Episode 43: Structuring a Loan Modification

Real Estate Note Investing · Jun 11, 2026 · 5m · transcript

Most note investors know a loan modification is the goal — but knowing how to structure one that the borrower can actually stick to is what turns a non-performing loan into a reliable cash flowing asset. In this episode, we break down the modification structures available and how to choose the right one.

🔍 What you'll learn:

✅ When a fully amortized modification makes sense — and why thirty years is the reasonable cap on term

✅ How an interest-only modification keeps payments low enough for a struggling borrower to actually afford them

✅ Why a step rate structure aligns both sides toward the…