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

Dawn Has a Friendly Chat with Someone Who Has Never Heard of Seller Financing Before

·51 min·3 clips

Dawn says a note strategy on her current home “saved me a hundred and five thousand dollars.”

1. Owner Financing & Note Investing Podcast with Dawn Rickabaugh centers on seller financing and note investing for buyers and sellers. 2. Dawn Rickabaugh hosts the conversation, and Erin Sour joins as the beginner listener whose questions drive the explanation. 3. The episode asks what young buyers should do when house prices and interest rates make conventional mortgages unaffordable. 4. Dawn says post-COVID housing split into “pre-COVID housing and post-COVID housing,” and she links the change to government meddling, monetary policy, and inflation. 5. She points to younger buyers in their mid-20s to early-30s who are often depending on family money or waiting for prices to fall. 6. Dawn says some families give an “early inheritance,” while others help only with a down payment. 7. She says over $30 trillion in equity exists, and she describes that equity as money “stuck inside that house.” 8. She argues that many owners over 60 control most of the real-estate equity and often want income instead of property management. 9. Dawn contrasts bank financing with owner financing by saying the seller can become “the bank” for the buyer. 10. She says seller financing uses the same note and deed of trust documents as a bank loan. 11. Dawn says she has not had a bank loan in almost 27 years and still buys most property without paying cash. 12. She says price matters less when the payment, term, and interest rate make the deal cash flow. 13. Dawn gives a Nevada example where she and her husband rented first, discovered the house was free and clear, and then negotiated terms over several months. 14. She says a seller on a duplex accepted her price only after she asked whether he needed all the money at once. 15. Dawn says she sent 1,000 postcards to owners of free-and-clear investment properties and got one duplex deal back. 16. She says her mother supplied the down payment, the property became an Airbnb, and the structure worked because the seller liked a 4% alternative more than waiting for a sale. 17. Dawn says a 20% down payment sharply reduces default risk, while 10% down is standard owner-finance underwriting for an owner-occupied property. 18. She says a seller can sell a note later, and she describes one case where a note error stopped her from buying the paper at all. 19. Dawn’s tone is conversational, teacherly, and repetitive by design, with Erin asking simple follow-up questions as she translates jargon like “note,” “equity,” and “FHA.” 20. Listeners who want practical owner-financing language and real estate structuring will get the most from it, while people wanting market charts or fast-flip tactics may skip it.

As heard by us

A clear owner financing primer that turns deal terms into plain speech.

This owner financing conversation stays grounded in the basics from the start. It opens in a way that feels easy to follow, and the host keeps checking that the listener is still with them while the discussion works through down payments, credit, ability to pay, and deal terms…

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Why you'd press play

You want owner financing explained like a real conversation, not a seminar.

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