2CF is your turnkey solution for owning your own portfolio of Mortgage Notes.

There are billions of dollars’ worth of outstanding, distressed mortgage debt in the U.S.  In today’s economy, more and more people are experiencing financial hardship and having difficulty paying their mortgage.  Banks typically write these non-performing assets off as toxic and sell them to investment groups. WHY?…. Because the bank doesn’t want to be in the real estate business and quite frankly they are not that effective in working out favorable terms for the borrower.  Their sole focus is on the lending.

To be able to buy these notes gives an investor many cash flow options if purchased and worked out properly.  In addition, you own an investment that you have control over as you assume all the rights of the lender that provided the original loan to the borrower.

2CF holds key relationships with investment groups that sell these mortgage notes to us at discounted pricing.  We then work with the borrowers using a variety of exit strategies. 

  • We don’t get paid until you get paid! 2CF is incentivized to get the note performing through a variety of exit strategies.
  • As the Investor, you own the note in full and assume all the rights of the original lender that provided the loan to the borrower.

Events: We get asked often to provide training for individuals that wish to become note investors.  We offer ongoing 2-Day workshops both public and private.  If you work with 2nd Chance Funding after taking the workshop, we refund the workshop fee upon transacting with our company.  Whether you go solo or work through a company like 2nd Chance Funding, the knowledge and resources you receive at the workshop will be very beneficial to your success in the industry. 

Additionally, we adhere to the The HONESTY POLICY which states there is NO UP SELLING at the workshopYou get everything you need to start buying notes the next day!  If you have interest in attending a workshop, please CLICK HERE to download the sign up form.




“I’ve been working with 2nd Chance Funding for over a year now and have been very satisfied with the results, in fact the returns have been higher than expected!  I’m very comfortable adding to the base investment and looking forward to many more transactions”

Joel B - Note Investor




Buying discounted notes is an industry that has been around for decades, and many banks, hedge funds, and other financial institutions take advantage of these types of opportunities. Sometimes they make money and sometimes they lose money.

Like in many other industries, there is ample opportunity to be successful however it remains a buyer beware industry. If you do not have competency and established relationships, there is much room for error. However, you increase your chances for success if you have, or partner with those who have, experience and a proven track record. 

With that said, NO ONE can guarantee your personal success. Some factors affecting your success will be out of one’s control such as market conditions, competition, certain borrower actions, and property values. Also, some factors are within one’s control and include the note buyer’s level of effort, willingness to learn, and treatment of relationships within the industry.

The content provided on this website is for informational purposes only.  It should not be considered legal or financial advice. You should consult with an attorney or other professional to determine what may be best for your individual needs.

Neither Martin Saenz, 2nd Chance Funding, LLC nor Powerhouse Publishing make any guarantee or other promise as to any results that may be obtained from the content on this website. No one should make any investment decision without first consulting his or her own financial advisor, attorney, CPA, etc. and conducting his or her own research and due diligence. To the maximum extent permitted by law, the author, publisher and 2nd Chance Funding, LLC disclaim any and all liability in the event any information, commentary, analysis, opinions, advice and/or recommendations prove to be inaccurate, incomplete or unreliable, or result in any investment or other losses.