Porch Swing Funding is a private note buying company that works directly with seller-financed real estate note holders across all 50 states. Since 2017, we have worked directly and personally with note holders who want to convert their future monthly payments into a lump sum of cash today. We buy mortgage notes, deeds of trust, land contracts, contracts for deed, promissory notes, and real estate contracts of all types.
Who We Are
Marco Bario founded Porch Swing Funding in 2017 after making a full pivot from a career in Hollywood film and television into real estate investing. He discovered the note space, recognized it for what it was, and has been buying notes ever since. Marco is the customer-facing partner. When you reach out to Porch Swing Funding, you are talking to him. He brings the note investing experience, handles acquisitions and deal structuring, and is the one walking alongside you throughout the process.
A few years ago, Tracy Neill joined Marco as a partner, and the business is stronger for it. Tracy runs operations, finance, and administration – the work that keeps every transaction moving cleanly and every commitment kept on time.
Marco publishes Seller Financing Sunday, recognized as the Best Note Industry Newsletter at the NoteInvestor.com Best of Notes in 2025. He co-leads Nothing but Notes, the sole note investing focus group for COREE, REIAGC, and NCREIA that has won Best Local REIA Note Investing and Buying Sub Group at the NoteInvestor.com Best of Notes for two consecutive years. And he co-leads Mid-Maryland Real Estate Investors which brings together investors from across Frederick County, Maryland and the surrounding areas for in-person networking, learning, and growth.
All three keep him sharp, current, and deeply connected to the note investing community.
In May 2026, Marco and Tracy were featured in Business Insider on how landlords are using seller financing as rents soften.
Together, Marco and Tracy have built a note buying business grounded in real experience, honest communication, and genuine care for the people they work with.
Who We Work With
Most of the people who contact us sold a property with seller financing and have been collecting monthly payments from the buyer ever since. They are retirees who want to simplify their finances. Families settling an estate. Landlords who are ready to stop managing paperwork. People who have a financial opportunity in front of them and need access to cash they cannot reach yet.
They made a good decision when they carried back the financing. Now their situation has changed, or they are simply ready to move on. That is where we come in.
What We Buy
We purchase all types of seller-financed real estate notes, including:
- Private mortgage notes
- Promissory notes
- Deeds of trust
- Land contracts
- Contracts for deed
- Real estate contracts
- Bond for deed agreements
If you sold a property and are currently collecting payments from the buyer, there is a good chance we can help.
How It Works
Getting a quote costs nothing and takes a few minutes. You share some basic information about your note, and we get back to you with an offer. You are never obligated to move forward.
If you decide to sell, we handle everything from there. We order the title report, arrange the appraisal, and cover the closing costs. Most note sales close in about 30 days. We keep you informed at every step and make sure the transition is smooth for your borrower as well.
We also offer partial purchases for note holders who want to take some cash now and continue collecting the remainder later. If that option makes sense for your situation, we will walk you through how it works.
What We Stand For
Integrity first.
We say what we mean and do what we say. If your note is not a fit, we will tell you. If something changes during due diligence, we will explain exactly why. No surprises, no runaround.
Respect and care about others.
Selling a note is often one of the more significant financial decisions a person makes. We treat every conversation with the seriousness it deserves and make sure you feel informed, not pressured.
Safeguard resources and invest with discipline.
We buy notes we believe in and price them honestly. That discipline protects you as a seller, because we only commit to transactions we can close.
Win as a team.
This applies between Marco and Tracy, and it applies to every person we work with. A good transaction is one where everyone walks away feeling right about it.
Strive to be better every day.
We have been buying notes since 2017 and we are still learning. The market changes, note holders’ situations vary, and staying sharp is part of the job.
Have fun. Enjoy the work. Set the tone.
We take this business seriously. We also genuinely enjoy it — the people, the notes, the puzzle of each deal. That tends to come through in every conversation.
Talk to Our Real Estate Note Buyers
If you hold a seller-financed real estate note and want to understand what it is worth, reach out today. No pressure. No cost. Just a plain-English conversation about your note and your options.