For investors

A fixed rate, a named collateral note, a defined maturity.

One partner. One pledged note. One address you can drive past. Everything you lend against is named in your documents and open to inspection.

The product

The hypothecated note

You lend Blalock & Co a fixed amount under a written promissory note. We pledge a specific mortgage note we own — identified by borrower, property, and document — as collateral for your loan.

Interest arrives monthly at a fixed rate. Principal returns at maturity. Your payment doesn't move with the homeowner's balance, the property's value, or our portfolio.

What you hold

Three documents

A promissory note from Blalock & Co, a loan agreement, and a security agreement pledging your collateral. Indiana law, Indiana venue. Attorney-prepared.

Where the collateral sits

Third-party custody

The original pledged instrument sits with an independent custodian, not in our filing cabinet. Possession is what makes a pledge real; independent custody is what lets you verify it.

Also available

Partials and whole notes

Buy a defined block of payments outright, or take assignment of an entire note. Both available — ask on a call.

Your checklist, start to finish

Seven steps from the first phone call to your principal coming back.

  • Discovery call

    20 minutes · just a conversation

    We walk through a note we already own — balance, valuation, pay history, what it's done since. You ask whatever you want.

  • You see the file first

    Before any commitment

    When a note fits, you get the Note Performance Data Sheet: property, valuation basis, investment-to-value (ITV), pay history, and the collateral pledged to you.

  • Documents

    Your attorney is welcome

    Note, loan agreement, security agreement — defining your rate, your term, early payoff, and default. Take them to your own advisor. Take a week.

  • Funding — including from an IRA

    1–2 weeks

    Taxable accounts fund directly. Self-directed retirement accounts fund through your custodian — we work with Advanta IRA and know their paperwork, which is the difference between a two-week close and a two-month one.

  • Monthly payments

    Ongoing · nothing to manage

    A fixed payment arrives on the same date each month by ACH. A licensed third-party servicer collects from the homeowner and produces the underlying record.

  • Reporting

    Monthly

    A PDF statement: payments made to you, the pledged note's balance and pay status, and any delinquency — plus the servicer's own statement, not our summary of it. Straight to your inbox.

  • Maturity

    End of term

    Principal is returned and the pledge is released. If you'd like to go again, you get first look at the next one.

On returns. We are not publishing a rate on this website. Return figures, eligibility and offering language are with securities counsel before they appear anywhere public. For current terms, ask on a call.