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Finally, an avenue for investors to make significant, secured returns not tied to Wall Street and without the hassles of property management.

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Discover how you can generate passive income while diversifying your portfolio. Investing in mortgage notes allows you to take on the role of the lender, offering the potential for higher returns than traditional investments and reducing the risks associated with property ownership.

Whether you’re a passive investor seeking hands-off consistent returns, a hybrid investor wanting control without operational hassles, or an active investor building your own portfolio, mortgage note investing provides unmatched flexibility. Learn more about all of the mortgage note investment opportunities Labrador Lending provides to investors.

Investment Opportunities
Labrador Lending - Mortgage Note Investing Made Simple

Mortgage Note Investing Made Simple

Choose Your Path to Financial Freedom

Whether you're seeking monthly distributions through our mortgage note fund, strategic control through asset management, or hands-on expertise through personalized mentorship, Labrador Lending provides the strategy and support you need.

Learn About the Fund Learn About Asset Management Learn About Mentorship

Diversify Your Portfolio with Mortgage Note Investing

Discover how mortgage note investing can diversify your portfolio with consistent returns backed by real estate—not Wall Street volatility. Step into the lender's role and earn higher potential returns without the hassles of property management.

Whether you're a passive investor seeking hands-off monthly distributions, a hybrid investor wanting control without operational hassles, or an active investor building your own portfolio, Labrador Lending provides tailored solutions for every strategy.

Mortgage note investing offers the flexibility to match your investment goals—secured by real estate, independent from market swings. Explore all investment opportunities and find your perfect fit.

Not Sure Which Path Is Right for You?

Take our 60-second quiz to discover your ideal investment strategy

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Question 1 of 4

How much time do you want to spend managing your investments?

What's your investor accreditation status?

What's your primary investment goal?

What's your experience with real estate or note investing?

You're a Perfect Fit for Passive Investing!

Integrity Income Fund

Based on your answers, you're looking for hands-off monthly income without the hassles of property management. Our fund provides consistent distributions backed by real estate.

  • ✓ 8-10% targeted annual returns
  • ✓ Monthly distributions
  • ✓ Zero missed distributions for 3.5+ years
  • ✓ Fully managed portfolio
Learn More About This Path See All Investment Options

Three Ways to Invest in Mortgage Notes

Choose the approach that aligns with your goals, experience level, and investment style

FOR PASSIVE INVESTORS

Integrity Income Fund

A Mortgage Note Fund for Accredited Investors

8–10%
Targeted Annual Preferred Return
3.5+ Years
Zero Missed Distributions
Monthly
Consistent Distributions
12-Month
Commitment Period
  • Hands-off investing — No property management hassles
  • First-lien residential mortgage notes backed by real estate
  • Monthly distributions for consistent cash flow
  • Diversified portfolio across multiple notes and regions
  • No fund-level leverage for conservative risk management
  • Tax-Advantaged Investing — Pairs well with tax-advantaged retirement accounts. Invest via self-directed IRAs or Solo 401(k)s — traditional (tax-deferred) or Roth (tax-free) — to pursue tax-deferred or tax-free compounding. Consult your tax advisor.
Explore the Fund Download Fund Overview (PDF)
FOR HYBRID INVESTORS

Asset Management Service

Own Your Notes, Outsource the Operations

Variable
Returns Based on Selection
Direct
Asset Ownership
Full
Operational Support
Flexible
Buy/Sell Timeline
  • Own and control your notes with full transparency
  • Choose your markets and investment strategies
  • Outsource day-to-day operations (servicing, collections, legal)
  • Keep decision-making power without operational burden
  • Professional oversight and portfolio optimization
  • Available for both accredited and non-accredited investors
Explore Asset Management
FOR ACTIVE INVESTORS

Note Investing Mentorship

Personalized One-on-One Guidance

$150/hr
Affordable Hourly Rate
1-on-1
Personalized Sessions
Expert
Seasoned Mentors
Community
Private Hub Access
  • Tailored guidance aligned to your goals and skill level
  • Direct deal analysis and due diligence support
  • Trusted vendor network access (attorneys, servicers, title)
  • Private community hub with resources and tools
  • Monthly webinars and educational content
  • Ongoing support throughout your investing journey
Explore Mentorship Download Mentorship Overview (PDF)

Ready to Get Started?

Explore all investment opportunities and find the perfect fit for your financial goals.

View All Investment Options
Limited Time Offer - Integrity Income Fund
LIMITED TIME OFFER

Start Earning in February

Don't miss your March 1st distribution

Invest in the Integrity Income Fund before January 31st and begin earning your 8-10% annual preferred return starting in February. Your first monthly distribution arrives March 1st.

Secure your passive income stream in 2026.

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Invest Before January 31st Download Fund Overview
Investment Details: The Integrity Income Fund offers 8-10% targeted annual preferred returns based on investment amount ($25,000 minimum investment required). Investments made before the end of each month begin earning the following month, with the first distribution paid on the 1st of the subsequent month. For example, investments made in January begin earning in February with the first distribution on March 1st. This is an investment opportunity for accredited investors only. Targeted returns are not guaranteed. Please review the offering documents for complete information about risks, fees, and investment terms.
ATTENTION INVESTORS:

Invest in secured returns

There is a different way to invest in real estate. By becoming the bank, we turn problems into wealth-building opportunities for investors and homeowners.
We truly believe in win-win solutions. By partnering with investors and homeowners, Labrador Lending, LLC provides an avenue for:

  • Investors and partners to make significant, secured returns not tied to Wall Street and without the headaches of tenants and toilets
  • Homeowners to build equity and keep the American dream alive.
More aBout Us
At Labrador Lending, our mission is to provide you with the resources and guidance needed to achieve your financial goals. We are proud to offer a wide range of services—some directly and others through trusted partnerships—designed to help you maximize your wealth and simplify your investment journey.

Labrador Lending’s 3 Core Services

Integrity Income Fund

Passive monthly income targeting preferred returns of 10% for $100k+ investments and 8% for $25k–$99k.

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1-on-1 Note Investing Mentorship

Personalized coaching to raise capital, find note and scale your business.

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Asset Management Service

Professional oversight and optimization of mortgage note assets to maximize performance, ensure compliance, and protect investor capital.

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Why Mortgage Notes?

CONVENIENT

INVEST FROM ANYWHERE

If you have access to the Internet, mortgage notes allow you to work from anywhere.

SECURE

COLLATERAL

Unlike stocks and other traditional investment vehicles, mortgage notes are secured by the value of the property.

Passive

NO TENANTS OR TOILETS

Note investing requires no physical labor. By becoming the bank, you avoid having the headaches of tenants, toilets, and trash.

Our approach

We help you add value where it matters most.

Free 74-Page Ebook on Note Investing
Jamie, your mentorship has been invaluable. Your customized guidance addresses my specific challenges, such as deal flow optimization and improving deal quality. I anticipate continued support as I refine processes and scale with private capital. Additionally, your one-on-one mentorship bridges the gap between structured courses and group mentorship, providing personalized guidance tailored to my specific needs. Thank you for your invaluable support!
Jeff VincentMentorship Client
The Integrity Income Fund's commitment to maintaining the highest standards of integrity and transparency has been truly impressive. Their team communicates effectively, providing insightful updates that keep me informed about my investment. They have not only met but exceeded my expectations, making them a trusted partner in my financial growth. I highly recommend their mortgage note fund to anyone seeking a reliable and profitable investment opportunity.
Dylan ReachIntegrity Income Fund Investor
Jamie is very professional and easy to work with. He answered all of my questions about the process of buying partial notes, and the experience has been quite passive for me. He communicates well and is consistent, which has made my note investing extremely smooth and hands-off. If I decide to purchase more partials, Labrador Lending will be at the top of my list.
Eric R. Smith
MORTGAGE NOTE INVESTMENT PROCESS

Start Investing Now!

1

Contact us easily online or over the phone. We'll reach out within 24 hours to schedule a longer consultation.
Get in Touch

2

During our consultation call, we'll discuss topics like your financial goals and investing styles. At the end of the call we'll have an action plan in place.
Consultation and Plan

3

We'll implement your investing plan. We periodically refactor your plan as your financial and life goals change. If you have any questions, we're always a phone call away.
Enjoy Easy Income
Let's Chat about Mortgage Note Investing
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SMART INVESTMENT OPPORTUNITIES

What We Do

Passive Investing

Backed by the experience of Labrador Lending, this opportunity gives investors access to professional managers. Ideally suited for passive investors with moderate to high capital contributions. 

Active Investing

Our mentorship opportunity aims to cultivate the next wave of educated note investors. We provide consulting/coaching services to the note investor on an as-needed, hourly basis versus charging a large up-front fee. This program is ideally suited to those looking to gain hands-on experience in mortgage-note investing while having an experienced investor guide them along the way.

BIFI Loan Servicing

As investors and expert service providers ourselves, we know what it’s like to be on both sides of the table. BIFI was created to address the “pain points” caused by the industry-standard way of servicing loans. Our all-in-one business model provides a smoother, friendlier, and easier process for all of our clients.

Learn more about bifi
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Let's Chat

We’re here to help you navigate the ins and out of mortgage note investing. Contact us today to create a plan!

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