Owner Financing & Note Investing Podcast with Dawn Rickabaugh

https://notequeen.com/blog/sick-of-being-a-landlord-double-your-rent-with-seller-financing/ In this episode: 03:06 - Unlocking Hassle-Free Income: Leveraging Property and Paper 05:46 - Dawn’s Go-To Financial Calculator for Note Investors 07:11 - Analyzing Cash Flow: Rent vs. Seller Financing 14:40 - Mitigating Risk: Optimal Seller Finance Terms and Down Payment Standards 16:51 - Maximizing Security: Cross-Collateralizing Loans 17:42 - Exploring Acquisition: Purchasing a Plumbing Business with Terms 21:36 - LIVE Transaction Review and Calculator Practice: Crafting Favorable Terms for Commercial Property Acquisition 30:32 - The Porter Family's Journey: Setting Up Success with Favorable Terms 38:47 - Strategic Advantage: "Right of First Refusal" in Seller Financing 41:27 - Ninja Note Strategies: Minimizing Capital Gains 52:09 - Continuing Education: Advancing in Seller Financing and Notes

Are there other ways to put deals together that get us around some of the dicey scenarios with real estate and the mortgage industry? We cover a lot of ground in this episode, but an interesting conversation came up about the idea of doing a lease option instead of making a loan. What do you think? In this episode: 01:12 - Invest in yourself. 01:59 - Stay connected to Dawn. 03:02 - Note Deal follow-up: Win-win solution? 04:46 - Foreclosure snag - On title with unwanted property! 09:35 - Disguised mortgage strategy concerns. 19:22 - Asset climate: Dicey? 24:51 - Lender vs. landlord debate. 25:30 - Banks recovering unloaned money. 27:33 - Are mom and pop investors safe carrying paper on their properties? 30:09 - Why isn't owner financing more common? 32:27 - Choosing a good servicing company. 38:55 - Avoid note investing pitfalls - Trust Deed vs. Mortgage states 40:50 - Judicial truncation for vacant properties? 41:41 - Illinois contract for deed - convert to owner financing? 51:35 - Closing reminders for seller financing.

With higher mortgage interest rates, taking over bank loans written at 3% and 4% are all the rage. Everywhere you look investors are getting under contract with subject to seller financing terms, and they flip them to unsuspecting buyers for tens of thousands of dollars. What they fail to realize is that there is 1) a high chance of acceleration (triggering the 'due on sale'), 2) a high chance of getting sued down the road, and 3) a high chance of setting buyers up for financial loss and disappointment. There is only one way to leverage existing institutional financing 100% legally and in a way the guarantees that the loan won't get 'called' or accelerated. I interview Scott Moyes who has the only Title Holding Trust system I would ever use. As investors, let's get deals done, solve problems and make money without creating unnecesssary risk for all parties to the transaction. We need to equitably balance risk and reward, and make sure it's good for everyone now, and down the road.

A new financial paradigm is being built as we speak and I want you to be ready for it. We normally talk about passive income via our property and paper (real estate and note investments), and there are equivalents in the crypto blockchain space. Did you know that Stanford just invested 7% of their endowment funds into Bitcoin? Things are changing, and changing fast.

Sometimes you get to waltz in and be the Knight in Shining Armor in this business. Sometimes you don't, so when it happens, it's always fun to celebrate :) In this episode:

Join me for an amazing exploration with long time real estate investor, Darlene Root, who now helps investors get past what's keeping them from the success they want, whether they want to break into note investing, or take their real estate business to the next level. Read the full transcript at: https://notequeen.com/blog/rooting-out-sabotage-getting-to-your-why-not/

I had a great time talking with Tom and I thought you might want to listen in. I highly suggest you try to attend his last live training in San Antonio, Texas starting on February 29th, 2024. Get your tickets here: https://papersourceseminars.com/. Tom is one of the last salt of the earth veterans of the industry still alive from those few from whom I inherited my values and note business culture. He's funny and oh so smart. The tips and tricks he'll show you will blow your mind!! It's an experience not to be missed!

This Property & Paper LIve was focused on investing in institutional non-performing notes with my co-host, Sri Gandla. It's interesting to hear how he went from an IT professional for Fannie Mae, to buying notes full time. He's a smart guy and has put in a lot of effort to learning about and creating relationships. I learned a lot from him and you will too!! 03:06 - Special guest, Sri Gandla, shares how he got started with note investing? 06:23 - How institutions move paper on the secondary market versus owner carry paper. 11:31 - Palmdale, California Note Deal Review. 25:57 - Licensing requirements to be a debt collector. 30:50 - Overview of Statute of Limitations for Mortgages and Notes. 32:35 - Great resource for any note investment questions - https://www.facebook.com/groups/NoteandRealestateInvesting/ 33:51 - 2024 Market Predictions, following the data. 41:23 - The evolution of note education. 43:48 - Deal Review: Statute of Limitations on a reverse mortgage??? 45:25 - How banks fail and can lose their assets? 49:22 - Carson City, Navada Note Deal Review. 58:19 - What is Dodd-Frank Compliance? 01:01:48 - How to get in touch with Sri Gandla? 01:02:14 - Free Resources from the Note Queen.

In this Property & Paper Live episode, you'll hear questions about note investing, wraps, etc., and hear me calling for custom designer notes! If we manipulate the DNA of a note before it's 'born' (from a seller financed transaction), then we can make sure a note seller gets the best price possible. 00:15 - INTRO: Becoming better Real Estate Investors – spotting opportunities that most people aren't even looking for! 04:35 - Tips for investing in yourself first. 06:05 - Genetically Modified Note Babies?? 08:29 - Proactively identifying weak points in my portfolio 11:32 - It doesn’t matter what the banks are doing! 12:05 - Online updates and more ways to connect 13:00 - Quick thank you to all my LIVE attendees! 13:50 - Attendee Question - Will there be a down market in the next 2-3 years?? 18:00 - Staying out of trouble when doing 'Subject To". There is only one way that is federally compliant and will guarantee that the note won't get called ('accelerated') and it involves the use of a Title Holding Trust with a corporate, non-profit Trustee. 20:12 - Attendee Question - What terms create a note that can sell a front end partial note? 26:13 - Note deal update with long time listener, Suellen. :) 32:42 - Can a title company insure a wrap around mortgage? 33:58 - One of the biggest challenges in the note space. 37:36 - Attendee Question - How do I get started in notes? 45:13 - Getting paid 3 different ways…(1) up front like a Wholesaler, (2) every month like a Lender and (3) a bonus at the end like a Note Queen! 47:53 - Difference between an Active Investors vs. Passive Investors. 50:36 - Attendee, Suellen shares diamond resources, benefits of obtaining GIA Certifications and book recommendations. 53:04 - More on wraps and safest ways to do 'Subject To' deals

In this episode, you'll get: Mark is our wonderful hot seat participant. He has many questions, but one thing on his mind is figuring out how can help his adult child get into a home, and simultaneously have a great investment for his retirement account. We also discuss the powerful concept of arbitrage.

On this episode, Dawn will review a sample land note with a remaining balance of approximately $10,000, and guest, Chuck Trice was thinking of offering $5,000 representing a 40% return. But depending on the state, it could easily cost $5,000 to remedy a default, plus you have property taxes to keep on top of as well.