Podcast
Owner Financing & Note Investing Podcast with Dawn Rickabaugh
Hosted by Dawn Rickabaugh · EN
Specializing in seller financing, Dawn is a visionary real estate professional who gets families into (or out of) homes and investments in a way that empowers and enriches them, as well as the communities in which they live… with or without banks and regardless of market conditions. Dawn is the antidote to America’s addiction to Wall Street’s financial opium. She makes the powerful, non-bank, strategies usually reserved for sophisticated investors accessible to everyday people, making or saving them thousands and instilling hope as she illuminates hidden opportunities. As a seasoned note investor intimate with seller financing and the secondary market for private mortgage notes, she provides mission-critical expertise that is extremely rare in today’s marketplace. Sellers: know what your note will be worth before you create it. "Landlord Liberation", "Buyers: The Seller is Your Bank" and "Note Investing for Newbies" are key gateway books for those wishing to engage with The Realm. Visit www.NoteQueen.com.
31episodes
Episodes
Newest firstAll episodes
The Tax-Smart Way to Exit Your Rental Properties
3d ago00:21:36Summary readyThis episode of Property and Paper Live explores what Dawn calls the Landlord Liberation Method—using seller financing and installment sales to help longtime landlords turn rental property equity into ongoing income while potentially deferring a significant portion of their capital gains taxes. Dawn walks through a real-world example of a landlord who bought a rental for $50,000 that's now worth $250,000 and compares the potential tax impact of selling for cash versus taking 20% down and carrying the remaining balance. She also discusses why understanding the connection between real estate, seller financing, and the secondary note market opens up creative possibilities that many landlords, investors, and real estate professionals simply don't know exist.
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Did You Know Can You Turn Your Commissions Into Notes?
2w ago00:27:47Summary readyThe meeting focused on real estate investing, with an emphasis on notes, seller financing, and creative deal structures. David shared his background in real estate and notes, and participants like Ben, MaryAnn, Jay, and Carl discussed their experiences with contract for deed, lease options, midterm rentals, and working with agents. The group talked about the challenges and benefits of different states and markets, including California, Colorado, Missouri, Illinois, Indiana, Michigan, Georgia, Chicago, and the Southwest. They covered topics such as lead generation for notes, the use of LOIs, carrying commissions as notes, and the role of real estate agents in creative transactions. David explained a recent reverse 1031 exchange he helped with, and several members shared insights on estate planning, property management, and market trends. The conversation also touched on the current stock market, the role of high-net-worth individuals in certain markets, and the evolving landscape of real estate investing strategies.
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How to Profit from a 0% Owner-Financed Note (Real Deal Breakdown)
Jul 900:20:52Summary readyIn this episode of Property & Paper Live, Dawn Rickabaugh walks through a real-life partial note purchase involving a unique church property financed at 0% interest. Using actual numbers, she demonstrates how investors can create strong yields through properly structured partials—even when the underlying note carries no interest. Along the way, Dawn explains how she solved a seller's urgent cash-flow problem, discusses underwriting considerations, and illustrates why understanding amortization and deal structure is far more important than simply looking at the note's interest rate. It's a practical case study that shows how creative note investing can create win-win financial solutions for everyone involved.
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Intro to Master Leasing with Lindsey Jensen
Jun 2700:49:19Summary readyNo description available
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The Real Difference Between Traditional Bank Loans and Seller Financing
Jun 1700:23:52Summary readyIn this episode of Property & Paper Live, Dawn Rickabaugh explains the critical connection between seller financing and the note business, showing how every seller-financed transaction creates a note that may later be sold on the secondary market. Using simple side-by-side examples, she walks listeners through the differences between traditional bank-financed real estate transactions and seller-financed deals, highlighting how sellers can become the lender and create flexible financing solutions for buyers. Dawn emphasizes the importance of structuring seller-financed notes correctly from the beginning, since the terms directly affect the note’s future value. The discussion also explores the role of note investors helping sellers optimize their financial outcomes, and concludes with a conversation about the challenges of educating landlords and property owners on the benefits of seller financing.
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Your CPA Knows About It So Why Aren't They Talking About It?
Jun 400:30:32Summary readyIn this episode of Property & Paper Live, Dawn Rickabaugh discusses why many landlords feel trapped in their rental properties—not because of the real estate itself, but because of the tax consequences of selling. She explains how seller financing and installment sales can help property owners defer taxes, create retirement income, and often achieve better financial outcomes than a traditional cash sale. Dawn also shares new educational and marketing resources designed to help investors and landlords understand these strategies and communicate them more effectively. The discussion continues with audience questions covering opportunities in upstate New York, zombie foreclosures, tax liens, manufactured homes in 55+ communities, and practical considerations for structuring creative financing deals.
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Street Talk with Tim Street and Dawn Rickabaugh
May 2600:36:54Summary readyDawn Rickabaugh welcomes Tim Street of Foolproof FSBO for a wide-ranging conversation about real estate, entrepreneurship, financial uncertainty, and personal freedom. Tim shares exciting news about purchasing a luxury property in Panama to expand his Airbnb portfolio internationally. They discuss current housing market trends, economic instability, seller financing, and the growing desire for people to take control of their finances and lifestyles outside traditional systems. The discussion also explores spirituality, self-sufficiency, media influence, and the future of real estate as more people embrace creative financing and for-sale-by-owner strategies.
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How Jay Davis Bought 3 Duplexes with Owner Financing
May 2200:24:20Summary readyIn this episode, Dawn Rickabaugh interviews veteran real estate investor Jay Davis about his decades of experience using seller financing to acquire and reposition investment properties. Jay shares how creative financing helped him buy commercial buildings with little to no money down, and explains a recent deal where he acquired three duplexes through seller financing by building trust with the seller and honoring her family legacy. The conversation highlights how owner financing can create win-win solutions for buyers, sellers, and agents alike—especially in today’s challenging market. Dawn and Jay also discuss relationship-based investing, revitalizing properties, tax advantages, and how seller financing can preserve long-term income for retiring landlords.
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The Perfect Storm for Note Buyers? Housing Market Warnings Ahead
May 700:24:36Tap to summarizeIn this episode of the Note Queen's Property & Paper Live, Dawn Rickabaugh shares key takeaways from a recent note investing conference and dives into what may be ahead for the real estate and note-buying markets. The discussion explores rising affordability challenges, increasing consumer debt, potential opportunities in distressed and non-performing notes, and why many investors are preparing for a possible market downturn over the next few years. Dawn and her guests also discuss conservative underwriting, seller financing strategies, institutional note trends, and the importance of staying financially and personally prepared during uncertain economic times.
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From Colonial America to Today: The Roots of Seller Financing
Apr 2400:25:29Tap to summarizeSeller financing has historically been the default way to buy real estate long before modern banks existed - and remains a powerful, underutilized strategy in today's market. This lighthearted and value-packed episode focuses on how tired landlords can use installment sales (seller financing) to potentially double their income, eliminate management headaches, and create steady retirement cash flow while deferring taxes. What makes this kind of situation a success is understanding a seller’s needs, building rapport, and structuring win-win deals (such as converting rental income into a “real estate annuity”) while also considering the secondary market for notes to ensure long-term flexibility and value. Listen to the rest of the episode over at CitizensOfTheRealm.com
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