## 💸A Monthly Salary from Dividends? 3 Things You Must Know Before Investing in AGNC (ft. Mortgage REITs) ### 1. What Exactly is AGNC? Understanding the Core of a Mortgage REIT If you're looking for monthly dividend stocks in the U.S. market, you've likely come across the name AGNC Investment Corp. (AGNC) . AGNC is a unique type of Real Estate Investment Trust (REIT) known as a 'Mortgage REIT.' Unlike traditional REITs that own and lease physical properties like buildings and shopping malls, AGNC generates its revenue by investing in mortgage-backed securities (MBS) , which are essentially bonds backed by home loans. AGNC's revenue model is straightforward: it borrows money at low short-term interest rates and uses that capital to purchase MBS with higher long-term interest rates. The difference between the interest it earns and the interest it pays is its primary source of income, known as the Net Interest Spread . Since REITs are legally required to distribute ...