Can I sell part of my mortgage note instead of all of it?

Yes. A partial note purchase allows you to sell only a portion of your future payments and receive a lump sum of cash now, while keeping the remaining payments for yourself. Once the buyer receives the agreed number of payments, the note reverts back to you.

How long does a partial note purchase take?

The partial note purchase process typically takes 10 to 15 business days from the time all documentation is finalized. Payment is made via cashier's check or wire transfer.

Will selling a partial note affect my borrower?

Your borrower's loan terms — interest rate, payment amount, and schedule — remain completely unchanged during a partial note purchase. The only change is the address where they send monthly payments. Once the partial period ends, payments revert back to you.

Are partial note purchases available for non-performing notes?

Partial note purchases work best on performing notes where the borrower is current on payments. Non-performing notes are more difficult to structure as a partial due to the inconsistent or absent payment stream.

Sell Part of Your Mortgage Note | Partial Note Purchase | Cassidy Investment Group

Note Sellers · Options & Strategies

Sell Part of Your Mortgage Note — Not All of It

Q: What is a partial note purchase?

A partial note purchase is when a note buyer purchases a set number of your future mortgage payments rather than buying the entire note. You receive a lump sum of cash now, and when the agreed-upon payments have been made to the buyer, the note reverts back to you and you resume collecting the remaining payments.

CIG Cassidy Investment Group · Published 2026 · 8 min read

You don’t have to choose between keeping your note and getting cash. A partial note purchase lets you do both — receive a lump sum today and keep the remaining payments for yourself once the partial period ends. At Cassidy Investment Group, we specialize in partials and will work with you to find the option that fits your specific situation.

Key Takeaways

A partial note purchase means you sell only a set number of future payments — not the entire note
You receive a lump sum of cash upfront, then your payments resume after the partial period ends
Partials are ideal for note holders who need cash now but want to preserve long-term income
Cassidy Investment Group specializes in partial purchases for performing mortgage notes nationwide
There are no upfront costs to get a quote and no obligation to accept any offer

What Is a Partial Note Purchase?

A partial note purchase is when a note buyer purchases a set number of your future payments rather than buying the note outright. Once the buyer has received the agreed-upon payments, the note reverts back to you and you resume collecting the remaining payments yourself.

Think of it like this: instead of selling the whole pie, you’re selling a few slices — and you get the rest back when the agreed portion is done.

Example You hold a mortgage note with 180 payments remaining. You need $40,000 for a home renovation but don’t want to sell the note completely. Cassidy purchases the next 72 payments. You receive your lump sum today. After 72 months, the note reverts to you and you collect the remaining 108 payments yourself.

How Is a Partial Different From Selling My Whole Note?

Comparing a full note sale vs. a partial note purchase
	Full Note Sale	Partial Note Purchase
What you sell	All remaining payments	A set number of future payments
Cash received	Lump sum for full note value	Lump sum for partial payment block
Future payments	None — you’re done	Resume after partial period ends
Best for	Sellers who want a clean exit	Sellers who want cash now AND future income
Note ownership	Transfers permanently	Returns to you after partial period

Who Is a Partial Note Purchase Right For?

A partial purchase is a great option if any of these apply to you:

You need cash for a specific purpose A medical expense, college tuition, home repair, or investment opportunity — but you don’t want to give up your note permanently.

You value the note long-term You want to keep future payments as income or a nest egg but need a bridge right now.

The full sale price isn’t the right fit A partial may give you the exact amount you need with fewer payments sold.

You’re approaching a life event Retirement, a property purchase, or a business expansion — a partial can be a cash bridge without giving up the asset.

How Does the Partial Note Purchase Process Work?

Request a Free Quote

Contact us with your note details — remaining balance, interest rate, payment amount, payment history, and property information. No cost and no obligation.

We Analyze Your Note

We review your note and determine how many payments we’d need to purchase to get you the cash amount you’re looking for. We’ll present you with clear, written options.

Review Your Options

We walk you through the numbers — how many payments, what lump sum you receive, when your note reverts. No pressure, no rush. We present both partial and full-sale options side by side.

Sign the Agreement

Once you’re comfortable and ready to move forward, we finalize the paperwork. The process is fully documented and straightforward.

Receive Your Cash

We pay via cashier’s check or wire transfer — typically within 10 to 15 business days. Your borrower sends payments to us during the partial period, then resumes paying you when it ends.

What Happens to My Borrower During a Partial?

Good news for your borrower Your borrower experiences virtually no disruption. Their interest rate, payment amount, and loan terms remain exactly the same. The only change is where they send their monthly payment. Once the partial period ends and the note reverts to you, payments come back to your address automatically.

What Affects the Value of a Partial Note Purchase?

The same factors that affect a full note sale apply to partials:

Interest rate — Higher rates mean more valuable payments
Payment history — A strong track record of on-time payments increases value
Remaining term — Longer notes with many payments remaining offer more flexibility
Property value and LTV — Lower loan-to-value ratios are more attractive to buyers
Borrower’s credit profile — A creditworthy borrower reduces risk and improves pricing

We’ll explain exactly how each of these factors affects your specific quote so you understand the numbers clearly before making any decision.

Why Work With Cassidy Investment Group for a Partial Purchase?

Partials are more complex than full note purchases — not every note buyer specializes in them. We do.

Since 2019, with over two decades of combined real estate experience, Kyle and Jay have been helping note holders across Indiana and nationwide find creative solutions that fit their actual needs — not just the easiest deal for the buyer.

Straight answers — we explain our pricing and process clearly
No upfront costs — ever
Customized options built around what you need
Fast closings — typically 10 to 15 business days
No pressure — we present your options and let you decide

Frequently Asked Questions About Partial Note Purchases

Partials work best on performing notes where the borrower is current on payments. Non-performing notes are harder to structure as a partial because there’s no consistent payment stream to purchase. If your note is non-performing, we can still help — contact us to discuss your full range of options.

That depends on how much cash you need and how many payments your note has remaining. We’ll work backward from your cash goal to determine the right number of payments. There’s no set minimum or maximum — it’s customized to your situation.

No. Your borrower’s interest rate, payment amount, and loan terms remain completely unchanged. Only the payment address changes temporarily during the partial period. Most borrowers experience the transition seamlessly.

In many cases, yes. Once your note reverts to you, you may be eligible to sell another partial in the future depending on the remaining payments and current market conditions. Ask us about this when we present your options.

Tax treatment of note sales — including partials — can vary based on how the original sale was structured and your individual situation. We always recommend consulting a tax advisor or CPA before completing any note transaction.

It comes down to your goals. If you need a specific amount of cash and still want long-term income, a partial often makes more sense. If you want a clean break and maximum upfront cash, a full sale may be the better fit. We’re happy to show you both options side by side so you can make the best decision for your situation — with no pressure from us either way.

Ready to Explore Your Options?

Getting a quote is free, fast, and comes with zero obligation. Whether you’re curious about a partial, a full sale, or just want to know what your note is worth — we’re here to help.

→ Request Your Free Note Quote Join Note Talks

Or call us directly: (260) 440-7443 · info@cassidyinvestments.com

Continue Your Note Education

Note Sellers Frequently Asked Questions: Selling Your Mortgage Note Valuation Guide How Much Is My Mortgage Note Worth? Free Webinar Note Talks with Kyle & Jay — Free Monthly Live Q&A

This page is for educational and informational purposes only and does not constitute financial, legal, or tax advice. Note valuations are estimates based on general market conditions and may differ from actual purchase offers. Consult with a qualified financial advisor, attorney, and tax professional before making any decisions. © 2026 Cassidy Investment Group, LLC.