Payment amount. What is the payment amount on the note?

"I have a note that I want to sell. The balance is $89,213.44.

The monthly payment amount is $541.08. Is this a valuable note?"

A: It would be a lot more valuable if the payment amount was $925.

To a note buyer, the yield that is earned on the invested money is a function of
"how quickly are you paid back."

So, the quicker you are paid back, the higher the yield on the note investment.

In the above example, the lower monthly payment amount of $541.08 means it will take
349 months to pay off the entire balance at 6% interest.

Using the same principal balance and interest rate, the loan is paid off in only 132 months at a
monthly payment amount of $925.

The note buyer is paid off over 18 years quicker with the higher monthly payment amount!

Moral of the story: The higher the monthly payment amount, the better for the note buyer. And, the more valuable your real estate note will be, should you decide to sell the note.