Owner Financing & Note Investing Podcast with Dawn Rickabaugh

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 steady income, even offering favorable terms to help buyers succeed. The conversation reinforces that many real estate deals can be done creatively without traditional lending, and that fairness, flexibility, and real-life circumstances often drive why people choose owner financing.Listen to the rest of the episode over at CitizensOfTheRealm.com

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 not qualify for through banks. Overall, the discussion highlights seller financing as an underutilized strategy that creates win-win solutions, unlocks deals, and opens new income opportunities for both agents and investors.

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 create solutions and profitable deals outside the traditional banking system.

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 startedEpstein: 1) Controlled Disclosure, Functional Sacrifice and the Architecture of Protection2) What if even just part of the Epstein files are real? >>EXODUSFREE 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 Your Bank" are the starting places for most people to learn powerful strategies to thrive in any market.

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/homeIn 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 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: http://linktr.ee/dawnrickabaugh"Landlord Liberation" & "Buyers: the Seller is Your Bank" are the starting places for most people to learn powerful strategies to thrive in any market.

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/homeIn 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 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: http://linktr.ee/dawnrickabaugh"Landlord Liberation" & "Buyers: the Seller is Your Bank" are the starting places for most people to learn powerful strategies to thrive in any market.==========================================If you are looking to invest in notes, please review my Investor Partner Checklist:https://notequeen.com/new-investing-partner-checklist/To check out our products and services:http://notequeen.com/shopThe Dance Between Property & Paper...Creating financial solutions, just one Mom n' Pop to another :)

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 Note Investing Training 👉 Join us for Real Estate Live Q&A by signing up at: https://NoteQueen.com/PPLive to get notified be notified of all upcoming zoom sessions.Quick links: http://linktr.ee/dawnrickabaughJoin our community. Become a Citizen of the Realm to access the Full Replays of our Property & Paper Live Sessions:https://my.notequeen.com/communities/groups/citizens/home"Landlord Liberation" & "Buyers: the Seller is Your Bank" are the starting places for most people to learn powerful strategies to thrive in any market.

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/homeIn the second half of the show Kennesha gets some answers on how to handle a problem note for a friend. Luckily for her friend, she's in charge and going to be able to rescue profits. Not everyone is so lucky.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: http://linktr.ee/dawnrickabaugh"Landlord Liberation" & "Buyers: the Seller is Your Bank" are the starting places for most people to learn powerful strategies to thrive in any market.

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 traps, and creative strategies that experienced investors use to pull these deals together smoothly.NoteQueen.com

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 markets. The discussion includes practical advice on working with real estate agents through creative financing, structuring commissions over time, and addressing challenges in the rental and note markets. Dawn also warns about IRA precious metals scams and stresses the need for vigilance in financial dealings. The session concludes with an invitation to join her coaching program and the importance of community interaction in learning and applying real estate strategies to create financial solutions for individuals and families.### Highlights - Dawn emphasizes defining "who you are" beyond what you do to align with your true purpose. - Personal storytelling highlights the emotional and energetic significance of real estate beyond mere transactions. - Owner financing and master leasing are showcased as essential tools in today's complex real estate market. - Creative commission structures can help agents sell difficult listings and secure deals. - The lecture warns about prevalent IRA precious metals scams targeting seniors and self-directed accounts. - Market conditions show an increase in accidental landlords, creating opportunities for creative financing solutions. - Dawn promotes her coaching program as a way to gain practical skills and community support for real estate investing success.### Key Insights - **Identity and Purpose Drive Success:** Dawn's exercise of distilling her essence into a few sentences reveals that clarity about one's core identity fuels passion and resilience in real estate investing. This self-awareness translates into more authentic and effective decision-making. - **Real Estate as a Sacred Space:** Viewing properties as energetic and emotional spaces rather than just assets creates a deeper connection with clients and the community, enhancing stewardship and long-term value. - **Creative Financing as a Competitive Edge:** Tools like owner financing, master leasing, and flexible commission payments give investors and agents tactical advantages in tight markets and with sellers who have high price expectations. - **Navigating Market Challenges:** The rise of accidental landlords and renters' changing needs require innovative solutions that balance cash flow, tenant management, and property maintenance. Recognizing this can lead to sustainable investment strategies. - **Risk Awareness in Financial Deals:** The mention of IRA precious metal scams underscores the critical importance of due diligence and consumer education to protect investments, especially among vulnerable populations. - **Community and Collaboration Enhance Learning:** Dawn stresses the value of live interaction and shared experiences in coaching environments to address real-world problems and accelerate learning. - **Long-Term Vision and Integrity:** Encouraging investors to operate with integrity and purpose supports building lasting wealth and positive impact, rather than short-term quick profits.

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 financing may no longer be the only or best option. Instead, owner financing—where the seller acts as the lender—can unlock trillions in home equity held mostly by baby boomers, creating a win-win scenario for both sellers and buyers.We cover how government policies and monetary interventions during and after COVID-19 have distorted housing markets, driving up prices and making homeownership inaccessible for many. They emphasize that many boomers own homes free and clear, holding substantial equity that can be leveraged through owner financing to provide flexible, lower-interest loans to younger buyers. This method bypasses traditional bank loans, reduces transaction costs, and can offer better terms for both parties.The discussion also dives into practical advice on how to approach owner financing deals, including how buyers can find sellers willing to finance, the importance of having at least a 10% down payment, and how owner financing documents work similarly to bank loans but without the middleman. The conversation highlights the tax advantages and income stability for sellers who carry the loan, and the benefit to buyers who can secure better interest rates and terms. The value of fostering personal relationships and trust between parties is stressed, along with the need for proper legal guidance.They also touch on common misconceptions about owner financing, the risks of poorly structured notes, and the secondary market for selling these loans. The interview concludes with encouragement for people to explore owner financing as a strategic alternative to conventional home buying, especially amid current market volatility and economic uncertainty, offering hope and actionable insights for those feeling priced out or stuck.