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

A Superpower You'll Need in this Market: No Risk Seller Financing!

·26 min·1 clip

On a $1.6 million listing, would you rather drop the price or carry $100,000 for 3 to 5 years?

1. Owner Financing & Note Investing Podcast with Dawn Rickabaugh focuses on seller financing, note investing, and real estate deals that avoid conventional lending. 2. Dawn Rickabaugh appears as host and gives live guidance, while Amy brings a specific Florida purchase case that drives the discussion. 3. The episode asks how agents and sellers can use owner financing as a practical alternative when rates, underwriting, or pricing block a conventional sale. 4. Rickabaugh says the easiest entry into note investing is to carry paper on your own property before buying other people’s notes. 5. She says a landlord with a long-time tenant who wants to own has a natural seller-finance match. 6. She says buyers with 20% down, solid credit, and a path to conventional financing in three to five years are especially workable. 7. She describes high-end listings in the $800,000 to $3 million range as a useful niche for these conversations. 8. Rickabaugh argues that many agents need a way to close more than one deal a year, especially when transaction volume is slow. 9. She tells listing agents to ask sellers whether they will at least explore carrying paper instead of taking an immediate price reduction. 10. She uses a $1.6 million listing with 120-plus days on market to show how a seller might choose terms over a deep cut. 11. She says a seller who gets their price, a large down payment, and monthly income can benefit from the yield spread between an existing low mortgage and a new higher-rate note. 12. She points out that a person can have millions in the bank and still fail to qualify for a loan on a $1.6 million house because of institutional rules. 13. Amy explains that she wants to buy a Florida property in Ormond Beach as a rental first and later perhaps as a home. 14. Amy says the neighbors rent a similar home for $2,400 a month, so she worked backward to a $1,200 monthly payment target for the seller note. 15. She says she can put $55,000 down on a $350,000 price but cannot get bank financing because of the net-income rules for her small business. 16. Rickabaugh and the live chat discuss whether the seller is facing capital gains, depreciation recapture, or a personal-home exclusion under section 121. 17. The tone is practical and advisory, with real-time calculations, audience questions, and back-and-forth deal analysis. 18. The format mixes teaching, live consulting, and sales-oriented outreach to agents through notequeen.com/agents and citizensoftherrealm.com. 19. Realtors handling expired listings and buyers with strong down payments would get the most value from this episode. 20. Buyers wanting conventional-only financing and listeners uninterested in real-estate deal structure can probably skip it.

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