The Passive Income Network helps investors earn income like the banks do, through promissory note investing backed by affordable owner-occupied homes. Our passive income investments are fully managed, making your experience truly passive while generating regular retirement income. Book a consultation or join our monthly webinar today and start building your retirement income stream.
For many retirees, the fear of outliving their savings is very real. The Passive Income Network solves this problem by providing predictable, monthly cash flow through promissory note investments in affordable owner-occupied homes, collateralized, compliant, and managed for you to avoid the headaches of other real estate investments.
We know many opportunities for passive income investments are vying for your attention. Here are the reasons investors across the country trust us to help them grow reliable income.
Many of the homes we finance are located in new neighborhoods in the fast-growing Arizona market.
Becoming a part of the Passive Income Network is a straightforward and rewarding process. Here’s how it works:
Reach out to the Passive Income Network to express your interest in joining.
We’ll schedule a short interview to ensure we’re the right fit for each other.
After joining and paying a membership fee, you’ll start receiving our PIN Opportunity Sheet. If you're interested in a particular opportunity, simply reply to express interest. To keep things fair, the opportunity is awarded to the member who has gone the longest without purchasing a note. In the case of a tie, priority goes to the member with the lower member number. This process ensures fair access for new and seasoned investors alike.
Once you select a note, we take care of everything from payment collection to escrow for taxes and insurance. Then, we send you your principal and interest payment.
Our clients appreciate the simplicity, transparency, and results the Passive Income Network provides. Learn more about their experiences with our services.
Take the first step toward a simple, consistent monthly income source. Book your consultation or register for the “Power of Private Lending” monthly webinar today, because passive income should really be passive.
There is no guarantee any investor will achieve set profits. This is not an offer or solicitation to buy or sell securities.
Considering an investment with the Passive Income Network? Here are the most common questions about passive income investments and how our process works.
Promissory note investing involves lending money secured by physical collateral such as a home, car, boat, or even furniture and electronic equipment. Investors receive monthly principal and interest payments, similar to how banks earn income.
Start by booking a consultation. After a short interview and membership confirmation, you’ll begin receiving deal opportunities throughout the year.
The minimum investment is typically $75,000–$80,000, reflecting our average loan amount, though loans as low as $40,000 are occasionally available. We don’t pool investments; you fund the entire loan for a deal that meets your criteria, giving you full control over your investment.
Private lending with us is a capital preservation strategy, offering stable but not speculative returns of 6–10%.
Yes, you can invest using a self-directed retirement account that allows alternative investments like private lending or real estate. Contact your custodian to confirm eligibility. Traditional investment accounts (e.g., Fidelity, Schwab) typically limit investments to stocks, bonds, or mutual funds, but self-directed accounts offer greater flexibility.
Yes. Every loan complies with federal lending regulations and is secured by an affordable owner-occupied home, providing an added layer of protection.
No investment is guaranteed, and you assume the risk of non-payment once you own the long term borrower note. If a home is repossessed, you may incur carrying costs (e.g., lot rent, utilities, insurance, taxes, maintenance) until resale. To minimize risk, we:
No. Our note servicing team handles everything, from homeowner communication to payment collection, so your income is truly passive.
No. Each investor owns their individual note, giving you full transparency and control.
The answer is a resounding yes for the following reasons
We finance factory-built manufactured homes, not mobile homes or trailers. Once delivered, these homes are permanently affixed to the site by removing the wheels and tongue (the towing hitch) and securing them with strapping. Moving a home is rare, costly ($8,000–$20,000), and requires lienholder notification, ensuring the home stays in place.
Manufactured homes in well-maintained communities with desirable amenities often appreciate due to high demand and limited supply. However, homes in poorly maintained communities may depreciate. We mitigate this by only financing homes in high-quality communities where demand supports value retention or growth.
Your investment is secured by a chattel loan, which is a loan on the manufactured home itself (personal property, not real estate). In Arizona, we hold a lien on the home’s title, similar to a car loan, and retain the original title until the loan is fully repaid.
Since our loans are on manufactured homes (personal property, not real estate), foreclosure doesn’t apply. If a borrower stops paying, we repossess the home through a straightforward legal process. If the borrower remains in the home, they are evicted, similar to a tenant eviction.
If a borrower misses payments, we work with them to resume payments. If that’s not feasible, we legally repossess the home, obtaining a new title listing us as the owner. We then consult with you to decide the next steps, such as reselling the home, and the timeline for action.
Our underwriting minimizes defaults by financing homes in top-tier communities, approving only post-1990 homes in good condition, and qualifying borrowers based on credit, income, debt-to-income ratio, 10% down payment, and federal repayment guidelines. However, if a borrower defaults due to life events (e.g., divorce, job loss), we repossess the home, make necessary repairs, and resell it. You or our company may cover carrying costs (e.g., lot rent, repairs) during resale, depending on your level of loan participation.
If a borrower fails to maintain homeowners’ insurance, we purchase forced-place insurance to protect the home (the loan collateral), ensuring your investment remains secure.
Our team is ready to answer your questions.
