For prospective private lenders
Understand the business, review the process, and discuss whether working together is a fit.
Learn about private lending →Mortgage note investing
I invest in payments.
Not the next repair.
LJH Investments buys performing and nonperforming first mortgage notes. Learn how Larry Hoffman evaluates deals and works with note sellers and prospective lending partners.
Real estate investor since 2006Cincinnati roots. Based in Madison, Indiana.First mortgage notes
How can I help you?
Every deal starts with three questions.
Person
Payment history. Borrower circumstances. A realistic path forward.
Property
Value. Condition. Equity. Taxes and insurance.
Paperwork
Title. Lien position. Loan documents. Servicing records.
Meet Larry Hoffman
Cincinnati roots.
A focus on mortgage notes.
I'm Larry Hoffman, Managing Member of LJH Investments, LLC. I've invested in real estate since 2006 and am based in Madison, Indiana, with roots in Cincinnati, Ohio.
My focus is performing and nonperforming first mortgage notes. I look at the person, the property, and the paperwork before making a purchase decision. When a borrower falls behind, I consider practical workout options before foreclosure.
LarryBuysNotes is my note seller website. LJH Investments introduces the business and my approach to people interested in learning about working together.
For prospective private lenders
Understand the process before you decide.
A conversation starts with your questions, the way LJH evaluates mortgage notes, and the documents and terms relevant to a potential transaction. Any arrangement depends on the specific deal and signed agreements.
Review the approach
Discuss payment history, collateral, title, taxes, insurance, servicing, and possible exit paths.
Understand the risks
Borrower defaults, delays, expenses, collateral losses, and limited liquidity can affect outcomes. Principal and returns are not guaranteed.
Clarify the agreement
A mortgage securing a borrower’s note does not automatically give a lender to LJH a direct lien on that property. Security, reporting, repayment, and remedies must be reviewed individually.
See how I evaluate a deal
Before buying a performing note
- Verify the payment history against servicing records.
- Review the note, mortgage, assignments, and title.
- Check taxes, insurance, and property value.
- Account for servicing costs, possible advances, and delays.
- Evaluate the price against the cash flow and risks.
Reasons to pause or pass
- Missing documents or unresolved ownership questions.
- Payment history that cannot be verified.
- Taxes or other liens that change the economics.
- Collateral value that does not support the price.
- A risk I cannot understand or reasonably price.
Questions about working with LJH
What does LJH Investments do?
LJH Investments buys performing and nonperforming first mortgage notes. Larry Hoffman leads the business and evaluates the borrower, collateral, and loan documents.
Where is Larry based?
Larry is based in Madison, Indiana, and has roots in Cincinnati, Ohio. Location is separate from the states where a particular note may be considered.
How do I sell a mortgage note?
Visit LarryBuysNotes to learn about selling a note and start a review. A purchase depends on due diligence and an agreed price.
Are principal and returns guaranteed?
No. Mortgage note investing involves risk, including loss of principal. Collateral does not remove default, expense, liquidity, or recovery risks.
How can I discuss private lending?
Schedule a conversation with Larry to discuss the business, your questions, and whether further review makes sense. Terms and security vary by transaction.
Start with a conversation.
Ask questions about LJH Investments, note selling, or the way I evaluate mortgage notes.
Schedule a Conversation →