Why Choose the Professional
Note Investor Program?
IN-DEPTH PRO-LEVEL TRAINING
Lifetime access to Note Investor University with more than 400 video-based training sessions covering every aspect of note investing.
EXCLUSIVE MEMBERSHIP
Lifetime membership in the Invest Brilliantly Club for networking, training,
and resources.
CAPITAL RAISING SYSTEM
Lifetime access to Note Investor University with more than 400 video-based training sessions covering every aspect of note investing.
WEEKLY COACHING SESSIONS
50-75 group coaching sessions
per year.
LEGAL DOCUMENTS TEMPLATES
Access a comprehensive legal
documents library.
1-ON-1 COACHING
6 months of personal coaching and guidance from seasoned Note Coaches.
Professional Mortgage Note Investor Program
Become a mortgage note investor and unlock passive income without the headaches of tenants, toilets, or turnover. After a decade of empowering investors, Desi Arnaz created the Professional Note Investor Program — a complete roadmap to generating consistent, secure cash flow through mortgage notes.
CLICK BELOW TO WATCH FIRST!
Two Paths to Passive Income — Mortgage
Notes Are Simpler Than You Think
Two Paths to Passive Income — Mortgage Notes Are Simpler Than You Think
| Feature | Mortgage Notes | Traditional Real Estate |
|---|---|---|
| Ownership | You own the debt — you become the bank | You own the property — you become the landlord |
| Cash Flow | Monthly payments from borrowers (passive) | Rent payments from tenants (active) |
| Maintenance & Repairs | ✅ None — borrower maintains property | ❌ You’re responsible for property upkeep |
| Tenant Management | ✅ No tenants to manage | ❌ Must screen, manage, and deal with tenants |
| Legal Control | Strong legal protections under note agreements | Evictions and property issues can take time |
| Upfront Investment | Often lower (can buy partials or smaller notes) | Usually higher down payments + closing costs |
| Risk Exposure | Secured by property, but no liability for damage | Responsible for property condition and code compliance |
| Tax Benefits | Interest income; options for tax-deferred structures | Depreciation, 1031 Exchange benefits |
| Exit Options | Sell, hold, modify, or foreclose if needed | Sell, refinance, or hold |
| Time Involvement | ✅ Low — perfect for passive investors | ❌ High — requires time, effort, or property manager |
What Mortgage Note Investing Does to You
It Shifts Your Mindset
From “How do I manage tenants?”
→ To “How do I structure this deal like a bank?”
It Changes How You Earn
From chasing rent checks and repair calls
→ To receiving mailbox money while someone else manages the property
It Frees Up Your Time
From solving leaky toilet issues
→ To reviewing deals and collecting interest payments
It Simplifies Your Taxes
No depreciation schedules or capex headaches
→ Just interest income and strategic note structures
It Gives You More Control
With a properly structured note, you’re in the driver’s seat — not the property, the tenant, or the market
It Elevates Your Investment Strategy
From working in real estate
→ To operating above it — as the lender, not the landlord
Pick Your Path to Passive Income
Dip your toe into the world of note investing. This quick-start video series shows you how mortgage notes work — and why they beat traditional rentals.
- Beginner-friendly
- Zero experience needed
- Instant access
Get 30-day access to everything inside Note Investor University. Join live coaching, explore our full training library, and see what it's like to be part of the community.
- Weekly Zoom calls with Desi & Patrick
- Access the Docs & Templates Library
- Great option if you're not quite ready to commit
Still deciding? Want help figuring out the right fit? Let's chat 1-on-1. No pressure, just clarity.
- 1-on-1 expert consultation
- Personalized recommendations
- No pressure, just clarity
What Is Included?
Lifetime Enrollment in Note Investor University (NIU)
Access nearly 400 videos covering all aspects of note investing.
Lifetime Membership in The Rhino Lending Club
Network with other successful investors.
Capital Raising Marketing System
Proven strategies to raise funds for investments.
Certified Note Investing Specialist (CNIS) Certification
Boost your credibility in the industry.
Legal Documents Library
Comprehensive collection of essential legal forms.
Testimonials
What Our Students Say
and we're thrilled to share some of their feedback.
“I joined the community in the Summer. Since then, I have studied the content of the courses. The content is superb! I have learned an incredible amount of material from the content as well as the other members of the group.”
“I love the coaching calls and program that Desi and Patrick have. They walk you through everything and are always there to help and answer your questions. I have learned so much from the calls and am excited to be a part of this community.”
“The Mastermind Group has been very valuable for meeting other like minded people and for sharing information. I have learned a lot about Notes and feel more confident about Note investing.. I highly recommend becoming involved in the community.”
Wayne K.
Airline Pilot
Laura Moore
Investor
Dr Robert M.
Dentist - Investor
Testimonials
What Our Students Say
Wayne K.
Airline Pilot
“I joined the community in the Summer. Since then, I have studied the content of the courses. The content is superb! I have learned an incredible amount of material from the content as well as the other members of the group.”
Laura Moore
Investor
“I love the coaching calls and program that Desi and Patrick have. They walk you through everything and are always there to help and answer your questions. I have learned so much from the calls and am excited to be a part of this community.”
Dr Robert M.
Dentist - Investor
“The Mastermind Group has been very valuable for meeting other like-minded people and for sharing information. I have learned a lot about Notes and feel more confident about Note investing. . I highly recommend becoming involved in the community.”
More Testimonials
Devinder Khera
Campbell Cobb
Len Murphy
Diana Bonacasa
Pat Crowder
Kent Mc Guire
Meet Your Instructors
Desi Arnaz
Desi Arnaz is a Professional Investor & Co-founder of the Note Investor University. He teaches investors how to safely & profitably invest in mortgage-backed Promissory Notes. He is also the Managing Partner of the Everly Mae Real Estate Fund, a $20Million hedge fund that sells notes to individual investors and to other funds. Desi is a frequent guest speaker at Note Investing Conferences and REIA Meetings nationwide. He has been a full-time Investor and Real Estate Broker since 1982. However, after discovering note investing in 2013, he and his wife Patricia decided to liquidate their “brick & mortar” real estate portfolio and go all-in on the “paper” side of real estate. Desi loves Note investing and freely shares his knowledge & experience on his website and Youtube channel. You will enjoy his stories as he shares real life case studies and valuable techniques.
"As a student of the Note Investor University, you will learn all of the skills, techniques and strategies that are taught in programs costing $10,000 to $30,000. My objective is to help more people obtain financial freedom as Note Investors. Note Investing has provided me with complete financial freedom... I want to "pay it forward".-Desi Arnaz
Patrick Franz
Professional Investor & Coach
Patrick Franz is a visionary investor, educator, and financial strategist renowned for helping everyday people break free from the financial matrix through creative and unconventional investing. With a background in high-ticket sales and a passion for personal growth, Patrick walked away from a 16-year career to forge a path in real estate and private lending—ultimately discovering one of the most powerful and overlooked investment strategies in modern finance: mortgage note investing.
As the founder of the “Invest Brilliantly” movement and co-creator of the Rhino Method, Patrick has taught thousands of entrepreneurs, real estate professionals, and aspiring investors how to generate passive income, build generational wealth, and take full control of their financial destiny. His educational platform, Note Investor University, provides step-by-step mentorship for those ready to transition from active income earners to true wealth builders.
Patrick’s story is one of bold reinvention, purpose-driven mentorship, and unwavering commitment to empowering others. Whether he’s speaking on stage, hosting a workshop, or working one-on-one with coaching clients, Patrick brings passion, integrity, and a refreshing perspective on what it really means to achieve financial freedom.
When he's not leading investments or coaching future wealth-builders, Patrick can be found enjoying life with his family, exploring new adventures, and living proof that financial independence is within reach for those who are brave enough to pursue it.
Meet Patrick Franz
Professional Investor & Coach
Patrick Franz is a visionary investor, educator, and financial strategist renowned for helping everyday people break free from the financial matrix through creative and unconventional investing. With a background in high-ticket sales and a passion for personal growth, Patrick walked away from a 16-year career to forge a path in real estate and private lending—ultimately discovering one of the most powerful and overlooked investment strategies in modern finance: mortgage note investing.
As the founder of the “Invest Brilliantly” movement and co-creator of the Rhino Method, Patrick has taught thousands of entrepreneurs, real estate professionals, and aspiring investors how to generate passive income, build generational wealth, and take full control of their financial destiny. His educational platform, Note Investor University, provides step-by-step mentorship for those ready to transition from active income earners to true wealth builders.
Patrick’s story is one of bold reinvention, purpose-driven mentorship, and unwavering commitment to empowering others. Whether he’s speaking on stage, hosting a workshop, or working one-on-one with coaching clients, Patrick brings passion, integrity, and a refreshing perspective on what it really means to achieve financial freedom.
When he's not leading investments or coaching future wealth-builders, Patrick can be found enjoying life with his family, exploring new adventures, and living proof that financial independence is within reach for those who are brave enough to pursue it.
More Testimonials
Devinder Khera
Campbell Cobb
Len Murphy
Diana Bonacasa
Pat Crowder
Kent McGuire
FOR A LIMITED TIME, SEIZE THE OPPORTUNITY TO JOIN THE
PROFESSIONAL NOTE INVESTOR PROGRAM
Discover Note Investing: Real Estate’s Best-Kept Secret
ONE TIME PAYMENT
$7,997
PAYMENT PLAN
PAY OVER 4 MONTHS
$2,000/mo.
7-Day Money-Back Guarantee
We stand by the value and quality of the Note Professional Program. That's why we offer a 7- day money-back guarantee. If you sign up and find that the program doesn't meet your expectations, simply let us know within the first 7 days, and we'll refund your payment in full. No questions asked. This risk-free offer allows you to explore the extensive resources, training, and support we provide, ensuring your complete satisfaction before making a long-term commitment. Join today with confidence!
Book Your 15-Minute
No-Obligation Strategy Session
During this focused 15-minute session, our note investing expert will provide you with a customized roadmap to success in mortgage note investing based on your unique financial situation and goals.
What You'll Get From
Your Strategy Session:
Custom Note Investing Roadmap - We'll outline the exact steps you need to take to start building your note portfolio
Risk Assessment Analysis - Discover your ideal risk tolerance and how to select notes that match your comfort level
Capital Requirement Breakdown - Learn exactly how much you need to get started (it's probably less than you think)
Timeline to First Deal - Get a realistic timeline for completing your first profitable note transaction
Potential ROI Projections - See the actual numbers behind successful note investments based on current market conditions
Common Mistake Prevention - Learn the costly pitfalls that most new note investors make and how to avoid them
This website is operated and maintained by Note Investor University.
Use of this website is governed by its Terms of Service, DMCA Policy, and Privacy Policy
Note Investor University is an education and training company specializing in mortgage note investing. We do not sell a business opportunity, a “get rich quick” program, or a guaranteed money-making system. Our training is designed to provide educational resources on mortgage note investing, but we do not guarantee financial success or specific investment outcomes. We do not make earnings claims, effort claims, or representations that our training will result in financial gains. All content is protected by copyright, and any unauthorized duplication, reproduction, or distribution is strictly prohibited.
Investment Risk Acknowledgment: Investing in mortgage notes, like any investment, carries inherent risks, and it is possible to lose some or all of your investment. The strategies taught in our programs are general in nature and may not be suitable for every individual or situation. We do not provide personalized financial, legal, or investment advice. We make no representations about the probability that any actual or hypothetical investment will achieve a particular result.
Testimonials & Success Stories: Any testimonials, case studies, or success stories shared on this site represent individual experiences and do not guarantee similar results. Outcomes vary and depend on multiple factors, including individual effort, skill level, market conditions, and other external variables. Many participants may not implement the training or may experience different levels of success.
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For inquiries, please contact: Note Investor University