Welcome to the SmarterLending podcast by Lender Consulting Services Inc.! Our goal is to help you lend confidently by providing insightful and actionable information from the subject matter experts on everything Environmental, Construction, and Appraisal Due Diligence.
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Owner Financing & Note Investing Podcast with Dawn Rickabaugh
Dawn Rickabaugh | Expert Advice for building wealth through Owner Financing & Note Investing
Specializing in seller financing, Dawn has been a real estate and note investor for over 20 years. She provides custom consulting, coaching and note appraisal services. Note Queen is where Property Meets Paper and Learns to Dance. Subscribe to have your eyes opened to the profound, yet simple ways that seller financed real estate (property) and notes (paper) can help you create powerful and profitable financial solutions, just one Mom 'n Pop to another. The easiest way to get started investi ...
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The Impact Lenders Podcast (ILP) is a biweekly podcast that focuses on the work of Community Development Financial Institutions, foundations, government lenders, and others using lending for good. Through interviews with the remarkable personalities in the field, we keep listeners informed on the hot topics and emerging trends in the industry. Guests include executive directors, lenders, marketers, accountants, fundraisers and others active in the industry. By learning from their experiences ...
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Mom 'n Pop Landlord Nightmare Strategizing Seller Financing and the Value of the Note
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40:35
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40:35My 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…
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Lost Her Home in the Altadena Fire and Now Her Rental is Strangling Her
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39:14One 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 id…
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Each Seller Financed Real Estate Transaction Gives Birth to a Little Baby Note!!
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45:07
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45:07Yes, 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 ;-) Linktr.ee/DawnRickabaugh NoteQueen.com Apply for Mentorship…
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Property & Paper [LIVE] Real Estate and Note Investing Q&A and Training
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41:40Another 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 bet…
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The New Lending Landscape: Inflation, Interest Rates, & Due Diligence | Brian Bailey, Fed Reserve
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42:53
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42:53In a recent discussion with Brian Bailey, Commercial Real Estate (CRE) expert at the Federal Reserve Bank of Atlanta, we explored the current economic landscape, its effects on lending, and critical factors influencing the commercial real estate sector. Bailey offered insights into today’s resilient but evolving market and practical steps lenders s…
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What's Happening with Real Estate? Could it be Time to Take Profits? Are you Ready?
57:49
57:49
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57:49What 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…
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[LIVE] Seller Financing MASTER CLASS for Sellers, Tired Landlords, High & Low Equity Solutions
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4:07
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4:07Real 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: sell quickly and easily for the highest possible price defer most of their capital gains (use the 1…
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Licensing and Compliance Building Passive Income in the Note Business | Guest Madison Management
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47:20
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47:20This 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, an…
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Seller Financing Guide | Should I Offer Owner Financing and How Can I Stay Out of Trouble
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4:49
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4:49Jeff 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... t…
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Texas Attorney Scott Horne and I Talk About the History of Creative Real Estate and Why You Need It
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39:14This 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 Creat…
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Real Estate Notes Seller Financing and Foreclosure Scenarios | Live Real Estate Tips Q&A Session
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57:06In 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…
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Building Smarter: Managing the Construction Draw Phase
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1:01:11Welcome back to another insightful episode of the Smarter Lending Podcast! A second part of our series on SBA (Small Business Administration) Construction Lending, featuring experts Nick Jellum, Michele Walters, and Trevor Richardson covered a wide range of essential topics, from pre-construction due diligence to managing disbursements and ensuring…
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Foreclosing on a Private Real Estate Loan from First Position When You Want the Property
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48:39In 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 guara…
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Distressed Properties: Navigating Complex Terrain with Expert Insights
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21:50Welcome to the latest edition of our Smarter Lending Podcast, where we delve into the complexities of distressed properties—a pressing issue in the commercial real estate sector. Hosted by Liz Mahoney, we tackled this challenging topic with expert insights from Noelle McDonald, VP of Valuation Services at LCS, and Aaron Fehnel, VP Loan Workout Mana…
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Make Better Seller Financing Offers with David Olds of EZREIclosings.com
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45:33
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45:33Why 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…
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Tracy Z is in the House! Talking Shop and Note Investing - Insider Note Business History Revealed
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37:23Tracy 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…
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What Could Real Estate Investor Seller Financing Svetlana Do to Get a Better Price for her Note?
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49:18Lots 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…
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Should I Buy My First Note on PaperStac or Create My Own?
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50:59Positioning 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.By Dawn Rickabaugh, Note Queen
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Monarch Minute: Is It Time to Take Profits and Position Your Portfolio to Survive the Meltdown?
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4:52I 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 an…
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Monarch Minute: Are You Ready for the Next Solar Flare?
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1:34Earlier 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?By Dawn Rickabaugh | Expert Advice for building wealth through Owner Financing & Note Investing
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It is Time to Take Profits and Convert Some Real Estate into Notes?
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44:07In 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 Inves…
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Seller Finance Your Property and Walk Away with All Cash Without a Discount
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54:55
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54:55It 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 y…
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Landlords Can Double the Income They are Getting in Rent Thru Owner Financing
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53:17https://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…
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Instead of Making a Private Loan, Can you Buy at Half Price and Option Back?
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53:05
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53:05Are 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…
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Building Smarter: The Onset of Construction Due Diligence (Ep. 2)
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34:04Welcome to the latest blog post of "Smarter Lending"! Today, we're excited to announce a brand new episode from our podcast, titled "Building Smarter: The Onset of Construction Due Diligence." This episode marks the beginning of a compelling two-part series focusing on the nuances of Construction Due Diligence within SBA Lending, a topic critical f…
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The Only Way to Guarantee the Loan Won't Get Called with Subject To Seller Financing
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52:06With 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 (t…
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Preparing for Passive Income on the Blockchain
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52:52A 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, …
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Getting to be the Hero - Note Investing at It's Best
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59:17Sometimes 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: 00:20 - How can you work or connect with Dawn? 02:33 - Dawn’s Owner Carry Note Deal Review - Looking out for your borrower's best interest. 14:38 - Any issues with the borrower …
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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-gett…
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The Note Professor Tom Henderson Shares How He Got Started In The Note Business
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24:08I 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 who…
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NPN Special - Investing in Non Performing Notes Convo with Sri Gandla
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1:04:08This 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 …
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Genetically Modified Note Babies and Front End Partials
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58:44
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58:44In 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 Invest…
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Affordable Home for Your Kid, Great Investment for You
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59:21In 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. 00:43 - Tips for asking questions and partic…
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The Appraisal Conundrum; Evaluations, Full Appraisals, or Validation Reports? – SmarterLending (Ep. 01)
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20:34In this inaugural episode of the SmarterLending Podcast from Lender Consulting Services, host Liz Mahoney interviews 3 appraisal experts: Noelle McDonald, the VP Valuation Services, and Rachel Kilcullen, Director of Evaluations, both at Lender Consulting Services, and Cheryl Bella, M.A., FICRAS, who is a Certified Appraiser who actively works in th…
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Land Notes - They're the Latest but are they The Greatest?
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52:50On 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.…
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EPISODE 27 – THE SOAR FUND: SPURRING SMALL BUSINESS GROWTH IN THE SOUTH
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35:45CDFIs are coming together at an unprecedented pace to work collaboratively and solve problems at scale. One example is the Southern Opportunity and Resilience (SOAR) Fund.By Impact Lenders Podcast
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EPISODE 26 – LEVERAGING THE POWER OF CDFIS AND GOVERNMENT RESOURCES TO CATALYZE SMALL BUSINESS GROWTH
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40:58High Impact President Peter Schaeffing has a candid conversation with Leah Fremouw, SVP & Director of Community Innovation at Virginia Community Capital (VCC) and Andrea Longton, C.F.A., Founder and Author-Administrator of The Social Justice Investor™By Impact Lenders Podcast
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EPISODE 25 – CDFIS BRIDGE FINANCIAL GAPS FOR VETERAN ENTREPRENEURS
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35:52Veterans have unique challenges and opportunities when it comes to entrepreneurship and securing business loans. On the one hand, the military provides leadership and strategic training, but deployment and frequent relocations can interfere.By Impact Lenders Podcast
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More Q&A with Dawn + Helpful Resources (PART 2 - Virtual DeCaf MeetUp - March. 2021)
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49:07By Dawn Rickabaugh | Expert Advice for building wealth through Owner Financing & Note Investing
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March 2021 Deal Review and Q&A with Dawn (PART 1 - Virtual DeCaf MeetUp - March. 2021)
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47:30By Dawn Rickabaugh | Expert Advice for building wealth through Owner Financing & Note Investing
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Deal Review and Q&A with Dawn (PART 2 - Virtual DeCaf MeetUp - Feb. 2021)
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38:03
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38:03By Dawn Rickabaugh | Expert Advice for building wealth through Owner Financing & Note Investing
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State of the Real Estate Market - February 2021 (PART 1 - Virtual DeCaf MeetUp - Feb. 2021)
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50:27By Dawn Rickabaugh | Expert Advice for building wealth through Owner Financing & Note Investing
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Notes, RE & Freedom-Over-Slavery UPDATES (Virtual DeCaf MeetUp - Dec. 2020)
1:10:15
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1:10:15By Dawn Rickabaugh | Expert Advice for building wealth through Owner Financing & Note Investing
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State of the Real Estate Market! Is there still hope in 2020? (PART 1 - Virtual DeCaf MeetUp - Nov. 2020)
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54:02
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54:02By Dawn Rickabaugh | Expert Advice for building wealth through Owner Financing & Note Investing
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Note Numbers Don't Lie! (PART 2 - Virtual DeCaf MeetUp - Nov 2020)
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36:54
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36:54By Dawn Rickabaugh | Expert Advice for building wealth through Owner Financing & Note Investing
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Impact lenders tackle huge problems–the affordable housing crisis, structural racism, predatory lending, and many more. Yet impact lenders are typically locked out of the kinds of growth capital that allow for-profit ventures to quickly scale. Capital Good Fund, a nonprofit loan fund that provides ethical payday loans, energy efficiency loans, and …
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