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[Music] if you have ever applied for a loan to purchase real estate vehicles or any other asset involving finances you have signed a promissory note if you own a house and you ever borrowed money against it the line of credit is a HELOC homeowners equity line of credit then you signed a promissory note and today were going to talk about buying selling creating promissory notes buying real estate with promissory notes and this doing business of the investment in notes buy notes selling notes trading notes discounting notes and so that is a very big business and we buy and sell promissory notes now promissory notes all have a either a deed of trust or a mortgage and depending on which state youre in and if youre in Colorado then you will its a deed of trust state and so the deed of trust is recorded at the courthouse for the beneficiary and so youve got the payer and the payee and the beneficiary now if the person thats paying the note does not pay the payments then you can request