The 3-Day Live Note Investor Challenge
Build Real Estate-Backed Income Without Becoming a Landlord.
Leave with a step-by-step 90-day plan for putting your first or next mortgage note into your portfolio.
Learn how investors use mortgage notes to create contractual income from real estate — then build your own strategy for what to buy, what to pass on, and what to do next.
LIVE + VIRTUAL | 3 DAYS | FROM $67AUGUST 5–7, 20264PM CT DAILY
JOIN THE 3-DAY CHALLENGE →Spots are limited — secure your place now.
What If You Could Get the Income Side of Real Estate Without Taking On the Landlord Job?
Most people think there is only one way to make money from real estate:
- Buy a property.
- Find a tenant.
- Collect rent.
- Handle repairs.
- Deal with vacancies.
- Repeat.
But there is another side of the transaction.
Every month, homeowners make mortgage payments. Someone owns the right to collect those payments.
Banks do it. Institutional investors do it.
And individual investors can participate on that side of real estate too.
It is called mortgage note investing.
Instead of owning the house, you own the debt secured by the house.
The homeowner owns and lives in the property. You sit on the lender side of the transaction.
That means you can participate in real estate without taking on the same responsibilities as a landlord.
And once you understand that, the next question becomes:
“How do I know what kind of note I would actually buy?”
That is what this challenge is designed to help you answer.
Contractual income: the same payment, on the same date, every month.
In 3 Days, You Will Go From Curious About Note Investing to Having a Clear Investment Strategy
You do not need to become an expert in three days.
You do need to leave knowing:
What Fits You
What type of note strategy makes sense for your money, goals, risk tolerance, and available time.
What Is Worth Pursuing
How to look at a real mortgage note and decide whether it deserves more diligence, should be passed on, or needs more information.
What to Do Next
How to turn what you learned into a practical 90-day plan instead of letting another investment idea sit on your list for someday.
By the end of the challenge, you will have:
- A personal note investing strategy
- A written buy box
- A repeatable deal-screening framework
- Hands-on experience analyzing real deals
- A 90-day action plan
Knowing What a Mortgage Note Is Isn't the Same as Knowing What to Buy
A mortgage note may sound simple.
A borrower owes money. The loan is secured by real property. The investor receives payments.
But when a real opportunity lands in front of you, the questions get harder.
Is this actually a good deal?
Does it fit my goals?
What should I look at besides the interest rate?
What am I missing?
How much would I pay?
What happens if the borrower stops paying?
Should I buy, pass, or investigate further?
That is where information stops being enough.
You need a decision process.
That is what we are building together.
Here Is Exactly What We Will Accomplish Over 3 Days
Day 1
Wednesday, August 5 @ 4PM CT
Know Exactly What You Are Looking For
Outcome: Your personal note investing strategy and buy box.
We take your money, your goals, and your risk tolerance and turn them into your personal note buy box.
No more looking at every deal that crosses your screen. You will know exactly what you are hunting for — and what gets an automatic no.
You leave this day able to say:
“I know what I am looking for, what I am not looking for, and what fits my money and goals.”
Day 2
Thursday, August 6 @ 4PM CT
Know Whether a Deal Is Worth Pursuing
Outcome: Analyze a real mortgage note like an experienced investor.
You will work through a real anonymized mortgage note deal using the same simple screen experienced investors run before they put money at risk.
Then you make the call — before I show you mine.
You leave this day able to say:
“I can look at a note and know what I need to understand before deciding whether it deserves my money.”
Day 3
Friday, August 7 @ 4PM CT
Know Exactly What to Do Next
Outcome: Make an independent decision and build your 90-day action plan.
A new deal. No walkthrough this time. You decide — then we break it down together.
And we turn everything you learned into your step-by-step 90-day note investor action plan.
You leave this day able to say:
“I know what I want, how I evaluate it, and what I need to do next.”
Spots are limited — secure your place now.
This Is for You If...
- You want real estate-backed income without becoming a landlord
- You are curious about alternatives to traditional rentals
- You want to understand the lender side of real estate
- You have capital you want to deploy more intentionally
- You want to know what makes one mortgage note different from another
- You want to learn how experienced investors think before they put money at risk
- You want a practical strategy instead of more random information
- You want to leave with a clear next step
This Is Probably Not for You If...
- You want a get-rich-quick strategy
- You want guaranteed returns
- You expect someone else to make every decision for you
- You only care about the highest possible yield
- You are unwilling to do due diligence
- You want to blindly copy someone else's strategy without understanding why it works
- You have no interest in learning how active note investors evaluate opportunities
There is nothing wrong with preferring passive investments. This challenge is specifically designed for people who want to better understand how to evaluate and potentially acquire mortgage notes themselves.
Your Challenge Host
Why Learn From Sierra Davis
I am Sierra Davis.
I am a former data scientist turned full-time investor, asset manager, and founder of Essential Investment Group.
I began studying mortgage notes in 2017.
Since then, I have:
- Bought mortgage notes
- Created seller-financed notes
- Managed performing loans
- Managed loans that stopped performing
- Worked through defaults and resolutions
- Raised and managed private capital
- Built systems for underwriting and asset management
- Left my corporate career to build my investment company full time
My background in data science influences the way I invest.
I like structure. I like numbers. I like knowing why something works.
But years of investing have taught me something important:
“The spreadsheet is only the beginning.”
Real investing requires judgment.
Borrowers stop paying. Documents are missing. Property values change. Deals that look great at first fall apart during due diligence.
And sometimes the best investment decision is simply:
“No.”
That is the part I want to help you understand.
Not just how to calculate a return.
How to think.
My Core Investing Principle
Underwrite the downside before you fall in love with the upside.
Before I ask:
“How much can I make?”
I want to understand:
“How do I get my money back?”
That means looking at:
The goal is not to eliminate risk. No investment can do that.
The goal is to understand what you are being paid for and what protects you if the original plan does not work.
What Past Attendees Are Saying
Real People. Real Clarity. Real Results.
Eliecer T.
“I can determine whether a deal is good or not”
I learned how to find deals online, how to evaluate them using the right criteria, and I actually feel confident now. For the first time, I can determine whether a deal is good or not and I'm ready to start investing passively.
Anne B.
“I feel confident evaluating deals on my own”
Before working with Sierra, I honestly felt completely lost when it came to note investing. I'd heard the terminology, but I didn't understand the process, the risks, or even where to start. For the first time, I feel confident evaluating deals on my own and understanding why something is or isn't a fit. Sierra gave me the knowledge, the confidence, and the structure I needed to actually start taking action instead of feeling overwhelmed.
Ivy W.
“I now feel confident about building my buy box”
I gained clarity by looking at real notes and seeing how everything works. I now feel confident about building my buy box and taking the next steps.
Kash J.
“I walked away with clarity and confidence”
I genuinely had no idea how powerful and accessible note investing could be until you broke it down step-by-step, from the fundamentals, to analyzing notes, to understanding the real benefits, and even showing me where to find quality opportunities. Your teaching style made everything easy to grasp, and the way you shared your own experience and insights really brought the concepts to life. I walked away with clarity, confidence, and a solid foundation to start exploring this space.
Here's What You Get
AUGUST 5–7, 2026 4PM CT DAILY
Spots are limited — secure your place now.
Most Popular
VIP Experience
$97
- Everything in General Admission
- 30 minutes of LIVE pre-session Q&A with Sierra before each day of the challenge — bring your questions and get answers live ($10,000 Value)
General Admission
$67
- LIVE access to all 3 challenge training sessions in the private challenge community (replay available for 24 hours)
- 3 days of live training with Sierra
- Access to the challenge recordings for the duration of the challenge
- Challenge workbook, buy box builder + real deal packets
Secure Your Spot In The Challenge
AUGUST 5–7, 2026 4PM CT DAILY
Limited Spots Available
Spots are limited. Choose your pass and enter your details below — you will receive your access and challenge materials by email.
By placing this order, you agree to our Terms of Service and Privacy Policy. Your payment is processed securely by Stripe. This challenge is for educational purposes only and is not financial, legal, or tax advice.