Owner Financing & Note Investing Podcast with Dawn Rickabaugh · Dawn Rickabaugh | Expert Advice for building wealth through Owner Financing & Note Investing

5 Power Moves for Multiplying Wealth When You Buy Real Estate with Owner Financing

·1 hr·3 clips

Owner financing can give a buyer a property and an option on the note at the same time.

1. Dawn Ricabaugh uses Property and Paper Live to explain 5 Power Moves for Multiplying Wealth When You Buy Real Estate with Owner Financing. 2. Dawn Ricabaugh, host of Property and Paper Live and owner of notequeen.com and NQ Capital, says she buys both property and paper. 3. The episode asks how owner financing can create more than one profit path for buyers, sellers, and note investors. 4. Dawn says sellers can lend equity instead of cash, and she calls the process the “dance between property and paper.” 5. She argues that a private person can make the same kind of promise-to-pay paper that a bank uses, including foreclosure rights if payments stop. 6. Dawn points to Canada, where she says properties are sitting unsold and people are stuck in $1 million and $2 million homes. 7. She says young buyers are often “locked out,” while older owners control about 80% of U.S. real estate equity. 8. Dawn says builders are moving inventory with incentives, amenities, and loan buy-downs rather than waiting for resale buyers. 9. She tells listeners they may be able to get better terms than a bank if they find owner carry financing or lower rates. 10. Dawn says first mover advantage matters, and she urges people in distress markets to drop price or offer terms. 11. She says a buyer with owner financing may later buy back the note at a discount if the seller wants cash. 12. Christina says that if a market turns bad, owner financing leaves you with “a human being on the other side” who can negotiate. 13. Nick describes a strategy of offering to pay 12 months with 11 months of payments, which he says can soften a seller toward a discount. 14. Dawn says that approach can prime the pump and open a conversation about what the seller needs. 15. She says buyer-side owner financing can also create referrals, because people may introduce you to other deals. 16. Dawn gives a commercial example in which her daughter’s deal used IRA money, about $100,000 above acquisition cost, and about 3% financing with no payments during rehab. 17. She says that structure could later support a higher sale price with seller financing, and that the seller could keep the note or transfer collateral. 18. Dawn describes owner financing as the lending business in the front door and the note business in the back door, and she says she wants deals that pay her one, two, three, or four ways. 19. The episode sounds like a live coaching session with frequent audience questions, direct corrections, and practical deal math. 20. Agents, investors, and buyers who want concrete owner-financing structures will get the most value from this episode; listeners looking for a polished theory-only discussion may skip it.

As heard by us

A practical case for seller financing that keeps the money math and people math in view.

The episode treats seller financing as a workable way to keep deals moving when banks slow things down, especially for buyers with solid down payments who still miss the lending mark.

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Need a way to close deals when the bank says no?

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