Owner Financing & Note Investing Podcast with Dawn Rickabaugh

In this episode of the Note Queen's Property & Paper Live, Dawn Rickabaugh shares key takeaways from a recent note investing conference and dives into what may be ahead for the real estate and note-buying markets. The discussion explores rising affordability challenges, increasing consumer debt, potential opportunities in distressed and non-performing notes, and why many investors are preparing for a possible market downturn over the next few years. Dawn and her guests also discuss conservative underwriting, seller financing strategies, institutional note trends, and the importance of staying financially and personally prepared during uncertain economic times.

Seller financing has historically been the default way to buy real estate long before modern banks existed - and remains a powerful, underutilized strategy in today's market. This lighthearted and value-packed episode focuses on how tired landlords can use installment sales (seller financing) to potentially double their income, eliminate management headaches, and create steady retirement cash flow while deferring taxes. What makes this kind of situation a success is understanding a seller’s needs, building rapport, and structuring win-win deals (such as converting rental income into a “real estate annuity”) while also considering the secondary market for notes to ensure...

In this episode, Dawn shares her passion for owner financing and note investing as a way to create financial freedom outside traditional banks and Wall Street. She emphasizes that a private secondary market for mortgage notes allows sellers to offer financing and still access liquidity, creating a parallel real estate system that keeps more money within communities. 

One of the case discussions highlights how investors can structure deals without banks, benefiting buyers, sellers, and investors through flexible, win-win arrangements. One investor (Ken) shares his strategy of selling properties via owner financing to reduce management responsibilities while generating s...

This podcast episode focuses on how real estate agents and buyers can use owner (seller) financing as a powerful alternative to traditional bank loans, especially in a slower market where deals are falling through. Dawn emphasizes that agents can close more transactions (and avoid price reductions!) by introducing seller financing as an option, particularly for higher-end listings and buyers with strong profiles--for example, self-employed individuals with 20% down who can refinance later. She explains that sellers can benefit by receiving their full asking price, earning ongoing income, and potentially reducing tax burdens, while buyers gain access to properties they might...

In this episode of Property & Paper Live, Dawn Rickabaugh discusses current shifts in the real estate market and why seller financing and private note investing are becoming increasingly important as traditional lending tightens. The conversation covers real-world scenarios from investors, including a burned property tied to a reverse mortgage and how lenders may claim insurance proceeds. Dawn also shares insights on reverse mortgage timelines, distressed assets, and opportunities that arise when institutional lenders offload problems. As market uncertainty grows, she explains why investors who understand both property and paper (especially the secondary market for notes) are uniquely positioned to...

In this episode of Property and Paper Live, Dawn Rickabaugh breaks down a real-world note deal she sourced from Craigslist and explains how understanding seller financing, time value of money, and human dynamics can turn an “uninvestable” situation into a high-performing asset.
If you'd like to take advantage of the limited time offer for 50% off her book, 'Note Investing for Newbies' click HERE and use the code NEWB50 at checkout.

Here are the links I referenced:
Silver:
1) Silver runs out on this date - most aren't ready
2) The next biggest commodities boom is just getting started
Epstein:
1) Controlled Disclosure, Functional Sacrifice and the Architecture of Protection
2) What if even just part of the Epstein files are real? >>EXODUS

FREE Real Estate and Note Investing Training 👉 Join us for Real Estate Live Q&A by signing up at: https://NoteQueen.com/PPLive to participate live in upcoming zoom sessions.

Quick links: Linktr.ee

"Landlord Liberation" & "Buyers: the Seller is...

The second half of the recording is hosted exclusively in our Citizens of the Realm free private community. Join to access the Full Replays of our Property & Paper Live Sessions:
https://my.notequeen.com/communities/groups/citizens/home

In the second half of the show Kennesha asks about how to deal with real estate agents who are open to hearing about owner financing. I also show exactly how we create the secondary amortization schedule crucial for every partial note purchase (or sale). Tricks of the trade revealed!!
Nothing held back.

FREE Real Estate...

Get out your financial calculator and follow along as we go over the numbers and show how understanding the note business helps real estate transactions close that otherwise wouldn't.

The second half of the recording is hosted exclusively in our Citizens of the Realm free private community. Join to access the Full Replays of our Property & Paper Live Sessions: https://my.notequeen.com/communities/groups/citizens/home

In the second half of the show Kennesha asks about how to deal with real estate agents who are open to hearing about owner financing. I also show...

In this NoteQueen Podcast, Dawn and Tim talk about selling real estate in today's market. Many people can save tens of thousands selling their homes themselves, but professional guidance and key positioning will greatly determine the net result.

Tim's website: https://foolprooffsbo.com/

Another method is offering owner financing, whether you intend to carry paper or not. What you want is as many eyeballs on the property as humanly possible. Dramatically expand the pool of potential buyers. Don't miss these strategic tips... they will make or save you thousands.

FREE Real Estate and...

In the first half of the show, David, a long time associate of Queen's Realm, talks about note and private loan deals he's done recently. Every day people can do this... it's not rocket science! David hired Dawn to be over his shoulder throughout the underwriting process, to be that second pair of eyes.

The second half of the recording is hosted exclusively in our Citizens of the Realm free private community. Join to access the Full Replays of our Property & Paper Live Sessions: https://my.notequeen.com/communities/groups/citizens/home

In the second...

In this episode we talk about a real estate note secured by land, created through a seller financed real estate transaction. We also get into how to position for the financial reset we are seeing unfold right before our eyes.
Be sure to sign up to participate live by subscribing at NoteQueen.com

Most people would probably be surprised to know how seller financing in 1031 exchanges can work. A seller wants to do a 1031 exchange, but they end up with a buyer asking for owner financing.

Do they have to reject the offer?

Not necessarily. If structured properly, a note can be created (giving the buyer what they need) and then sold, giving the seller the cash they need for their upleg.

In this month's Property & Paper Live, I break down exactly how seller financing in 1031 exchanges works in the real world — plus the pitfalls, timeline tr...

Dawn Rickabaugh, host of Property and Paper Live and creator of NoteQueen.com, delivers an insightful lecture on real estate investing, financing, and note buying strategies. Emphasizing the importance of understanding one's core identity beyond professional roles, she encourages participants to distill their essence into clear, meaningful statements to deepen their purpose and motivation. Dawn shares a personal story about managing a special property with a unique energetic footprint and the importance of stewarding sacred spaces in real estate transactions. She highlights current market dynamics including owner financing, master leasing, and creative solutions for "accidental landlords" amid changing rental...

This was a fun chat with someone I met through another coaching group for entrprenuers. Erin and I can appreciate each others' sense of humor... and being able to laugh is high value! We got caught here in the beginning laughing over Charmander... anyone have kids that used to play Pokemon??

We discuss the challenges and opportunities surrounding homeownership in today's market, specifically focusing on owner financing as a powerful, yet often overlooked strategy. The conversation addresses the difficulties faced by younger generations in buying homes due to soaring prices and high-interest rates, and how traditional bank...

In this comprehensive discussion led by Dawn Rickabaugh, a seasoned seller finance expert and owner of NoteQueen.com, the multifaceted benefits and strategies of using owner financing in real estate transactions are explored in depth. Dawn emphasizes the critical interplay between "property and paper," referring to the tangible real estate asset and the financial instruments (notes) that represent debt secured by that property. The conversation covers practical insights for buyers, sellers, and real estate professionals on how seller financing can serve as a powerful alternative or complement to traditional bank financing, especially in challenging market conditions where conventional loans...

In this comprehensive discussion, Dawn delves into the intricacies, opportunities, and pitfalls of creative real estate financing—particularly seller financing, seller-held notes, and contract-for-deed arrangements. 

The conversation is framed around real-life case studies involving high-equity sellers, ethical considerations, and practical challenges in managing seller-financed deals. 

Dawn shares her personal experiences, including a detailed story about helping her cleaning lady and others caught in problematic seller-financed home purchases with incomplete or unrecorded paperwork. 

The narrative exposes the risks of unscrupulous sellers who exploit buyers through poorly structured deals and highlights the importance of legal, ethic...

In this insightful and extensive discussion, Dawn Rickabaugh, host of Property and Paper Live, sheds light on the evolving real estate market of mid-2025, emphasizing the growing importance and practicality of seller financing and note investing as viable alternatives to traditional bank financing.

Dawn's core message targets everyday "Main Street" investors and homeowners, aiming to demystify seller financing (owner financing), notes, and the secondary market for these financial instruments, which have long been confined to niche investor circles or institutional players.

Dawn begins by addressing the current market challenges: Many sellers are frustrated by stagnant...

A comprehensive discussion led by Dawn Rickabaugh on the current real estate market dynamics, owner financing strategies, note investing, and creative deal structuring amidst a shifting market landscape. Dawn emphasizes that the current market volatility and tightening liquidity create both challenges and opportunities for real estate investors, especially those skilled in owner financing and note deals.

The conversation includes practical experiences, such as handling land contracts, note sales, and creative financing mechanisms like "springing guarantees" and substitution of collateral. Dawn also highlights the importance of adapting to market changes, particularly for sellers who face increasing competition and...

A woman returns to the show on behalf of her sister who owns a rental property in Ojai, CA. The tenants are offering to buy the property and we discuss her options. I also share a story where I didn't verify where a down payment came from, and the way it played out, I barely broke even instead of making an easy $30K.

Find quick links at 

https://Linktr.ee/DawnRickabaugh

Sign up to be notified of future Property & Paper LIVE episodes:

https://notequeen.com

My dear Robin in Texas, who has been a loyal and generous follower for years, comes on to talk in depth about her struggles to deal with bad tenants, rehab following eviction, and a potential exit using seller financing to sell the mobile on land to someone who needs a home.

This is great for helping real estate and note investors think through the various options, get their head on straight, and choose what options are best... going in with eyes wide open.

It's not fun to get blindsided down the road because you went...

One of the most rewarding things in February's Property & Paper LIVE Q&A training was talking to someone in CA whose sister really needed some help figuring out what to do after the Altadena fire took her home, insurance turning out to be insufficient, and her "cash cow" rental in Ojai now feeling like a noose around her neck.

We talk about some ideas about how she turn that around and position herself for maximum benefit, whether she sold for cash, did a lease option, an owner carry, perhaps selling "subject to" her existing financing.

...

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 ;-)

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.

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...

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:

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 s...

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...

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...

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. 

Tracy Z is a veteran of the note industry and she brings all her years of experience to talk about what she sees happening in the market, and how she helps others learn about the note business and get started investing in notes. We both love partials and wraps! It was fun for me to hear some of her history, as I came to the industry in the mid 90's, and she was a seasoned professional by then. I always wondered what happened to Metropolitan. They dominated back in the day, but had rolled up shop before I was...

Lots of great conversation made possible by Svetlana, who brought us her scenario. She moved across the country to fulfull her dream of investing in notes. That's some grit and determination, folks! When you offer seller financing, you can get much more for your property. Learn more over at NoteQueen.com or BoomerRealEstateRescue.com

Positioning a portfolio for more cash flow before retirement kicks in. Looking at getting some property free and clear, and converting one or two into notes.

I am reminded of a story that Gordon Moss told me years ago... Derisking and being very conservative allowed him to sail through the great financial crash of 2008, whilst his counterparts lost everything during the blood bath. We don't know what's coming, so position accordingly. If real estate prices drop by 30%, or if rents go down while taxes and insurance keep going up would stress you out, it's time to consider taking some profits off the table. You may want to convert some of your real estate into notes and be the lender on your properties instead.

Earlier this month we had a series of solar flares during a few days of high geomagnetic storms. If you haven't already prepared yourself to be out of power for up to a month, this is your wake up call. Can you feed your family, filter water for them, keep them warm and safe?

In this episode:

00:11 - Engaging, Connecting, and Learning About Seller Financing and Note Investing 03:05 - On the Agenda: 3 Deal Reviews LIVE on Property Paper Live 03:52 - How to Submit Questions LIVE on Property Paper Live 04:39 - $400,000 Seller-Financed Single Family Home Acquired for $151,585 09:32 - Seller-Financed Multifamily 5-Plex Investment with Only 5% Down 21:14 - Acquiring a $500,000 Single Family Rental Property with No Money Down 32:45 - Should You Acquire Real Estate or Lend Private Money Before or During a Recession? 41:38 - Preparing for the Unexpected: One of the Best Investments

It is generally not possible, but in this episode, I will show you how I helped reverse engineer a proposed real estate transaction so that the seller, a rehabber, could accept an owner financing offer and walk away with the equivalent of a cash sale.

In this episode: 1:21 Get a Free of my NEW eBook - Boomer Real Estate Rescue. 2:59 How to submit your questions LIVE on Property Paper Live. 4:05 How helping my borrower avoid foreclosure: Got me TWO NEW NOTES! 11:53 Would you buy this $110K note at 7% yield? 24:56 Borrower can't pay the balloon payment at the 2...

 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 S...