper is only worth what the value of the securitize asset worth. Again we are note buying houses but the paper that gives us the full legal power and authority to use all legal measures to preserve out Return of Investing. That's right the Return of Investment is the basis for a Return On Investment. You need both for us to buy the correct asset.