Yes, out of every owner financed transaction, a new little note 'baby' is born. Whether it is healthy and strong, or frail and sickly is dependent upon the genetics, the DNA, of the note and the circumstances under which it was conceived.

I guess it's nature vs nurture ;-)

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Another great session where we talk about seller financing and how it connects real estate investing and note investing. All of you make it what it is!!

We are ramping up to be ready for whatever 2025 brings. Creative real estate strategies, especially with knowledge of the secondary market for notes (the note business) will make the difference between those who barely survive and those who thrive.

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What would be more painful? Theoretically missing out on some (maybe phantom?) upside? Or losing the equity you have on the table right now? Even if you wait for prices to go higher, and they do, that will mean everything else will cost a lot more, too, so will you really be that much more ahead?

If you don't feel ready to weather a financial storm, are unsure of your W2 job, etc, it could be time to take some profits off the table. Seller financing could make sense as part of your strategy, but holding some cash could also be a smart idea.

Ideally, you'd be diversified out of the dollar into some precious metals and Bitcoin and other crypto blockchain projects.

https://notequeen.com

https://PropertyAndPaper.com

Real estate sellers, landlords and those who have no equity and just want out from under their payments, this class is for you. Many high equity sellers and tired landlords are de-risking and using the installment sale (IRC 453), seller financing to:

1. sell quickly and easily for the highest possible price
2. defer most of their capital gains (use the 1031 exchange to defer all capital gains)
3. earn interest on the IRS' money
4. have great income for retirement (often much more than you were netting in rent)
5. leave a great inheritance for heirs and beneficiaries
6. access to liquidity... done properly and intentionally, you can sell all or part of the payment stream for cash for little to no discount

Most sellers who offer owner financing have NO IDEA that anyone would want to buy their note. Their real estate agent or broker doesn't tell them, their title company doesn't tell them, their attorney doesn't tell them, their financial advisor doesn't tell them.

They find out several weeks after the closing when they start getting postcards and letters in the mail offering to buy their note. But by then, the value of their note is baked in. The terms can't be modified to make the note more valuable.

This often costs the seller (who traded real estate for a promissory note) tens of thousands, even hundreds of thousands of dollars.

Only someone who regularly buys notes for their own portfolio is qualified to help you and your other trusted advisors create a note that is right for you short term and long term.

Sign up for the Seller Financing Master Class for Sellers at www.Linktr.ee/DawnRickabaugh

This episode is RICH with important information you need to know to survive the note business. Sellers who offer owner financing are far less regulated, especially if you only do a small number of seller carry transactions. But for those buying notes, there's more to know that you might imagine!

Make sure to get these note business insider tips, and pick up a copy of my seller financing course for landlords and other real estate sellers: Seller Financing for Power, Peace and Profits.

To join live and ask your own questions or have your own situation analyzed, be sure to subscribe over at NoteQueen.com

To register for the next upcoming seller financing live call, Property (real estate) & Paper (notes) visit: PropertyAndPaper.com! And visit the Note Queen store to see what we have to offer:

https://notequeen.com/shop 

Jeff brings up a good point here... attorneys, title companies and real estate brokers might know how to walk you through the mechanics of a seller financed real estate transaction, but unless they actively buy mortgage notes for their own portfolio, they don't know how to help you put the deal together in a way that makes it the most valuable... they have NO IDEA what your note would sell for on the secondary note business market.

Loan originators and licensed servicers also can have insight as to specific compliance issues, but first you have to know if seller financing is even for you.

First step: based upon your goals, objectives and unique personal circumstances, I will help you decide if owner financing is for you, if your plan is solid, or will end up costing you thousands. If you might need money sooner than later, we can set you up to sell your note for minimum discount while still helping you keep your own private pension and passive retirement income.

Second step: have an attorney in your state provide boiler plate documents. Then I will review it and make sure the numbers are right, and make sure special clauses and terms are inserted that will give you every advantage.

Third step: double check for compliance with the interest rate you are charging, late fees, and other things that make your note water tight so you'll never find yourself standing in front of a judge, or facing a steep fine.

Make sure to get these note business insider tips, and pick up a copy of my seller financing course for landlords and other real estate sellers: Seller Financing for Power, Peace and Profits.

To join live and ask your own questions or have your own situation analyzed, be sure to subscribe over at NoteQueen.com

To register for the next upcoming seller financing live call, Property (real estate) & Paper (notes) visit: PropertyAndPaper.com! And visit the Note Queen store to see what we have to offer:

https://notequeen.com/shop 

Abby and I had a great chat catching up, talking about changes in the note investing industry. There are more HELOC notes being traded, as well as TIN loans being accepted. The buying criteria of the various institutional and hedge fund buyers is constantly changing.

We also reference our last conversation 4 years ago and relish that we were spot on with what we were talking about, even though a lot of it seemed fringe and outlandish at the time. Don't forget to diversify into precious metals, especially silver, and accumulate some Bitcoin before the next bull run takes off... and don't leave it on a centralized exchange! You have to take self custody.

Check us out at:

Linktr.ee

Notequeen.com

YouTube

PropertyAndPaper.com

This interview was a delight. I love talking to people who have been around a few real cycles who have seen it all. The ability to navigate seller financing and real estate transactions creatively during times of market chaos or uncertainty are the ones who not only survive, but thrive. 

Be sure to check out Scott's: TheOwnerFinanceNetwork.com

Creative real estate and note investing are powerful tools, and you need to understand how to balance risk and reward and position for safety regardless of what happens in the market.

In this fabulous session of Property and Paper Live we discuss so so many interesting things. Thank you to all who showed up live to contribute with questions, answers, and great information, I appreciate you so much! For a DIY do it yourself seller financing guide and course please check out Seller Financing for Power Peace & Profits. To watch the video for seeing the financial calculator, subscribe to my You Tube Channel

To see what I have to offer, you can visit NoteQueen.com/shop.

Linktr.ee/dawnrickabaugh

In this session of Property & Paper Live, Ken brings up a pending foreclosure. He really wants the property, and is considering bidding at the Trustee Sale. There is a 2nd that is in danger of being completely wiped off. He could offer to buy the 2nd at a discount and foreclose from that position to greatly increase his opening bid and almost guarantee he'd get the property with the opening bid. But then he'd have to start the foreclosure timeline over again. Maybe if he'd thought of that earlier on, it would have been a good option. We also talk with others on the call and end with sharing a way to get help submitting owner financing offers so you can buy your home or investment property without asking a bank for a loan!

Why not ask for zero down? I'm going to quit being so squeamish. My interview with David Olds contains a lot of great gems, and some great reminders of getting back to basics, slowing down, and talking just one Mom 'n Pop to another for success all around. 

• Check out David's EZ real estate closings service
• Come sign up over at NoteQueen.com
• Get help with your seller financing offers: SellerFinancing.Services
• Boomer Real Estate Rescue: Double the Income You're Collecting in Rent