Note Country
Mortgage Note Investing & Resolution

Transforming distressed residential credit into cash flow.

Note Country is a specialty residential private credit company that acquires distressed residential mortgage loans and works to transform them into institutional-quality, income-producing credit assets through disciplined underwriting, borrower resolution, legal coordination, and portfolio management.

Connect See Our Approach
Residential mortgage notes • Performing and non-performing assets • First and second liens
info@notecountry.com • 855-456-6683
15+Years in real estate and notes
2008First NPN portfolio purchased
1st & 2ndLien note experience
ResolutionBorrower-focused asset management
We are in the business of manufacturing performing mortgage assets.

We take loans that are not performing, identify and address the underlying issues, and work to create cleaner, higher-quality credit outcomes. Sometimes that means a borrower workout or trial plan. Sometimes it means payoff, settlement, sale, or legal enforcement. The goal is disciplined resolution.

What We Do

Residential mortgage note investing with a resolution-first mindset

Note Country works with residential mortgage note assets across a range of situations. Each loan is reviewed individually, with attention to the collateral, lien position, borrower history, payment status, legal enforceability, servicing records, title issues, and realistic resolution options.

Distressed Credit

Acquiring and managing non-performing or underperforming residential mortgage loans with a focus on practical resolution.

Performing Notes

Reviewing cashflow, collateral position, payment history, servicing quality, and long-term portfolio fit.

First & Second Liens

Evaluating lien position, senior debt, property equity, state-level risk, and enforcement considerations.

Borrower Workouts

Using practical tools such as trial plans, loan modifications, repayment arrangements, payoffs, and settlements.

Legal Coordination

Working with attorneys and servicers to move files forward while tracking documents, timelines, costs, and next steps.

Asset Management

Building systems around data, follow-up, document control, risk review, and asset-level decisions.

A better way to think about notes

Credit transformation is different from property ownership.

Rental Properties

  • ✕Tenant issues, vacancy, repairs, and turnover
  • ✕Ongoing property-level management
  • ✕Local market and maintenance pressure
  • ✕Harder to scale without more operations

Traditional Investing

  • ✕Market swings with every headline
  • ✕Less control over asset-level outcomes
  • ✕Income may be inconsistent
  • ✕Often disconnected from collateral

Mortgage Notes

  • ✓Secured by real estate collateral
  • ✓No tenants or property repairs
  • ✓Multiple resolution paths
  • ✓Requires discipline, systems, and judgment
How We Think

A practical process for engineering better credit outcomes

Note investing is not passive when done properly. It requires underwriting, documentation, follow-up, legal awareness, servicing coordination, and thoughtful decision-making.

1

Review the collateral

We review property value, lien position, title condition, taxes, senior liens, equity, and state-specific risk.

2

Understand the file

We evaluate note documents, mortgages or deeds of trust, assignments, servicing records, payment history, and legal posture.

3

Choose the resolution path

We assess whether the best path is performance, modification, settlement, sale, legal enforcement, or another negotiated outcome.

Bhavna Jhaveri
Bhavna Jhaveri • Founder, Note Country
Experience That Comes From Doing the Work

From real estate to the debt behind real estate

Bhavna Jhaveri began her journey in real estate before discovering the mortgage note business more than 15 years ago.

In 2008, she purchased her first portfolio of non-performing second liens. That experience became the foundation for her work in mortgage notes. It taught her that note investing is not simply about buying debt at a discount. It is about understanding people, property, paperwork, risk, and resolution.

Today, through Note Country, Bhavna focuses on acquiring and managing residential mortgage note assets, including performing and non-performing loans. Her work includes due diligence, borrower outreach, loan modifications, servicer coordination, attorney communication, and long-term portfolio strategy.

Who We Work With

Built for meaningful industry relationships

Note Country welcomes conversations with banks, note sellers, private lenders, mortgage note investors, capital partners, servicers, attorneys, real estate professionals, portfolio sellers, and industry professionals.

Good Fit

  • ✓Residential note opportunities
  • ✓Performing or non-performing loans
  • ✓Portfolio sellers and private lenders
  • ✓Professionals who value clear communication

Our Values

  • ✓Practical underwriting
  • ✓Organized documentation
  • ✓Resolution-minded communication
  • ✓Long-term relationship building

Contact Note Country

For note opportunities, industry relationships, or professional inquiries, please reach out directly.

Email: info@notecountry.com
Phone: 855-456-6683