Want a way to buy very safe, very profitable real estate notes… and recoup ALL of your capital within 90 days while still receiving zero-risk profits for years to come?  I’m Bryan Ellis.  I’ll tell you how to do it RIGHT NOW in Episode 145.----Hello SDI Nation!  Welcome to the podcast of record for savvy, self-directed investors like you!Here’s a shout out to Julie Blackwell, who just yesterday and without any prompting, gave this show a 5-star rating on iTunes and left this review… she said:  “This is the best and most honest investment advice I’ve ever listened to.  Thanks so much!”Julie… THANK YOU… I’m so grateful to you.  Please do me a favor, Julie… drop an email to me at feedback@sdiradio.com.   I’ve got a special thank-you gift I’d like to give you for giving this show such a nice, unsolicited rating on iTunes.  I look forward to showing you my appreciation!Oh… that goes for the rest of you, too…  if you’ve not already given this show a 5-star rating on iTunes, I’d be really grateful if you’d do that right away.  As soon as you’ve done so, just email me at feedback@sdiradio.com and I’ll send you a very nice thank-you gift too!My friends, I’ve got a VERY powerful concept to share with you today.  You’re going to love it.  It’s a bit advanced, and I won’t mislead you:  It takes some effort.  But the payoff is astounding.  Basically, it’s a way to get high-value real estate cash flow assets at absolutely no cost.  It’s not a zero-down strategy, as you’ve got to have capital to get into the deal and hold it for a time – frequently under 3-6 months – but after that, you get most or all of your capital back, there’s no longer any risk to your capital, and you still get to enjoy a substantial flow stream for years to come.Here’s how it works:This strategy involves real estate NOTES, which are loans used to purchase real estate.  For example:  Imagine a guy named Bob Borrower, who buys a $100,000 house by putting up $20,000 in cash and borrowing $80,000.  The document Bob signs that specifies his repayment terms is called a “promissory note”, or “note” for short.So here’s a really, really simplified version of this strategy.Let’s imagine that Bob has paid his mortgage very reliably for 4 ½ years, but 6 months ago he lost his job, and in the time since, he’s only made a couple of payments.  Thus, he’s defaulting on his loan and on the path to foreclosure.That’s a problem for his lender, because with every missed payment, the value of that loan declines, and the lender knows it.  Furthermore, foreclosures are to lenders like Kryptonite is to Superman:  Something to avoid at nearly any cost.Thus, maybe some smart investors – say you and me, for example – we contact the lender and offer to buy that defaulted note.  If Bob had made all of his payments on time, the note would probably have a balance of around, say, $73,000.  But since the note is in arrears and headed towards foreclosure, you and I offer the lender $60,000 – and they take it.But you and I chose to take the risk of buying that defaulting note for two really excellent reasons:First, we analyzed the payment history and looked into Bob Borrower a bit.  We discovered he was always completely reliable prior to losing his job, and we have every reason to believe he’ll resume those payments when he finds a job again… which you and I believe to be likely.And Secondly, even if Bob never gets another job, our money is still safe, because our $60,000 is secured by a house worth $100,000.  If nothing else, we can sell that house, get our money back, and probably even make a profit that way.  So to me and you, there’s really not a huge amount of risk.So we buy that loan for $60,000 and we set out to work with Bob to get him back on track.  Sure enough, he gets another job, and you and I amend his loans to put the missed payments at the end and let Bob begin again with a “clean slate”.And now, what you and I have is called a “reperforming” loan.  Before Bob missed payments, his loa