Looking for help analyzing a deal please

[Greg P.]

Hello, I'm brand new to notes and wondering if these look like good deals.

Non-Performing -
#1 - Principal Balance - $30,062.77 at 11% purchase at $8k - ARV - $135k

Performing -
#2 - Principal Balance- $155,745.61 @2% purchase at $60k - ARV - $100k
#3- Principal Balance - Principal Balance $119,062.23 @3.5% - Purchase price $60k - ARV - $135k

The benefits I think compared to rentals is that there is no tenants, but I'm not sure if banks are willing to refinance notes since I know banks are willing to refinance rental property?

Also, I'm assuming the note holder gets a check in the mail and that is there is no holding costs like taxes, insurance etc like if I was a landlord?

Any advice is appreciated.

Thank you.