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	<title>Real Estate | Owner Seller Financing | Note Queen</title>
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		<title>Why Master Leasing and Owner Financing Belong in Every Investor&#8217;s Toolbox</title>
		<link>https://notequeen.com/blog/why-master-leasing-and-owner-financing-belong-in-every-investors-toolbox/</link>
		
		<dc:creator><![CDATA[Heather Manwaring]]></dc:creator>
		<pubDate>Wed, 15 Jul 2026 09:00:00 +0000</pubDate>
				<category><![CDATA[The Note Business]]></category>
		<category><![CDATA[owner financing]]></category>
		<category><![CDATA[Seller Financing]]></category>
		<category><![CDATA[selling a note]]></category>
		<guid isPermaLink="false">https://notequeen.com/?p=14707</guid>

					<description><![CDATA[<p>Regardless of our net worth we are all debt slaves, but that doesn&#8217;t mean we can&#8217;t master our financial situation. You can master leasing, owner financing and notes if you have solid info and enough support. Information only goes so far&#8230; the implementation is where the rubber meets the road. What if, for a one-time [&#8230;]</p>
<p>The post <a href="https://notequeen.com/blog/why-master-leasing-and-owner-financing-belong-in-every-investors-toolbox/">Why Master Leasing and Owner Financing Belong in Every Investor&#8217;s Toolbox</a> appeared first on <a href="https://notequeen.com">Real Estate | Owner Seller Financing | Note Queen</a>.</p>
]]></description>
										<content:encoded><![CDATA[
<h3 class="wp-block-heading">Regardless of our net worth we are all debt slaves, but that doesn&#8217;t mean we can&#8217;t master our financial situation.</h3>



<p class="wp-block-paragraph">You can master leasing, owner financing and notes if you have solid info and enough support.</p>



<p class="wp-block-paragraph">Information only goes so far&#8230; the implementation is where the rubber meets the road.</p>



<p class="wp-block-paragraph"><strong>What if, for a one-time fee, you could get lifetime access to all the training &amp; support you need?</strong></p>



<p class="wp-block-paragraph">Question &amp; answer sessions twice a week make sure there&#8217;s no reason you can&#8217;t make progress or get the help you need structuring a deal that just landed in your lap.</p>



<h4 class="wp-block-heading">If you work in real estate as an agent or investor or deal in notes, or use them as a side hustle for extra cash,&nbsp;<strong>or wish you knew how to&#8230;</strong>&nbsp;this message is for you.</h4>



<p class="wp-block-paragraph">A few markets are seeing higher inventory and lower prices. Even rents are coming down.</p>



<p class="wp-block-paragraph">In many others, values are still up and sellers won&#8217;t budge on price even if there are fewer buyers&#8230;&nbsp;<strong>they&#8217;ll sit on that 3% mortgage until hell freezes over</strong>&nbsp;if they don&#8217;t get their price.</p>



<p class="wp-block-paragraph">But any number of black swan events could start to crack the real estate market.</p>



<p class="wp-block-paragraph">Not knowing where things are going, buying property without getting a great price and/or great (seller financed) terms can be very risky.</p>



<p class="wp-block-paragraph"><strong>A low-risk way to invest</strong>&nbsp;in a market where sellers of investment properties (unless distressed) won&#8217;t drop prices is master leasing.</p>



<p class="wp-block-paragraph">Many of those would-be sellers don&#8217;t want to manage tenants, and aren&#8217;t ready to sell on terms&#8230;&nbsp;<strong>yet.</strong></p>



<p class="wp-block-paragraph">If they&#8217;d offer attractive owner financing, they would most likely sell quickly and easily for the price they want, but some people need time to warm up to the idea.&nbsp;</p>



<h4 class="wp-block-heading"><strong>Why not be the person they think of first when they&#8217;re ready?</strong></h4>



<p class="wp-block-paragraph">Selling on terms or investing in notes (especially partials) is another great way to invest relatively risk-free in this market when done strategically.&nbsp;</p>



<p class="wp-block-paragraph">A very <strong>special collaboration</strong> is brewing between myself and Lindsey Jensen of <a href="https://email.go.notequeen.com/c/eJxsU0tzozoX_DVilxRIIKOFFiYe8DuT2PEjG5eQBMgGiQjh16__ysnUV_fWnW1Xt9TnnG5-UILuPlbzULRoeYLDhr28qq-78AQNGIJo4AnTMKVpaZ61cfKrl1I_c9P8wQ_moqXtKtUe3K2VtDacOWV-cOFJGgxihIM4JKEnG6bqQyO7jpXy8XEd3ibjkrjReLC8Y3yPx-j0h_X9GGdNy1Sp_4E9ZJiFBfdxLIpCSExYHhYBCUjsSX1W1uhGakdba0TPH1a8ikIc5zxijEUxxkRGLCgKEqJABgUKEGaeotCH2B_4JBigMAqfxSAkEcwZIcLnmHMQ-v_ZQE0r59oOoCGAKYApr-VZ2pNy7qb0WXZO6fKHyA8_EyjtpNWsph8w7US2Oe0CANOMQXJarBrx2sK1fV--RQAmO_lFwjvvoiualysAk3m0jpBenq6zO2kubizKLfs9OHLc18EuiJfr2dti28PP0SZddasi6lHfn2eWAZh-Tovdej-epbP1FcDkXaPyFmRZthf-NguVtXe8OFYPJ9mmLY7x3Wp2-VhMAUxGF33vozjmI26zncDyls7b2Wt25Tr9JeAXBzBJBZzkL6JQdb4lbb5E60kVuXJzGUw097vzprGT0x5GedevPvmWvDVTPLHLrTLFSydt8nvI4khxHL-_Cj26TjsMYFJ0qIYvxxg3ACYbA2BSz3bprLu1gc5VuiSJK6fLTrWTIkfTfRYV1wGvil_zIZwv9nj4jgBMrsNK-tUQoBFAI68233EPp-1-cRz79XF8mZDpHvnk6jXSVUZQ1irPWFUqTfO-Pj19n81rrTkrIS2tJRPcaC25M9aztJLMVdKC0P93MjrTWy7pt_pJdeeni7EnaT1HuWkOf-2bo9Id_h949yjS4a9OzxT-LwAA___Zxj_4" target="_blank" rel="noreferrer noopener">Clever Kitty Investing</a> </p>



<p class="wp-block-paragraph">We&#8217;ve both used a variety of methods to acquire property and have a lot of overlap in our knowledge and experience.</p>



<p class="wp-block-paragraph">But I&#8217;ve never done master leasing and she&#8217;s never bought a note or sold a property with owner financing.</p>



<p class="wp-block-paragraph">I&#8217;m a licensed real estate agent again after 14 years of being &#8216;out in the wild&#8217; and she has never been licensed.</p>



<p class="wp-block-paragraph"><strong>She recently started up a community to provide top notch training and generous support.</strong></p>



<p class="wp-block-paragraph">I decided to join it and I&#8217;m dedicated to bringing what I have to offer to her community&#8230; I&#8217;m sure the way we work together will continue to evolve.</p>



<p class="wp-block-paragraph">Together we represent decades of experience in generating monthly cash flow through real estate and note investing.</p>



<h4 class="wp-block-heading"><strong>If you were ever going to consider joining something, this is the time.</strong>&nbsp;This type of value doesn&#8217;t come along often.</h4>



<p class="wp-block-paragraph">I highly suggest you take the opportunity to&nbsp;<a rel="noreferrer noopener" href="https://email.go.notequeen.com/c/eJxsU0tzozoX_DVilxRIIKOFFiYe8DuT2PEjG5eQBMgGiQjh16__ysnUV_fWnW1Xt9TnnG5-UILuPlbzULRoeYLDhr28qq-78AQNGIJo4AnTMKVpaZ61cfKrl1I_c9P8wQ_moqXtKtUe3K2VtDacOWV-cOFJGgxihIM4JKEnG6bqQyO7jpXy8XEd3ibjkrjReLC8Y3yPx-j0h_X9GGdNy1Sp_4E9ZJiFBfdxLIpCSExYHhYBCUjsSX1W1uhGakdba0TPH1a8ikIc5zxijEUxxkRGLCgKEqJABgUKEGaeotCH2B_4JBigMAqfxSAkEcwZIcLnmHMQ-v_ZQE0r59oOoCGAKYApr-VZ2pNy7qb0WXZO6fKHyA8_EyjtpNWsph8w7US2Oe0CANOMQXJarBrx2sK1fV--RQAmO_lFwjvvoiualysAk3m0jpBenq6zO2kubizKLfs9OHLc18EuiJfr2dti28PP0SZddasi6lHfn2eWAZh-Tovdej-epbP1FcDkXaPyFmRZthf-NguVtXe8OFYPJ9mmLY7x3Wp2-VhMAUxGF33vozjmI26zncDyls7b2Wt25Tr9JeAXBzBJBZzkL6JQdb4lbb5E60kVuXJzGUw097vzprGT0x5GedevPvmWvDVTPLHLrTLFSydt8nvI4khxHL-_Cj26TjsMYFJ0qIYvxxg3ACYbA2BSz3bprLu1gc5VuiSJK6fLTrWTIkfTfRYV1wGvil_zIZwv9nj4jgBMrsNK-tUQoBFAI68233EPp-1-cRz79XF8mZDpHvnk6jXSVUZQ1irPWFUqTfO-Pj19n81rrTkrIS2tJRPcaC25M9aztJLMVdKC0P93MjrTWy7pt_pJdeeni7EnaT1HuWkOf-2bo9Id_h949yjS4a9OzxT-LwAA___Zxj_4" target="_blank">apply for membership</a>&nbsp;for a one-time fee.&nbsp;</p>



<p class="wp-block-paragraph">By next year, I don&#8217;t believe she&#8217;ll be offering lifetime access.</p>



<p class="wp-block-paragraph">My&nbsp;<a rel="noreferrer noopener" href="https://email.go.notequeen.com/c/eJxsk1uToyoUhX8NvnWXghp54CF2RnO1pzvpXPolhYBKomAj5uKvP5WeqVNn6szbrsXasID9saPkZP-xXvq8RdkZjhv68iq_Bu5w4lEE0cjhuqFSkVI_K23FVy-Eema6-a0f9VUJ01WyPdp7K0itGbVS_9K5I4g3ilDoRT72HdFQWR8b0XW0FI-Da_8-m5bYTqajbAjDIZqi82_X92aMNi2VpfqP9mgLqV8wN4x4UXARYpr7hYc9HDlCXaTRqhHKktZo3rNHFKciYcAeRo64KESQF8hjtIiEi3KG_cinjiTQhaE7crE3Qn7gP_ORjwOYU4y5y0LGgO_-7wVqUlnbdgCNAUwATJr7nwYAE6abplfSStEBmJRG9-2jYNLKQahH2Rp5oVY8fa85NTv-uqtUVhhFa_IBk46n2_PeAzBJKcTn1brhry3cmPfsLQAw3osv7A-sC25oWa4BjJfBJkAqO98WA26udsrLHf05OrGwr729F2Wbxdtq18PPyTZZd-si6FHfXxaGAph8zov95jBdJIvNDcD4XaHy7qVpeuDuLvWlMUO4OlWPJOm2LU7RYBS9fqzmAMaTqxr6IIrYhJl0z0NxT5bt4jW9MZX84PCLARgnHM7yF17IOt_hNs_QZlYFttxeRzPF3O6ybczsfIBB3vXrT7bDb808nJlsJ3Xx0gkT_xzTKJAsjN5fuZrc5l0IYFx0qIYvpyhsAIy3GsC4XuyTRXdvPZXLJMOxLedZJ9tZkaP5IQ2K24hVxY_lGC5Xh3D8jgCMb-NKuNUYoAlAE6fW32D48_awOk3d-jS9zvD8gFx8cxphK80JbaWjjSylInlfn5--v81pjb5ILgypBeVMKyWY1cYxpBLUVsIA3_1zhjrdGybId_eT7C5PV23OwjiWMN0c_0qmJcIe_0XDPpA7_jXphcB_AgAA___uY0_I" target="_blank">Citizens of the Realm</a>&nbsp;community<strong>&nbsp;is free for now</strong>, but that will probably change next year as well, so if you want to be&nbsp;<strong>grandfathered in, I would suggest you join now.</strong></p>



<p class="wp-block-paragraph">See you in there.</p>
<p>The post <a href="https://notequeen.com/blog/why-master-leasing-and-owner-financing-belong-in-every-investors-toolbox/">Why Master Leasing and Owner Financing Belong in Every Investor&#8217;s Toolbox</a> appeared first on <a href="https://notequeen.com">Real Estate | Owner Seller Financing | Note Queen</a>.</p>
]]></content:encoded>
					
		
		
			</item>
		<item>
		<title>How We Turned a 0% Note into a Double-Digit Investment</title>
		<link>https://notequeen.com/blog/how-we-turned-a-0-note-into-a-double-digit-investment/</link>
		
		<dc:creator><![CDATA[Heather Manwaring]]></dc:creator>
		<pubDate>Sun, 12 Jul 2026 08:47:00 +0000</pubDate>
				<category><![CDATA[Seller Financing]]></category>
		<category><![CDATA[partials]]></category>
		<category><![CDATA[selling a note]]></category>
		<category><![CDATA[The Note Business]]></category>
		<guid isPermaLink="false">https://notequeen.com/?p=14704</guid>

					<description><![CDATA[<p>After focusing on seller financing and master leasing for a bit, we circled back around to talk about note investing on our Property &#38; Paper Live this week. They are all different sides of the same coin. I talked about a note deal I closed earlier this year with one of my investing partners. We&#160;solved [&#8230;]</p>
<p>The post <a href="https://notequeen.com/blog/how-we-turned-a-0-note-into-a-double-digit-investment/">How We Turned a 0% Note into a Double-Digit Investment</a> appeared first on <a href="https://notequeen.com">Real Estate | Owner Seller Financing | Note Queen</a>.</p>
]]></description>
										<content:encoded><![CDATA[
<p class="wp-block-paragraph">After focusing on seller financing and master leasing for a bit, we circled back around to talk about note investing on our Property &amp; Paper Live this week. They are all different sides of the same coin.</p>



<p class="wp-block-paragraph">I talked about a note deal I closed earlier this year with one of my investing partners.</p>



<h4 class="wp-block-heading">We&nbsp;<strong>solved the note holder&#8217;s cash problem without gutting income</strong>&nbsp;that could support them down the road. Win-win for everyone.</h4>



<p class="wp-block-paragraph">We bought a partial (just 28 pmts) of a note secured by a church / country store <img src="https://s.w.org/images/core/emoji/17.0.2/72x72/1f609.png" alt="😉" class="wp-smiley" style="height: 1em; max-height: 1em;" />&#8230; our ITV (investment-to-value) was less than 25% which was very safe for us.</p>



<p class="wp-block-paragraph">The<strong>&nbsp;interest rate on the note was 0%</strong>, so obviously, to create a decent yield we had to discount the balance of the note&#8230; at least the portion we were buying.</p>



<p class="wp-block-paragraph">Because we only purchased 28 payments, the investor&#8217;s funds would amortize down super quickly, meaning that most of the monthly payment would be the return of principal with a only a small amount of interest.</p>



<p class="wp-block-paragraph">From a risk basis,&nbsp;<strong>ordinarily an investor would be happy with 10%</strong>, but because of the crazy short term, the yield needed to be much higher to make it worth the time to do the paperwork and tie up funds.</p>



<p class="wp-block-paragraph">I go through all of the numbers in detail in this week&#8217;s zoom session.</p>



<p class="wp-block-paragraph">Later in the call we went into even more detail and talked about the <strong>little known risks of partials for </strong><mark><strong><em>the note seller&#8230;</em></strong></mark></p>



<p class="wp-block-paragraph">A story I told from the &#8216;old days&#8217; underscores the need to trust the operator&#8230; and the operator&#8217;s employees.</p>



<h4 class="wp-block-heading"><strong>Who you do business with is more important than the numbers.</strong></h4>



<p class="wp-block-paragraph">Additionally, most licensed servicers aren&#8217;t especially adept at partials, which can be challenging.</p>



<p class="wp-block-paragraph">Because this note wasn&#8217;t secured by a primary residence, and I have Mortgage Office (slick servicing software), I am able to service this note myself and make sure&nbsp;<strong>all parties are dealt with fairly.</strong></p>



<p class="wp-block-paragraph">In times like these, buying partials is one of the safest ways to invest as well as solve problems for people in a fair and equitable way.</p>



<p class="wp-block-paragraph">If you want to invest in notes, please feel free to fill out my&nbsp;<a target="_blank" rel="noreferrer noopener" href="https://notequeen.com/investing-partners/">investor form</a>&nbsp;and we&#8217;ll see if we are a good fit for each other.</p>



<p class="wp-block-paragraph">If you have a note you&#8217;d like to sell part of, please email me or submit your info via my&nbsp;<a target="_blank" rel="noreferrer noopener" href="https://notequeen.com/professional-note-appraisal/">note submission form</a>.</p>



<p class="wp-block-paragraph">*********</p>



<p class="wp-block-paragraph">To grab the first 20min or so of this week&#8217;s Property &amp; Paper Live, check out&nbsp;<strong>&#8220;0% Church Note Partial Pays 16%&#8221;</strong>&nbsp;on&nbsp;<a target="_blank" rel="noreferrer noopener" href="https://youtu.be/qBK5Uyqip0w">YouTube</a>&nbsp;or&nbsp;<a target="_blank" rel="noreferrer noopener" href="https://media.transistor.fm/68d6d0ad/084d56ca.mp3">Podcast.</a></p>



<p class="wp-block-paragraph">To access the&nbsp;<strong>FULL&nbsp;</strong>replay, join the&nbsp;<a target="_blank" rel="noreferrer noopener" href="https://my.notequeen.com/communities/groups/citizens/private-group">Citizens of the Realm</a>&nbsp;community and click on the&nbsp;<strong>&#8220;Learning&#8221;</strong>&nbsp;tab.</p>
<p>The post <a href="https://notequeen.com/blog/how-we-turned-a-0-note-into-a-double-digit-investment/">How We Turned a 0% Note into a Double-Digit Investment</a> appeared first on <a href="https://notequeen.com">Real Estate | Owner Seller Financing | Note Queen</a>.</p>
]]></content:encoded>
					
		
		
			</item>
		<item>
		<title>Why Master Leasing Could Be the Missing Link</title>
		<link>https://notequeen.com/blog/why-master-leasing-could-be-the-missing-link/</link>
		
		<dc:creator><![CDATA[Heather Manwaring]]></dc:creator>
		<pubDate>Fri, 03 Jul 2026 06:13:24 +0000</pubDate>
				<category><![CDATA[Seller Financing]]></category>
		<category><![CDATA[master leasing]]></category>
		<category><![CDATA[owner financing]]></category>
		<category><![CDATA[selling a note]]></category>
		<category><![CDATA[The Note Business]]></category>
		<guid isPermaLink="false">https://notequeen.com/?p=14687</guid>

					<description><![CDATA[<p>You may or may not know that after a lucid dream I had in 2004 where&#160;Jesus pushed me over the edge&#160;of the Grand Canyon, I quit my nursing job and dove into the note business full time. The full story of my start up journey is covered in:&#160;Note Investing for Newbies. In January of this [&#8230;]</p>
<p>The post <a href="https://notequeen.com/blog/why-master-leasing-could-be-the-missing-link/">Why Master Leasing Could Be the Missing Link</a> appeared first on <a href="https://notequeen.com">Real Estate | Owner Seller Financing | Note Queen</a>.</p>
]]></description>
										<content:encoded><![CDATA[
<h4 class="wp-block-heading">You may or may not know that after a lucid dream I had in 2004 where&nbsp;<strong>Jesus pushed me over the edge</strong>&nbsp;of the Grand Canyon, I quit my nursing job and dove into the note business full time.</h4>



<p class="wp-block-paragraph">The full story of my start up journey is covered in:&nbsp;<a rel="noreferrer noopener" href="https://email.go.notequeen.com/c/eJxsU81yozgYfBq4JQUSfz7ogEkYcBwcZ_wHF5cQAmSDhCUZHD_9ljNTWzu1c1TX1-qWvm5yZBU6bH8unWqA2RmEPY5W7HKvzArZGALom5XoMeOoEc9caHq5Usqfieh_40cxcSpVy4aj_hoo6gTBmolfeGVSZPsBmAEAYWDSHrPu2FOlcEMfwhdoucVYb9Ibp2TYjKLsd7-nvi8juB8wa_h_sAfNw45r0xKXdokdj1h-XfqQVoFJ-cik4D3lGg1SVFfysGK2iFi4LEHg17brY5eQmrqWV7u4LG0PlBCbDAELeJZv2bZnA9t9JoFnQUjrAJMa1xQajvW_H-hQq_WgDBgaIDZArFv654QB4seZ8ZEqzXhTC8npVDKqzI4cfz2KcU0lxx3aglhVP3bngz2TThB5F7wv6q0cLB0tnPSjSV7ZJirGqgvfiyRb8NXGaTQu8mktPkNoF-rrNWHzRCYHB4_O5nDokpy6PS_idnF4s2fs863NdAPXy-2ULcIL8ELHAPF5xpfv4pRH62G8wZsi0v9Io0vb-WOVSZ-Umf1xm1JVRrrLrxfW7NN8PZ_u_SRO4zsJw3UQ6ebQlsssb9LktqoWb2dVOJ8GmKd7VUO8i0m7X96CpH7o3ed2pVgbn877z1GHaw8zA8xXX1bZZb1S_X22CsBp4_WnpE7sSO_ytGdL_0HNs-znxtptbva2oAaYT5EFe1IS5l5n7EdwLz5eLNoGWQS7hQHmnevIbDDAPIwbA8xf37olT9TagC8GfDE78Z19ZzHk76fE6k7JlM4WObRmN7OnuhUVwgMzhWQN46i8duen74WZgxQjq6hEHcUVEZxTooU0JWop1i2VhmP9GRMlrpJQ9M1-Ymp8moQ8U2lqRPXx34jrR3WOf7WjERH98a8tHRH4JwAA__-fkEii" target="_blank">Note Investing for Newbies.</a></p>



<p class="wp-block-paragraph">In January of this year, someone with whom I&#8217;d been professionally acquainted called and told me she&#8217;d had a dream about me &amp; my business. She said, </p>



<blockquote class="wp-block-quote is-layout-flow wp-block-quote-is-layout-flow">
<p class="wp-block-paragraph"><strong>&#8220;There&#8217;s something you&#8217;re supposed to do that involves a community and a cat&#8230; does that make any sense to you?&#8221;</strong></p>
</blockquote>



<p class="wp-block-paragraph">At the time, I had recently started up my <em>Citizens of the Realm</em> community and I had become aware of Lindsey Jensen&#8217;s Clever Kitty brand when last Fall I heard her speak with Jim Ingersoll (<a href="https://email.go.notequeen.com/c/eJxsU0-Tojoc_DRwm6mQIOCBAzLjouPgOOs_uFghCRDNHwwRHT_9K2e3Xr1Xu9eu7nRXft3kwGm83_xc-LRD-QkmEqdLfr5Tl8YeRhCFLtUScxU3-llpy84XxtQz0fI3ftBXxUzf8u5gvzoWC02w5foXTl0We2EExxAiFLlMYi4OkvU9btjD-IzAqBzq9eymGOnWg67k9jfr-zGCZYd5o_6DPWQB9kceq3DlVdgPCAjrKkSMRi5TAzdaSaZs3BlNL-QRxW3jgFSjCtOgAoCGPsBVUAPG_HGEopAgP3R5DAEMQAg8L_CgN3omUQAQYnWESY1rhhwf_PEDIm6t7XoHJQ6cOnDKBLeMMiwkPjHTPzgOnLqCHH7l58oyo7CIN3Da0x_b094bGz9KgzPelfXGdMCmc3_20WSvfJ2WAxXJe5nlc7Vc-43FZXFd6c8EeWX_9ZrxSWayvY8Hf73fi6xgI6nKaTvfv3lj_vnW5rZBq8Xmms-TMwwS34HT01gt3vWxSFfdcEO3npjwY5aeWxEONDchqXLv43ad9VVqRXE582Y3K1aT611e9XF4J0myilLb7NtqkRfNLLst6fzt1Jf-pwMns11fI7ydkna3uEVZ_fC7Tzza83Z6PO0-B5usAswdOFl-gUrksu_lfbyM4HEdyGNWZ15qt8VM8kX4kBZ5_nMNtuubtymZAyfXFCBJKsJHlzH_Ed3LjxfA2ihPkZg7cCJGvsk7B06SaePAyeubWKisXznoxUEvrtDfNffnXfF-zIA4ZtfZeF4gML65ktlW0xh33NWGN1zF1UWcnr4P5nZGD5wyEwuGKdFKMWK1cU3cMmxbZhwf_L8Rvb4YwuJv9RPvh6erNidmXBsze_i3zfaxksNf49iYaHn46yCHGP4TAAD__8J4P0w" target="_blank" rel="noreferrer noopener">Deal Maker</a>) and bought one of her courses.</p>



<p class="wp-block-paragraph">I knew instantly that there was something deeper there, and the dream confirmed that it was time to do something about it.</p>



<h5 class="wp-block-heading">If you&#8217;ve been following our Property &amp; Paper Live sessions at all, you will know that the concept of master leasing has come up quite a bit over the last 2-3 months.</h5>



<p class="wp-block-paragraph">As a stand alone strategy, it&#8217;s a powerful tool in this market where both prices and interest rates remain high, PLUS&#8230; a lot of owners&nbsp;<strong>won&#8217;t go for a &#8216;subject to&#8217; sale</strong>, but are comfortable with leasing their property out to someone who will sub-lease it to a great occupant tenant and handle all the little stuff.</p>



<p class="wp-block-paragraph">It&#8217;s a&nbsp;<strong>low risk way for investors to get their foot in the door</strong>&nbsp;and really learn what real estate is all about before they invest large amounts of money.</p>



<p class="wp-block-paragraph"><em>Not to mention, master leasing is often the <strong>&#8216;gateway drug&#8217; </strong>that leads to a seller being willing to offer you owner financing.</em></p>



<p class="wp-block-paragraph">They see you are taking good care of the property and they are already used to receiving payments from you, so it&#8217;s a very natural thing for them to sell it to you on terms when they are ready.</p>



<h5 class="wp-block-heading">Because&nbsp;<strong>buying property with owner financing is one of my two primary objectives</strong>, anything that fills that pipeline is worth investing some time into&#8230;. one property = two options on notes.</h5>



<p class="wp-block-paragraph">I&#8217;ve always preferred notes over rentals, but the way Lindsey teaches it, I can see that it&#8217;s going to be&nbsp;<strong>far easier than typical land lording</strong>&#8230; less time consuming than a couple notes I have in my portfolio that require constant attention.</p>



<p class="wp-block-paragraph">When you don&#8217;t live in a huge metropolis and want to have impact in your local market, you often have to be able to wear different hats and use several tools skillfully.</p>



<p class="wp-block-paragraph"><strong>I want to see more marriages between non-bank housing and non-Wall Street retirement solutions in my market</strong>&#8230; to help create a parallel economy that makes all of us more resilient and old legacy institutions increasingly optional.</p>



<p class="wp-block-paragraph">Lindsey has just recently created a community <strong><em>(that I joined)</em></strong> where all her courses are available along with live sessions to help with implementation.</p>



<p class="wp-block-paragraph">For a limited time, a&nbsp;<strong>ONE-TIME&nbsp;</strong>payment provides<strong>&nbsp;LIFETIME ACCESS</strong>&nbsp;to all of her courses and 2 Q&amp;A calls per week. She holds your hand every step of the way so&nbsp;<strong>you can&#8217;t fail unless you refuse to take action.</strong></p>



<p class="wp-block-paragraph">If you are like me and very serious about investing in the market we have now, solving more problems and helping more people, I would suggest you&nbsp;<strong>seriously consider applying for membership&nbsp;</strong>at:&nbsp;</p>



<p class="has-text-align-center wp-block-paragraph"><a href="https://cleverkittyinvesting.com/">Clever Kitty Investing</a></p>



<h5 class="wp-block-heading">And yah&#8230; like me, she has a funny story of how she adopted an unusual name for a brand&#8230; we talk about that near the end of the podcast. </h5>



<p class="wp-block-paragraph">Lindsey&#8217;s done a lot of things, but&nbsp;<strong>she&#8217;s never bought a note!!</strong></p>



<p class="wp-block-paragraph">She&#8217;s glad to have me in her community and excited to add that to her bag of tricks. Between the 2 of us, there&#8217;s not much we can&#8217;t do! </p>



<p class="wp-block-paragraph">****************</p>



<p class="wp-block-paragraph">To hear the whole juicy&nbsp;<strong>NQ Podcast</strong>, check out&nbsp;<strong>&#8220;Master Leasing with Lindsey Jensen&#8221;</strong>&nbsp;on&nbsp;<a rel="noreferrer noopener" href="https://email.go.notequeen.com/c/eJxsU01zozgU_DVwSwpJmI-DDkDiwY6D44y_4OISkgDZIGEhY8e_fsuZqa3dmrl2vX7d9V43PQiG95ufC5f1KDvBqCPJUpzvzGYYEASRbzPVESFxrZ6lMvx84Vw-U9X9xg_qKrkeGtEfzFfPcasoMUL9wpnNMfADGEKIUGDzjoj20PFhIDV_CJ-RMynGaj27SU779ajKbvt76nsZJV1PRC3_gz1oHnEngJekBCVxPer4VekjzgKby1FoJTsuDe61Yhf6sGI32HN8v6qAy3gJeOnT0AVhhZwJ44BwgkpbYOhAz_EdADwAweSZBp6DEK8CQitScWS5zh8XaHFjTD9YKLLg1ILTL3Uxl-eSW3AKL34cvT-J6BzYLT388i-k4VqSFm_gdGA_tqc9CLUbJN6Z7Ipqo3vHJHN39lGnr2KdFCNro_cizeZyuXZrQ4r8ulKfEQLF8PWaijjV6d4lo7ve79s055NOFtNmvn8Dofh8azJTo9Vic83m0Rl6kWvB6SmUi3d1zJNVP97QbaDa_5gl56b1R5Zpn5YZ-LhdZ0OZmDa_nEW9m-Wr-Hrvruo4vtMoWgWJqfdNucjyepbelmz-dhoK99OC8Ww3VIhsp7TZLW5BWj307jFgg2imx9PuczTRyiPCgvHyyynbrBuG7h4uA3hce90xrVKQmG0-68TCf1DzLPu5drbrG9gU3ILxNXFQR0sqJpdQ_AjuxceLw5sgS1A7t2DcTlyd9RaMo2ltwfj1rV3IdFhZ6MVCL3arvmPuzvv8_Zg67TG9zsJ5jpzwZnfcNIph0gtbaVELictLe3r6fpjdazUKxjVuOWFUScmpUdrWuOHENFxbrvP_RAzqoinH3-wnMYxPV6VPXNsGc3P4N83m0ZLDX-0YTFV3-GshRwz_CQAA___u2T56" target="_blank">YouTube</a>&nbsp;or&nbsp;<a rel="noreferrer noopener" href="https://email.go.notequeen.com/c/eJxsU01zozgU_DVwiwskzMeBAyZhsOOQOOMvuLiEJEA2krAkY8e_fsuZqa3dmrl2qdX93uvGB0bi_ebn0iMDLE4g4Sh9Z-c7sUnsIghgYBPJERNxKydCGnq-UComWPLf-EFeBVW6Y8PBfA007iVGhslfOLFp7AYhiACAMLQpR6w_cKo1aulD-AydaTU26_lNUDysR1nz7e9X359hxAfEWvEf7EHzkTd1aY1qt0aej52gqQNISWhTMTIlBafCxIOS5IIfVuwuDoMgcgnyECC0bsLGQwEgIQYYQh8D17dZDBzgO4Hjur4L3OkEh74DIW1ChBvUUGh5zh8b6OPOmEFbMLFAZoGMU8LQxCgkNNNGqknDLZBNgY99FzYWyKKwxjWFzYQP0O7x4ddYTBiqBOrjDcg0-bE97d1IeWHqn9GuajZqcEy68OYfbf7C1mk1kj55q_JiId7XXmtQVV5X8jOBbqW_XnI2y1W-99Dorff7Pi_plIsq6xb7Vzdin69dYVq4Wm6uxSI5Az_xLJCdIrF8k8cyXQ3jDd40VsHHPD13fTCSQgW4LtyP23Wu69T05eXM2t28XM2ud36Vx_ENJ8kqTE277-plUbbz_PZOFq8nXXmfFpjNd7qBaJvhbre8hXnz0LvPXKJZlx1Pu8_RJCsfMQvM3r-cui-41vwevYfguPb5MW9yNzXbcs7ZMnhQy6L4uXa265u7qagFZtfUgRzXmE0vEfsR3quPZ4d2YZHCfmGBWT_1VDFYYJZkrQVmL6_9UuR6ZcFnCz7bvfxOv7cYyrdj7vTH_DqPFiV0opvNqekkidHAbKlYy0RcX_rT0_fB7EHJkRGq4p4igqUQFBupbBV3FJmOKstz_h8ULS8K0_ib_cT0-HSV6kSVbWJqDv-G3DzKc_irHRNjyQ9_7ekYg38CAAD__35cRbI" target="_blank">Podcast.</a></p>



<p class="wp-block-paragraph">As a reminder, to access the&nbsp;<strong>FULL&nbsp;</strong>replays of our twice monthly Property &amp; Paper Live sessions, join the&nbsp;<a rel="noreferrer noopener" href="https://email.go.notequeen.com/c/eJxsU01zozgU_DVwSwokDPigA5Aw4DgkzvgLLi4hBMhGEhYyOP71W_ZMbe3Uzu1V67VeS6-bHFiF9pufS6fqYXYCAcfRBzvfKrNCNoYAemYlOWYCNfJZSE3PF0rFM5H8N36Qk6BqaFl_0N89RZ0kWDP5C69MimzPB3MAIPRNyjHrDpwOA27offAZWrNirNfpVVDSr0dZ8u3vrsdlBPMes0b8B7vTXOzMbFri0i6x4xLLq0sP0so3qRiZkoJToVGvZHUhdylmi_CsJNAloCSVZQPgE-rbmMwIcOb1zKO1yRCwgGt5lm27NrBnz8R3LQhp7WNS45pCw7H-9wMdarXuBwMGBogNEPPvPxsMEBPJ-UUwzehggLhR8tLfC8I0u1FxL3vFRqzp0-PM7Mjh11uZ0FQJ3KENiIfqx_a0t-fK8SP3jHdFvVG9paOFk342yStbR8VYdcF7kWQL8bF2Go2LfFrJrwDaxfD9mrAwUcnewaOz3u-7JKczLoq4Xezf7Dn7emsz3cDVcjNli-AM3MAxQHyai-W7PObRqh-v8DoQ5X2m0bntvLHKlEfKzP68TulQRrrLL2fW7NJ8FU43Psnj-E6CYOVHutm35TLLmzS5flSLt9NQOF8GCNPdUEO8jUm7W179pL7Pu4V2NbA2Pp52X6MOVi5mBgg_vq2yy_gw8Nv8wwfHtcuPSZ3Ykd7mKWdL707Ns-zn2tqur_amoAYIp8iCnJSEzS5z9sO_FZ8vFm39LILdwgBhN3NU1hsgDOLGAOHrW7cUybAy4IsBX8xOPiLhLPr8_ZhY3TGZ0vkih9b8anKqW1kh3DNTKtYwgcpLd3p6LMzslRxZRRXqKK6IFIISLZWpUEuxbqkyHOtP9wzyoghFD_YTG8anSaoTVaZGVB_-db6-J-rwVzkaEckPfw3viMA_AQAA___zQFBD" target="_blank">Citizens of the Realm</a>&nbsp;community and click on the&nbsp;<strong>&#8220;Learning&#8221;</strong>&nbsp;tab.</p>



<p class="wp-block-paragraph"></p>
<p>The post <a href="https://notequeen.com/blog/why-master-leasing-could-be-the-missing-link/">Why Master Leasing Could Be the Missing Link</a> appeared first on <a href="https://notequeen.com">Real Estate | Owner Seller Financing | Note Queen</a>.</p>
]]></content:encoded>
					
		
		
			</item>
		<item>
		<title>The Truth About Seller-Financed Closings (It&#8217;s Easier Than You Think)</title>
		<link>https://notequeen.com/blog/the-truth-about-seller-financed-closings-its-easier-than-you-think/</link>
		
		<dc:creator><![CDATA[Heather Manwaring]]></dc:creator>
		<pubDate>Thu, 25 Jun 2026 21:11:18 +0000</pubDate>
				<category><![CDATA[Seller Financing]]></category>
		<category><![CDATA[owner financing]]></category>
		<category><![CDATA[owner will carry]]></category>
		<category><![CDATA[selling a note]]></category>
		<guid isPermaLink="false">https://notequeen.com/?p=14672</guid>

					<description><![CDATA[<p>It&#8217;s not uncommon for people to think that the closing process of an owner financed transaction is substantially different than a &#8216;normal&#8217; sale. In the last Property &#38; Paper Live I go over the similarities and differences&#8230; A seller financed closing is&#160;handled the same way&#160;a traditional closing is except for the following: When the bank [&#8230;]</p>
<p>The post <a href="https://notequeen.com/blog/the-truth-about-seller-financed-closings-its-easier-than-you-think/">The Truth About Seller-Financed Closings (It&#8217;s Easier Than You Think)</a> appeared first on <a href="https://notequeen.com">Real Estate | Owner Seller Financing | Note Queen</a>.</p>
]]></description>
										<content:encoded><![CDATA[
<h4 class="wp-block-heading">It&#8217;s not uncommon for people to think that the closing process of an owner financed transaction is substantially different than a &#8216;normal&#8217; sale.</h4>



<p class="wp-block-paragraph">In the last Property &amp; Paper Live I go over the similarities and differences&#8230;</p>



<p class="wp-block-paragraph">A seller financed closing is&nbsp;<strong>handled the same way</strong>&nbsp;a traditional closing is except for the following:</p>



<ul class="wp-block-list">
<li>There is no 3rd party&#8230; the buyer and the seller are the only people in the room</li>



<li>The seller becomes the lender, the bank&#8230; the <strong>seller&#8217;s name goes on the promissory note and mortgage instruments</strong> instead of a &#8216;Bank of America&#8217;&#8230; the seller is lending their equity&#8230; the paperwork is the same as if they were to lend cash from their bank account</li>



<li>The <strong>seller becomes the Loss Payee/Mortgagee</strong> on the insurance policy</li>



<li>There is usually <strong>no appraisal </strong>needed</li>



<li>The <strong>closing is much faster</strong> because no bank is involved</li>
</ul>



<p class="wp-block-paragraph">When the bank is making a loan to a buyer, they call up Fannie Mae and Freddie Mac as ask what sort of loan terms they are willing to buy.</p>



<p class="wp-block-paragraph">And based upon the answer, the bank determines what the loan terms will be for the buyer, and what documentation is required.</p>



<h5 class="wp-block-heading"><strong>They only want to originate loans that they can sell up the food chain for the highest possible price.</strong></h5>



<p class="wp-block-paragraph">Most banks don&#8217;t hold the loans they make on their own books, they sell them on the &#8216;secondary mortgage market.&#8217;</p>



<p class="wp-block-paragraph">When a seller is going to be the bank, they don&#8217;t know who to call&#8230; and it&#8217;s not Ghost Busters. <img src="https://s.w.org/images/core/emoji/17.0.2/72x72/1f47b.png" alt="👻" class="wp-smiley" style="height: 1em; max-height: 1em;" /></p>



<p class="wp-block-paragraph">They don&#8217;t know that there are &#8220;Private Fannie Maes&#8221; and &#8220;Private Freddie Macs&#8221; that could tell them how to structure their loan to the buyer in a way that would make it most valuable to the &#8216;secondary market.&#8217;</p>



<p class="wp-block-paragraph"><strong>That&#8217;s where I come in.</strong></p>



<h5 class="wp-block-heading">Seasoned note professionals who actively buy and sell notes are the only people qualified to be a part of a seller financed closing&#8230; no other professional has this expertise.</h5>



<p class="wp-block-paragraph">Even if a seller intends to keep the note forever for the cash flow, life happens, things change, heirs may want to sell the note down the road.</p>



<p class="wp-block-paragraph"><strong>Wouldn&#8217;t it be nice if the note was as valuable as possible?</strong></p>



<p class="wp-block-paragraph">That the discount required to sell the income stream were minimized?</p>



<p class="wp-block-paragraph">On top of deal structure and individual terms, these days any seller financed origination should be fully compliant. It&#8217;s worth the time and effort to&nbsp;<strong>have the buyer document &#8216;ability-to-pay&#8217;</strong>&nbsp;through a licensed MLO (mortgage loan originator).</p>



<p class="wp-block-paragraph">It&#8217;s also a great idea to&nbsp;<strong>require impounds for taxes and insurance</strong>&nbsp;and to require that a borrower agrees to cooperate with any change in loan servicing.</p>



<p class="wp-block-paragraph">Sometimes when the servicing of a note is changing,&nbsp;<strong>the new servicer needs a social and a signature</strong>&nbsp;from the borrower to board the loan.</p>



<p class="wp-block-paragraph">Borrowers can sometimes be slow about cooperating, which can hamstring the seller in switching servicers. But if it&#8217;s in the promissory note, then they would be in default for declining to cooperate, so there&#8217;s&nbsp;<strong>a little leverage to be had.</strong></p>



<p class="wp-block-paragraph">Until next time,</p>



<p class="wp-block-paragraph">Dawn <img src="https://s.w.org/images/core/emoji/17.0.2/72x72/1f642.png" alt="🙂" class="wp-smiley" style="height: 1em; max-height: 1em;" /></p>



<p class="wp-block-paragraph">******************</p>



<p class="wp-block-paragraph">To grab the first half of this week&#8217;s Property &amp; Paper Live, check out&nbsp;<strong>&#8220;Seller Financing Vs Traditional: Same Same but Different&#8221;</strong>&nbsp;on&nbsp;<a target="_blank" rel="noreferrer noopener" href="https://youtu.be/Gd13LRD_PeY">YouTube</a>&nbsp;or&nbsp;<a target="_blank" rel="noreferrer noopener" href="https://media.transistor.fm/3d539d02/437431af.mp3">Podcast.</a></p>



<p class="wp-block-paragraph">To access the&nbsp;<strong>FULL&nbsp;</strong>replay, join the&nbsp;<a target="_blank" rel="noreferrer noopener" href="https://my.notequeen.com/communities/groups/citizens/private-group">Citizens of the Realm</a>&nbsp;community and click on the&nbsp;<strong>&#8220;Learning&#8221;</strong>&nbsp;tab.</p>
<p>The post <a href="https://notequeen.com/blog/the-truth-about-seller-financed-closings-its-easier-than-you-think/">The Truth About Seller-Financed Closings (It&#8217;s Easier Than You Think)</a> appeared first on <a href="https://notequeen.com">Real Estate | Owner Seller Financing | Note Queen</a>.</p>
]]></content:encoded>
					
		
		
			</item>
		<item>
		<title>Why Your CPA Isn&#8217;t Telling You About the Installment Sale (IRS Code 453)</title>
		<link>https://notequeen.com/blog/why-your-cpa-isnt-telling-you-about-the-installment-sale-irs-code-453/</link>
		
		<dc:creator><![CDATA[Heather Manwaring]]></dc:creator>
		<pubDate>Fri, 05 Jun 2026 21:24:29 +0000</pubDate>
				<category><![CDATA[Seller Financing]]></category>
		<category><![CDATA[IRS Code 453]]></category>
		<category><![CDATA[owner financing]]></category>
		<category><![CDATA[The Note Business]]></category>
		<guid isPermaLink="false">https://notequeen.com/?p=14628</guid>

					<description><![CDATA[<p>If more real estate owners (especially long time landlords) knew about &#8216;the Installment Sale&#8217; tax code 453, there would a lot more seller financing and a lot more notes being created that would add to what I would guess is about a $70 Billion private mortgage market. It&#8217;s very odd from my perspective that attorneys [&#8230;]</p>
<p>The post <a href="https://notequeen.com/blog/why-your-cpa-isnt-telling-you-about-the-installment-sale-irs-code-453/">Why Your CPA Isn&#8217;t Telling You About the Installment Sale (IRS Code 453)</a> appeared first on <a href="https://notequeen.com">Real Estate | Owner Seller Financing | Note Queen</a>.</p>
]]></description>
										<content:encoded><![CDATA[
<p class="wp-block-paragraph">If more real estate owners (especially long time landlords) knew about &#8216;the Installment Sale&#8217; tax code 453, there would a lot more seller financing and a lot more notes being created that would add to what I would guess is about a $70 Billion private mortgage market.</p>



<h4 class="wp-block-heading">It&#8217;s very odd from my perspective that attorneys and CPAs know about this tax saving strategy, but will&nbsp;<strong>rarely bring it up to their clients.</strong></h4>



<p class="wp-block-paragraph">A 1031 Exchange is well known, and&#8230; not everyone wants to trade one headache for another. Often landlords just don&#8217;t trust other people to manage their properties for them.</p>



<p class="wp-block-paragraph">So&#8230; the CPA quotes the numbers, and many people just say, &#8220;Nope.&#8221;</p>



<blockquote class="wp-block-quote is-layout-flow wp-block-quote-is-layout-flow">
<p class="wp-block-paragraph"><strong>&#8220;I&#8217;m not going to pay the IRS a third of what I&#8217;ve built.&#8221;</strong></p>
</blockquote>



<p class="wp-block-paragraph">So the idea of selling goes back in the junk drawer and the handcuffs go back on&#8230; maybe next year.</p>



<p class="wp-block-paragraph">The first commercial building I bought there was a handwritten sign on the back door:</p>



<p class="wp-block-paragraph"><strong>For Sale, Call John</strong></p>



<p class="wp-block-paragraph">I didn&#8217;t have a lot of money, but hey, what the heck? We needed a place as it was hard to get much work done from home with 4 little kids running around.</p>



<p class="wp-block-paragraph">First thing he says is,&nbsp;</p>



<blockquote class="wp-block-quote is-layout-flow wp-block-quote-is-layout-flow">
<p class="wp-block-paragraph">&#8220;Now I&#8217;ll have you know, young lady, that&nbsp;<strong>we won&#8217;t take cash for this property.</strong>&nbsp;You&#8217;re going to have to pay us over time.&#8221;</p>
</blockquote>



<p class="wp-block-paragraph">Yes sir!!</p>



<p class="wp-block-paragraph">They had planned for decades that this commercial building was going to be their&nbsp;<strong>primary retirement vehicle&nbsp;</strong>by selling via Installment Sale&#8230; owner financing.</p>



<p class="wp-block-paragraph">They paid it off free and clear before they paid off the loan on their own house.</p>



<p class="wp-block-paragraph">The reason?</p>



<p class="wp-block-paragraph">Bank CDs were paying about 3.5% at that time&#8230; they charged us 7%, and didn&#8217;t have to give the IRS much at closing.</p>



<p class="wp-block-paragraph">And&#8230; their retirement was&nbsp;<strong>secured by a property they knew intimately</strong>&#8230; they could go check on it, touch the walls, kick the curb.</p>



<p class="wp-block-paragraph">If something went wrong, they could take it back and sell it again.</p>



<p class="wp-block-paragraph">If the stock market crashes, good luck taking control of whatever company you&#8217;re invested in to make sure you get your money back out.&nbsp;</p>



<h5 class="wp-block-heading">I&#8217;m always&nbsp;<strong>looking at real estate from the perspective of the note business.</strong></h5>



<p class="wp-block-paragraph">How do we get more notes? How do we solve more problems?</p>



<p class="wp-block-paragraph"><strong>Educate more people about seller financing.</strong></p>



<p class="wp-block-paragraph">That&#8217;s why I got my real estate license again after 15 years without one&#8230;&nbsp;</p>



<p class="wp-block-paragraph">I&#8217;m already investing in real estate and using owner financing for myself and inner circle, and I want more people to have access to this strategy.</p>



<p class="wp-block-paragraph">To pair tired landlords with a tax problem with good buyers who want to escape the rent cycle, but can&#8217;t qualify for a bank loan (or won&#8217;t pay their rates).</p>



<h5 class="wp-block-heading"><strong>Non-bank housing meets non-Wall Street retirement solutions and everyone wins.</strong></h5>



<p class="wp-block-paragraph">And while I&#8217;ve done some wholesaling and novations and found meaningful connection with sellers and buyers in that capacity, the reality is that&nbsp;<strong>I&#8217;m just wired as fiduciary.</strong></p>



<p class="wp-block-paragraph">Protecting all parties and creating fair exchanges is just in my DNA, so what I found is that while I did make more than I would have as an agent, I took on more risk to do it and faced an irritating amount of garbage from other agents and escrow people that didn&#8217;t get and didn&#8217;t trust what I was doing.</p>



<p class="wp-block-paragraph">As an agent, I can help more people in a way that fits my personality, make a bigger difference here in my local market, and educate more sellers about the Installment Sale&#8230;&nbsp;<strong>being the type of agent I wish I saw more of</strong>&nbsp;instead of trying so hard to get through to other agents.</p>



<p class="wp-block-paragraph">And every now and then, it&#8217;s likely that I&#8217;ll pick up an owner financed property or a master lease (which often leads to owner financing), or get to buy part of a note at closing or later on down the road.</p>



<p class="wp-block-paragraph">***************</p>



<p class="wp-block-paragraph">If you found value in this blog post &#8211; I run these free <a href="https://notequeen.com/resources/#trainings">&#8216;Property &amp; Paper Live&#8217;</a> calls twice a month, and put the full replays up inside of our community. If you&#8217;d like to be privy to these conversations up close, you can join the <a href="https://email.go.notequeen.com/c/eJxsk11zsjoQxz8N3LVDAgS84MI3tIrW-tKKN05IVkiFBCGA-unPaJ85c545vdv557_ZzWZ_7Ch4sN9tIoeX9vKM-wUdvovLnZs8QNTGtmdyVVAhg1S9SqXh0gDIV6aKP_pRdRKqOhPlUd9KCHLFqBbqR-cmBMjzLeIRGxETCiryYwF1TVN4FPajyfKm-Xb44Q7Zqc3PNU_-uJ6XMVqUVKTyP9ojjVCMwcH26UQ84iB0AivhLmcmyFZUShYgdVBWijfs0YqZBb7nejTBVuJRH3uej3iCE9aDhAG4DiKmCLCFiUUsFxHk2-QVcddznR47ucS3OTDDsf43gTzItC5rw-4bODRwWNz-Nhg4ZKooGim0gNrAYVqppnwETGhxB_kIy0q0VMPL88zM2fHnrUJqqCTNgx0Oaz75PO-RjybevH--7q3Iete2g-sWL8Z1MbFiZ7cgbwhnHyydfmy-8hHZNA4ycBhdBiV9n_YOcb26He5unGWIqWGxO82Gve9kPLYvW7iJQnlrb5QaeMDK1otEPN9ON2-fK7JvDtF15a7ZeCX0cM_TpmbdaKCsaybdIqTovJxnba8iXRL1cTim741v4NA_I4fcV2Nk3yfKX_dP4922_szX5GdQswYT72Z31167XjoGHqQWaK4MHE68ul6IfUuw--UtmvnXWhl44MgY7w_VIEKz-Ls4xaHf5Ts6HRxcnW2cjvVDf5psTlm7CncPP4YFYGbgULKZf2mvdJMuRPwovI2Wh811fNhzMmiamROtrRh96LCcj-DaGfbIsEdmrp5YOLMyXnxPrfx72r31ZrFt9a5mATpTPKClMFUlUiGDpMnPL89PM8tKtYJDFeRAOVNSAtOqMqsgA6ozqAzH-nuDatVUDIJn9ouo25dOVWeoTB0wVRx_5VIHoI__gqEfwB1_7bQN8D8BAAD__99jTKA" target="_blank" rel="noreferrer noopener">Citizens of the Realm</a> community and be part of a growing group of investment and connection minded individuals. See you inside!</p>
<p>The post <a href="https://notequeen.com/blog/why-your-cpa-isnt-telling-you-about-the-installment-sale-irs-code-453/">Why Your CPA Isn&#8217;t Telling You About the Installment Sale (IRS Code 453)</a> appeared first on <a href="https://notequeen.com">Real Estate | Owner Seller Financing | Note Queen</a>.</p>
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			</item>
		<item>
		<title>The Rise of Bad Debt and the Opportunities Available</title>
		<link>https://notequeen.com/blog/the-rise-of-bad-debt-and-the-opportunities-available/</link>
		
		<dc:creator><![CDATA[Dawn Rickabaugh]]></dc:creator>
		<pubDate>Thu, 14 May 2026 02:21:56 +0000</pubDate>
				<category><![CDATA[Real Estate News]]></category>
		<category><![CDATA[carrying back a note]]></category>
		<category><![CDATA[discounted notes]]></category>
		<category><![CDATA[owner financing]]></category>
		<category><![CDATA[owner will carry]]></category>
		<category><![CDATA[Seller Financing]]></category>
		<category><![CDATA[selling a note]]></category>
		<guid isPermaLink="false">https://notequeen.com/?p=14574</guid>

					<description><![CDATA[<p>The last Property &#38; Paper Live zoom was largely a download of what I took away from the DME (Diversified Mortgage Expo) in Nashville, along with&#8230; A scenario from Eric, a real estate agent in Southern Utah, who has a client who wants to sell a piece of land, and was thinking that seller financing [&#8230;]</p>
<p>The post <a href="https://notequeen.com/blog/the-rise-of-bad-debt-and-the-opportunities-available/">The Rise of Bad Debt and the Opportunities Available</a> appeared first on <a href="https://notequeen.com">Real Estate | Owner Seller Financing | Note Queen</a>.</p>
]]></description>
										<content:encoded><![CDATA[
<p class="wp-block-paragraph">The last Property &amp; Paper Live zoom was largely a download of what I took away from the DME (Diversified Mortgage Expo) in Nashville, along with&#8230;</p>



<p class="wp-block-paragraph">A scenario from Eric, a real estate agent in Southern Utah, who has a client who wants to sell a piece of land, and was thinking that seller financing with the subsequent sale of the note could be a good option.</p>



<p class="wp-block-paragraph">One of the themes from the conference (and an issue of debate on our call) was the suggestion that&nbsp;<strong>the note business, particularly defaulted institutional bank notes, were getting ready to come online aggressively over the next 3 years.</strong></p>



<h4 class="wp-block-heading">Eddie Seiler from the Mortgage Banker&#8217;s Association revealed the trends they are seeing&#8230;&nbsp;</h4>



<ul class="wp-block-list">
<li>Vertical credit card debt levels</li>



<li>Student loans</li>



<li>FHA delinquencies at 12%+ expected to turn into</li>



<li>Increasing foreclosures by the end of the year</li>
</ul>



<p class="wp-block-paragraph">Melody Wright echoes these sentiments, saying that the data we&#8217;re being given about the real estate market is&nbsp;<strong>not comprehensive or accurate</strong>&nbsp;in many instances.&nbsp;</p>



<p class="wp-block-paragraph">She asserts that we have more of an<strong>&nbsp;affordability problem</strong>&nbsp;than an inventory problem, and that things could get tough in many markets over the next few months and through the end of the decade.</p>



<p class="wp-block-paragraph">Bill Bymel recently released a book, &#8220;<a rel="noreferrer noopener" href="https://email.go.notequeen.com/c/eJxsU0uTqjoY_DWwcwoSILhgoTMiOj4QfOBsrACfEHkEQwT119_Sc-rWvXXOtpNO-vu6Ozmx1Il24cJIG7wq0Kiin2t2faZq6ugUI0zUlFeU1U7GP2ou4XoDqD8SXv3GT7yvQbQ5a07y0YBT8oRKxn_hqQqOTohNdM3GpgoVZeWpgralGbw-Ppb1T_y9vCy0Hy0Lg6tmzo3ft96PJbRqKMvq_2AvmkU1Y2ii5IyIkSBiUMDUADBVqDsmeF1BLZ1G8PSWvKSouZOaiCTYpiYlcWwR2zpbljU09UQ3EsumscocpCFLM3WMENKw-WFiDZ2RGZOhTihgUAztjw2UTi5l0yp4pCBXQW7f9x-0ok_-PlaQG0ouqsGSigJkO1gCyMGSyxzEYEXlTYCC3LRRkDvWptvIDPDRU8vk9GtYVksQNS2dHXLbdLovIt1-XI6tt1keJnl0VtC4UNB4SW7WAW4S5pke7dckx-F2NPPZ1J5u4jy3K183mk7Xx8E2gysZarlxDp_-cIvvJion-8vs3BqPUe8n22_j0rYjP-wOxbgq4uV8aW66-dbsvliYrR54u8oU5Jr6ZiaqoChL30NdPyUFlRdXQeNLEkbX_ib37JlNaItIOzX2mNqrDCbpQTwBsYX_LFYrC4v9-hZ9r5GC3BkEkAXeFz3Ix15BrogU5K7wKA6Gn810S3byHv985-O2c1MFuZo_6YspboJ7UGd0_3SL-7katWG_e7LFPdXXCnK9GVr3JLL9a5cz9uiCiVeV4eduvVjb6fQSTSaN5_nMXNE1KTY2Dx96rMW9gr8U_KWW_N0JY94clxdPKy9ePxvOj1gb3tUKZM5ThzZM5YJlrHbiW1kM3oapjeAdS0E4JdA04XUNieRCFU4O9OW5Ymj_j0_LbyIB580esLYb9FwUIFTpgDz9G335qtTpr3Kkk_Dq9Nf2dg76JwAA___3AEv5" target="_blank">The Storm</a>&#8221; and says he is tripling his private fund to be ready for the opportunities he sees coming.</p>



<p class="wp-block-paragraph">Sri, a long time contributor on our calls and a seasoned non-performing note investor,&nbsp;<strong>thinks this is overrated&nbsp;</strong>and attests that many $100mil &#8211; $200mil hedge funds have left the note space because there simply isn&#8217;t enough product.</p>



<h5 class="wp-block-heading">It&#8217;s great to have so many views, and I tend to think that just because things haven&#8217;t happened yet doesn&#8217;t mean they won&#8217;t.</h5>



<p class="wp-block-paragraph">Trends and statistical probabilities can be pegged, but<strong>&nbsp;timing is tricky.</strong></p>



<p class="wp-block-paragraph">Regardless of what I heard and the opinions/reports/conversations I assimilated, the fact remains that I can&#8217;t shake the feeling that we are&nbsp;<strong>on the brink of substantial change.</strong></p>



<p class="wp-block-paragraph">The type of change(s) after which nothing will ever quite be the same&#8230; 2020 was an example of that.</p>



<p class="wp-block-paragraph">I guess whether the change is painful or welcomed depends upon how we&#8217;ve positioned ourselves, and&#8230;</p>



<p class="wp-block-paragraph">I don&#8217;t see how there won&#8217;t be&nbsp;<strong>some pain for everyone</strong>, regardless of how prepared or how well diversified.</p>



<p class="wp-block-paragraph">Even if you deem the warning to be early or irrelevant, I believe it is long overdue to batten down the hatches, trim the fat,&nbsp;<strong>plug the financial leaks</strong>&nbsp;and prepare for all sorts of scenarios as the system unravels.</p>



<p class="wp-block-paragraph">People were stylishly strutting down the streets of Manhattan&#8217;s Roaring 20&#8217;s one day and jumping off bridges the next.</p>



<h5 class="wp-block-heading">Regarding asset protection, the most important thing is to&nbsp;<strong>protect the living flesh &#8216;real estate&#8217; of your own body</strong>&nbsp;and the bodies of those you love and need to provide for.</h5>



<p class="wp-block-paragraph">I put together a&nbsp;<a rel="noreferrer noopener" href="https://email.go.notequeen.com/c/eJxsU9uSqjoQ_Rp4cwoSEHzgQWfEy3hB8TbzYgXSQrgkmERQv_6Us3edOrvOfl3J6l7dvVZ6ZjQ47eOFQxu8KtGwJu9rdn1SkwY2wQh7JhU1YTzIxBsXGq43AP6Wivo3fhYdB6ly1pz1o4GgEinRTPzCqQmB7Xm-Z1s-dk2oCavONShFMng1_qr4d_K5LBbWt5XF26vlzp3fv36KpaRuCMv4f7AXrU8sZ-Ci9II8J0WeQwATB8A1gbdMCl4D10EjBb2lLylmHhBkJ6nTtwBZXpr4Fx_6ruPb9JIgmtipb7IAWahvuTZGCFnYfXOxhS7ITbyB7RHAYDjW_zZQBbnWjTLw0EChgcI_Xg0UJkSxtNdIaIgEykGpHuE9VjdCasJ1j_EWlH6pNVBoVun515iMa5CcVMEehYpODuXJ9h_Fl5pulsdxfroYaFQaaLT0bv0j3DTMM_t0WHs5jnfDWcQm_mST5LlfR7bTtLY92u4yuHoDK3cu8TMa7PDdRdX4UMwuynkMuyjdfTqFUsMobo_lqC6T5Xzpbtr5zm0_WJytHni3ygwUuvZmJuttWVXRFLXdxCuJLkIDjYo0Pl27mz6wZzYmCnlq4hww8VcZjOlRPgGxRfQsV6s-lof17fS5RgYKZ7CFbDv9IEf9OBgolCcDhSs8TLaD92ay8_b6nnx_5iPVhtRAoRWNu3KCm-19yzNyeIbl_VIPVdztn2xxp_baQOF0htadd_Kja5sz9mi342ldxe_79WLt00lxGo-b6TRi7oqsvXLji_hhJ1bSGfjDwB9mJX7S4Mybr2Uxtapi2s0G8y9sDe5mDToXNCANM4VkGeNBcqvK3s_BzEaKllGQQQWEpoJzSLWQpgxyIDoHaTjWn8ZR4iZTCH7YPabaXidkCdLUAejzv6bXrzCd_ypHB6moz3_NbRugfwIAAP__5iNMrw" target="_blank">Preparedness List</a>&nbsp;and recorded a&nbsp;<a rel="noreferrer noopener" href="https://email.go.notequeen.com/c/eJxsk0uTqjgcxT9N2HUXJGBwkYW24qN9oCjSvaECiRBeQQigfvop-96amql7t7_kJCf5nxOHgpHg7G1MVqNdDicl_diL25NpjBgUQYQ1JksqKpLI90oqfus4r95jWf7moRwq3rSpqEP1qDkpZEyVkL840zgxMLaxodvI0nhJRRGWvG1pwl8XfxXVd_S5zTb6t554x5turc3fu34Oi2lZU5FU_2Ev2Yjq5tiC8RViM4bYpBxRk3NL41UvGlmVvFKkbiTr4pcVLSWRNcYwHtkx5TQaWdBkY0SRrTOD2bYBmSYI1OFItwwEIdSR9W4hHV6hFeGxgSlHHJj6Hz9QkFSpugVoAqADoDMMw_tDdqqL-Gv9RaiKU4CcHqDZFmI37G0_O521Ig5_PUlUijcVLcgZOi1b-Hlg2I_sq10etpd5GlwBnOYATre4G114p_g6MQJ_j1PknSYrVyzsxSFKU7t0DbPuDWN6PCX8hsd6al69pzs-obsFi7mfra6t-ZgMbnz6NLO2nbhef8mnZR5t11vr0K9PVj8TXrJ7oNMuAdCxjMOqKY95UbhL2A8LnFOVOQBOs9gLbkOnfPFM5rSFuF2YPqL2LuFzdmmeHIqN-8x3uxFq_H0XfO4hgM6KH3lyXM7oRT18AJ0mANDZoUl0HH_UixM-q3v0_ZlO295hADq6Ox_yBaqP92OVUP_p5PdrOWm94fwUmzsz9gA6yxXcDziw3VufCvHoj_NlWXgf5_1mb7NFFszn9XLpCmtH9zg_2NJ7GJEeDQDNAJpphfxJvrmuv7bZUi-y5bAar7-QPr5rJVepZITWQpONSERFoq7I334GptWN7AXjDSk4ZbGsKh4r2WgNSTlVKW-Aqf8_JK3smpiTH_WbaPu3QTY5bzRFuAr_Dbh6FSf8qx1FYlmGf-1oT-A_AQAA__97EkMP" target="_blank">YouTube livestream</a>&nbsp;for reference if you are new to this conversation.</p>



<p class="wp-block-paragraph">Additionally, we need to think about starting businesses to generate extra income and/or take charge of our investment dollars so we can optimize outcomes for better cash flow and have exposure to appreciation should inflation get even more out of hand.</p>



<p class="wp-block-paragraph"><strong>Notes secured by real estate for cash flow, hard assets for appreciation</strong>&nbsp;and the inevitable trend toward sound money as our fiat system collapses just as all others before it have.</p>



<p class="wp-block-paragraph">*****************</p>



<p class="wp-block-paragraph">To grab the first half of this week&#8217;s Property &amp; Paper Live, check out&nbsp;<strong>&#8220;Tidal Wave of Bad Debt?&#8221;</strong>&nbsp;on&nbsp;<a rel="noreferrer noopener" href="https://email.go.notequeen.com/c/eJxsk82SqjoUhZ8GZt0VEjAwyEC7RbQVEPyhe2IFiBD-ghBAffpb3efUrXvrnOmqrOxVe38rufCURMdwq6ctcks4r-mbx2_PVE2JRhFEWE1FTXlDMvHaCMluA2PNayLq3_pFTA3r-py3F_loGalEQiUXv_RUZUTD2MQaMJGhspry6lKzvqcZ-x78WTVf8ceu2IIvkIXBDRgb_fern88SWreUZ81_tG_bjALdMmByhVhPINYpQ1RnzFBZM_JONDVrJGk7kQ7JdxQ1JzOomxCYSKca0GaWYc6wdsXQMHVgWVRDKicQwBkwNAQhBMh4NRCAV2jE2NIwZYgpOvhjAxXJpWx7Bc0VaCvQfohBDq8xU6Cdb_PN0DbutkjUKrn8ys8bybqGVuQI7T5dncpIMx_FZ-_sd-dlHl0VuCgVuNjhYXZmg2SbTItOHs5ReJivfb4yV_s4z83a1_R21LRFcMjYDVsg16_h07cO6G7Aankq1tdef8wnPzl86EXfz_1wPJeLuox3m52xHzcHY3znYeY-0MHNFGgb2n7d1UFZVb4Dx2mFSyoLW4GLIgmj2zTIE39mS9pD3K_0E6Kmm7Fleu6eDPKt_yxdd4a6kzdEHx5UoL1mAcsC552e5eOkQLuLFGi7aB4H1lu7OuCjvMdfH_miH-1UgTbwl1O5Qm1wD5qMnp52eb_W8z6cjk--vaeap0DbWUNvwpHp38ac88cYLJ26Ct-O3tYz01URLZet4_jccKmHy70pwocWg3hS0LuC3tVK_GCub9rPXeGAqnCmtbX5RMC6qzWTuUgJbbkqOp7xhsRDVb78HExtOzHylHWkYjRNRNOwRIpO7UjOqMxZp-jg_0T0YugSRn7cL7wfXybRlaxTJWHy8i_N8rsll7_GkSQR9eWvhRwJ_CcAAP__S487cA" target="_blank">YouTube</a>&nbsp;or&nbsp;<a rel="noreferrer noopener" href="https://email.go.notequeen.com/c/eJxsU8ty6joQ_Bp7F0qWbGQWXkCCeSSAwbySDSVLgy38kJGFDXz9reScunVvnbPtmp7pmenmJymC4y7-cEVNljkelux1Ja9PYYvAYQQTagtVMlkFqepVysD1BlD1uCp_4yfVVaCbTNYn86ghKBRnRqpfuLAhcCj1qYN84tlQMlmcSmgalsL34M-i-kreF5cP9IXSeHNF3tz9XfXTjLOyZjKt_oN90_oMuQMP8zOmLsfUZUCYC-DZULVSq6qEygS1VuLGv6XYWUApooJTinhfMOYTDsxzAZ0Zo45wXGzLACPcR55DMMaIeD2PIHzGXkIHDmVAwHLRHxcogsyYurHI0MKhhcMShGQ9o1nVyMYo3TuXFg4Z9_tOXzgWDsFLKEkG_V5ZE7vgp19rycqArlgR7HDYiMk-Pzr-4_LZTNeLwzg7ni08yi08WtBb_wA3A_PUOe5XNCPxdjiL5MSfrJMs88vIcevWcUabbQpXOkCZe46f0WBL7h4uxvvL7Ny4j2EX8e27e2maYRS3h3xU5slivvDW7XzrtW8yTpcPsl2mFg49Zz3T5SYvimiK225Cc2YuoYVHFx4fr93N7OUzHbMG02bi7gnzlymMxUE_AcuP6Jkvl32i96vb8X2FLRzOYAPpZvrGDuaxt3CojxYOl2SYbAav9WRLd-aefL1no6YNhYVDFI27fELqzX1TpWz_DPP7uRw2cbd7yo-7cFYWDqczvOro0Y-ubSblo92Mp2URv-5WHytfTC7H8bieTiPpLdmK5mtfxQ8nQUlnkTeLvNmF-nG_O68_F5cpKi7TbjaYfxI0uNslmEyJgNXSVlqmsgqSW5G__DzMrrVqpQAdFMAEV1UF3Cht6yADZjLQlov-b5RG3TSH4If9Ipv2pVM6B22bAMzpX5Ob7_Cc_irHBFyVp7_mtA3wPwEAAP__W0dD2g" target="_blank">Podcast.</a></p>



<p class="wp-block-paragraph">To access the&nbsp;<strong>FULL&nbsp;</strong>replay, join the&nbsp;<a rel="noreferrer noopener" href="https://email.go.notequeen.com/c/eJxsU0uTqjoY_DWwm6mQgIEFC50RH-MDxdfMxgrwCeEVDAHUX39Lz6lb99Q9u6863Ukn6Y7OPHZP-2BhxjVZ5XhYso81vz5iPXYNRjCheixKxis3Ee-VUHBtAar3SJS_8bPoK5BNyuuzutfgFiJiiotfeKyDa1BqUwPZxNKhZLw4l9A0LIHnwd9F9RN-LbMF-kFJsL0ia27-Zr02i1hZM55U_8GesgFDpmPh6IKpGWFqMiDMBLB0qDouRVVCpdxairiNnlb01MXICS0bDWJEQ8zCywUQo4g6LIzBwQzr3MUID5BlEIwxIta7RRC-YCukjkEZENBM9L8XKNxUqbrRyFDDnoa98v4nQcNeJMqyrbji0GjYS6Ro6-cQccUfUD3HWvKOKXh7relFdP51V14pkBUr3D32mnhyyE-Gfc--m-lmeRynp4uGR7mGR0vaDo7QKpgnxumwpikJdsOZzyf2ZBOmqV36hll3hjHa7hK4Ugel5iV4-M6O3CxcjA_Z7NKY92HvR7svM2uaoR90x3xU5uFyvrQ23XxndZ88SFZ3slslGvYsYzOT5TYvCn-Ku35Cc6YyT8OjLApO175VB_5IxqzBtJmYB8LsVQLj-CgfgPnCf-Sr1YDIw7o9fa2xhr0ZbCHZTj_ZUd0PGvbkScPeigzDrfNRT3Z0r27hz1c6ajov1rCH_HGfT0i9vW2rhB0eXn67lMMm6PcPvrjFxlrD3nSG1z092f61Szm_d9vxtCyCj_16sbbjSXYaj-vp1OfWiq1pvrFFcDdCFPYa-dTIp16IVyXMef29zKaoyKb9zJl_E-Tc9BJUKmKX1VwXkie8csO2yN9eH6bXUnQ8BukWwOJIVBVESkhduikwlYLUTPRnehrRygjcl_qNN91bL2QOUlcuqPO_yVfPRp3_ake5kSjPfy1v5-J_AgAA__8akk5I" target="_blank">Citizens of the Realm</a>&nbsp;community and click on the&nbsp;<strong>&#8220;Learning&#8221;</strong>&nbsp;tab.</p>
<p>The post <a href="https://notequeen.com/blog/the-rise-of-bad-debt-and-the-opportunities-available/">The Rise of Bad Debt and the Opportunities Available</a> appeared first on <a href="https://notequeen.com">Real Estate | Owner Seller Financing | Note Queen</a>.</p>
]]></content:encoded>
					
		
		
			</item>
		<item>
		<title>Banks Call It ‘Creative Financing’, But Who’s Really Being Creative?</title>
		<link>https://notequeen.com/blog/banks-call-it-creative-financing-but-whos-really-being-creative/</link>
		
		<dc:creator><![CDATA[Heather Manwaring]]></dc:creator>
		<pubDate>Fri, 24 Apr 2026 19:26:05 +0000</pubDate>
				<category><![CDATA[Seller Financing]]></category>
		<category><![CDATA[carrying paper]]></category>
		<category><![CDATA[owner financing]]></category>
		<category><![CDATA[The Note Business]]></category>
		<guid isPermaLink="false">https://notequeen.com/?p=14557</guid>

					<description><![CDATA[<p>&#8216;Creative Financing&#8217; often gets a bad rap. It&#8217;s like calling someone a &#8216;Conspiracy Theorist&#8217; to dismiss them summarily without serious consideration&#8230; But I contend that the&#160;centralized institutional banking system&#160;born out of 1913 is hands down the&#160;most creative financing&#160;one could ever imagine. Seller financing and private lending were default solutions for real estate from the 1600s [&#8230;]</p>
<p>The post <a href="https://notequeen.com/blog/banks-call-it-creative-financing-but-whos-really-being-creative/">Banks Call It ‘Creative Financing’, But Who’s Really Being Creative?</a> appeared first on <a href="https://notequeen.com">Real Estate | Owner Seller Financing | Note Queen</a>.</p>
]]></description>
										<content:encoded><![CDATA[
<p class="wp-block-paragraph">&#8216;Creative Financing&#8217; often gets a bad rap. It&#8217;s like calling someone a &#8216;Conspiracy Theorist&#8217; to dismiss them summarily without serious consideration&#8230;</p>



<p class="wp-block-paragraph">But I contend that the&nbsp;<strong>centralized institutional banking system</strong>&nbsp;born out of 1913 is hands down the&nbsp;<strong>most creative financing</strong>&nbsp;one could ever imagine.</p>



<p class="wp-block-paragraph">Seller financing and private lending were default solutions for real estate from the 1600s through the 1930s.</p>



<h4 class="wp-block-heading">It wasn&#8217;t &#8216;creative&#8217;, it was&nbsp;<strong>mainstream real estate practice.</strong></h4>



<p class="wp-block-paragraph">It wasn&#8217;t until the 1930&#8217;s when banks took over. Owner financing didn&#8217;t disappear, but it became secondary to the federal mortgage system.</p>



<p class="wp-block-paragraph">And before you know it, everyone is addicted to Wall Street&#8217;s financial opium and we have no memory of how it used to be.</p>



<p class="wp-block-paragraph">Getting back to seller financing and other private solutions is not divergent&#8230;<strong>&nbsp;it&#8217;s remembering and returning to&nbsp;</strong>the decentralized grassroots way things were done for most of our history.</p>



<p class="wp-block-paragraph">I wish I was creative enough to think of what banks have come up with&#8230;</p>



<h5 class="wp-block-heading"><strong>They lend out money they don&#8217;t have.&nbsp;</strong></h5>



<p class="wp-block-paragraph">They create their Monopoly money out of thin air (thanks to fractional reserve banking) and &#8216;lend&#8217; it to you with interest and if you don&#8217;t pay it back they confiscate your very real property.</p>



<p class="wp-block-paragraph">It&#8217;s legalized theft, a Ponzi scheme, fraud&#8230; it&#8217;s embedded into all of our institutions, quietly robbing we-the-people, making us all debt slaves for life.</p>



<p class="wp-block-paragraph"><strong>When seller financing, private lending and the private note business work seamlessly together, we return to our roots and make the beast system (which is fracturing in real time) optional, if not obsolete.</strong></p>



<p class="wp-block-paragraph">******</p>



<p class="wp-block-paragraph">The above discussion came up in the last half of this weeks&#8217; Property &amp; Paper Live.</p>



<p class="wp-block-paragraph">During the first half posted online we had powerful conversation with Anthony, who is currently talking to 2 older people who have portfolios of mostly free and clear rental properties. It was a juicy discussion and well worth your time. I&#8217;m excited to see what kind of deal he will make.</p>



<p class="wp-block-paragraph">Many&nbsp;<strong>tired landlords really can double their net income</strong>&nbsp;<strong>without dealing with tenants&#8230;&nbsp;</strong>they just have to relate to their property in a different way.</p>



<p class="wp-block-paragraph">To grab the first half of this week&#8217;s Property &amp; Paper Live, check out <strong>&#8220;Banks Are The Epitome of Creative Financing&#8221;</strong> on <a href="https://email.go.notequeen.com/c/eJxsk0FzozgQhX-NuCUFQgg46BAMxDC2syQhsfdCCdE2igGBkB3bv34rmamt3Zq5vtJTv3r9tahkw7bly4o0o7s54oeeL57kdGushjncxa5vNarncmAHdT8oA9MJYLgXqv-lV-pzAD23cqzMdQTWKcGNVD_1xgLm-L5vkxC7gQU9l13VwzzzA3wNfvaXi4VziffTsM4vf5G_55D_evX9meD9yOVh-I_2ZaMh1EEY1oJwBwecEoprCCmxYDhLrYYeBsNGrZqT-IpitQw7eE8IgMAOAeqEtUcFdVy-F3btcjewJMM2pjbBxKHEd4L70AtICITTvR1Q6lNE7N8a6FhrzDgj9wHhFOH0qk7mdF8Dwmn6I9GOKTdvT5nViepnfjkY0APvWInTuXl8O24dhKPTxgO-W2TSux3gsz9E1yQf9s5q185OrHVxvpGPp9ctwmlcROKIcJTooyqaIu_eX1uVKL65FghHLwinl-LcLei6gNAzx8Vj_ZRq-PEarPdLhCP3SmRYPj73zSqbKPdwu9rtlkkG26lduwinz7ostnNC09vUx6uyFL09TeWhcP08f8DngNBbZpNp8l7eir0fbRGOlI9JnlwS-b7MuvV7d01SXL6Mwk_sONBv757dxbjNmlhvEI42ryPCqY3c2OrUN3okH3frj6XdfSw_szDfuXZ4sXowrWoYH6WltDzIgdWn7nj3XaI1anWWDWjWAW-EGgYQRmlLsxa4aUEjYv9_S7M6aQHs230n5_Pdp9JH0Jb5YrX6YwDDhOqrP56FYWCqf7k8M_xPAAAA___buxVM" target="_blank" rel="noreferrer noopener">YouTube</a> or <a href="https://email.go.notequeen.com/c/eJxsk19zsjgYxT9NuKsDD5E_F7koClVX7dKWVveGCUmQVEggRKt--h37vrOzO9vb3-QkJ-c5DyslJ7vidY1572-P8NjR2bMcbtzhxKM--KHDdUelIgc9UdqK4SSEmjDd_eal_lLCjI3sS3vtBWk1o1bqX5w7gnhhGLo4Bj9yREdlW3ZiHOlB3B9-CRezmXeZ14ParC5_4r_GmP4-9X0Zo11P5UH9i91lQSyqKI4rhqkHEQ1wAJWIA-wIdZZGq04oS3qj-YndrTgNAajrijGoI05pxNwKx3XFKz_iOKhjFjmSgAuBiwF7AQ69aBJPIxwLTIPajYIgDBB2_5dASxpr-xH5jwgyBNnYUCMm1lA1ytFqM6m7O0WQVQJCL46w07Ly11-kssIo2pICspE_vR93HoLktJ0Kup8t5fR2EF_dIbmmK1V7630zenNj8vMNfz6_7RBk8zxhRwRJao465_mq_XhrdKrp9pojSF4RZJf83M6CTS7iqT3OnqrnzIg_3qJNvUCQ-Fcs4-LppePr5RDQKTTr_X6RLsVuaDY-guzFFPluTIPsNnTzdVGwzh2G4pD74Wr1COcIB7eli4dh-vqe12GyQ5DoEPAqvaTyY7FsNx_tNc2geO1ZmLrzyLx_TN12Ds2Sz80WQbJ96xFkLvLnTqu_a4hX_X7zuXDbz8XXMl7tfTe-OJ2wjeaE9tLRRh6kItWpPT58h-j0Rp8lF4a0gnKmlRLMauMY0ghqG2EQdv87sVGfDBPkW_0gx_PDlzZHYRx77235owFLmO7KH1fEEmHLfzp6JvB3AAAA___NDBp8" target="_blank" rel="noreferrer noopener">Podcast.</a></p>



<p class="wp-block-paragraph">To access the&nbsp;<strong>FULL&nbsp;</strong>replay, join the&nbsp;<a rel="noreferrer noopener" href="https://email.go.notequeen.com/c/eJxsU01z4jgU_DXyLSn7WfjjoEMMdoAFsk5CAnuhhPTACrZky4IAv34LZmprp2Zur1rdUqvVEhsl2Wr5NqOyDRcHeGr48EV1V-lJFvAQwtiTpuFKs7151MZhd0TUj8I0P_GN-dZo-0q1G3dpkdVGcKfMD1x6yII4jn2aQph42HBVbxrse77H28Gv8Xg4DM6jXafn0_Pf9J8-5T9Z980Eb1qu9vp_2E0WpbhN0nQrKA8g4RGNYItpRD3UJ2WNblA71lojj-JmxauYpCEMZAzbJJLbNB5Q4UsEP4xQiF2QgqcY-BD5FGgQ0ThIHtNBQlOkPNr5SRTFEaH-bwnUrHKu7Un4RKAgUDSXXwkECmGa5qiVU9gTKPbWHNvbIJRTV9S3sbXqxB0-3Ne8Wmx-3FVph1bzmi2h6OXzx2EVEMiOiwHy9XCiBtc9fjf77JJP9S6Yras-GFlbnq706-V9RaAYlZk4EMhyezClLKf153tlcsMXl5JA9kagOJenehjNS0wH7jB83r4UFv96T-a7MYEsvFCVLp9fGzmbdBEfQDVbr8f5BFddNQ8JFK92Wa76PCquXTOaLZei8btuuS_DeDp9glNCo-vEp103ePsod3G2IpCZGOg0P-fqczyp55_1JS9g-daKOPdHif34HPj1CKqJHNkFgWzx3hIofBKOvNrca0qn7Xr-Nfbrr_H3JJ2uQz89ew26ykjGW-UZq_ZKs-2xPjzcQ_Raa05KomU1cimM1iicsZ5lFXJXoSXU__VFe3O0Atld_aD608O3sQe0nrv1evNHA44J02z--IUcQ7f5r8MnBv8GAAD__3IiJts" target="_blank">Citizens of the Realm</a>&nbsp;community and click on the&nbsp;<strong>&#8220;Learning&#8221;</strong>&nbsp;tab.</p>
<p>The post <a href="https://notequeen.com/blog/banks-call-it-creative-financing-but-whos-really-being-creative/">Banks Call It ‘Creative Financing’, But Who’s Really Being Creative?</a> appeared first on <a href="https://notequeen.com">Real Estate | Owner Seller Financing | Note Queen</a>.</p>
]]></content:encoded>
					
		
		
			</item>
		<item>
		<title>Escape the ‘Wealth Vampires’: A Smarter Way to Do Real Estate</title>
		<link>https://notequeen.com/blog/escape-the-wealth-vampires-in-real-estate/</link>
		
		<dc:creator><![CDATA[Heather Manwaring]]></dc:creator>
		<pubDate>Fri, 10 Apr 2026 21:02:02 +0000</pubDate>
				<category><![CDATA[Seller Financing]]></category>
		<category><![CDATA[carry paper]]></category>
		<category><![CDATA[carrying paper]]></category>
		<category><![CDATA[owner financing]]></category>
		<category><![CDATA[owner will carry]]></category>
		<category><![CDATA[selling a note]]></category>
		<category><![CDATA[The Note Business]]></category>
		<guid isPermaLink="false">https://notequeen.com/?p=14551</guid>

					<description><![CDATA[<p>I don&#8217;t ask banks for loans or permission to close on real estate transactions&#8230; and I&#8217;ve never had all cash. All purchases since 1998 have been financed by the seller, and once in a rare while, a private money partner. My last bank loan was when we bought our first house in 1998, and since [&#8230;]</p>
<p>The post <a href="https://notequeen.com/blog/escape-the-wealth-vampires-in-real-estate/">Escape the ‘Wealth Vampires’: A Smarter Way to Do Real Estate</a> appeared first on <a href="https://notequeen.com">Real Estate | Owner Seller Financing | Note Queen</a>.</p>
]]></description>
										<content:encoded><![CDATA[
<p class="wp-block-paragraph">I don&#8217;t ask banks for loans or permission to close on real estate transactions&#8230; and I&#8217;ve never had all cash. All purchases since 1998 have been financed by the seller, and once in a rare while, a private money partner.</p>



<p class="wp-block-paragraph">My last bank loan was when we bought our first house in 1998, and since then&nbsp;<strong>I&#8217;ve drawn a line in the sand&#8230;&nbsp;</strong>it&#8217;s just not on the table for consideration.</p>



<p class="wp-block-paragraph">And apparently I treat it like a badge of honor! <img src="https://s.w.org/images/core/emoji/17.0.2/72x72/1f913.png" alt="🤓" class="wp-smiley" style="height: 1em; max-height: 1em;" /> cuz I bring it up every chance I get when I want to make poignant the message that there&#8217;s a parallel universe of private solutions out there. </p>



<h4 class="wp-block-heading">You just need to&nbsp;<strong>learn how to tune in</strong>&nbsp;to the right dimensional frequency.</h4>



<p class="wp-block-paragraph">Banks make loans, sell those loans to Fannie Mae and Freddie Mac at a premium, and use the proceeds to make more loans&nbsp;<em>(work with me here for illustration purposes&#8230; I know that fractional reserve banking allows institutions to make loans out of thin air).</em></p>



<p class="wp-block-paragraph">That keeps the machine running around. Real estate buyers get to keep buying, sellers get to keep selling.</p>



<p class="wp-block-paragraph"><strong>In the private system when a seller &#8216;carries the paper&#8217; / &#8216;offers terms&#8217; to a buyer, often they don&#8217;t plan to sell the note.</strong></p>



<p class="wp-block-paragraph">Partly because they don&#8217;t even know they can until they start getting letters and postcards in the mail, but more importantly because:</p>



<ul class="wp-block-list">
<li>It helps them sell quickly and easily for the highest possible price</li>



<li>They can <strong>defer most of their capital gains</strong> with IRC 453, the Installment Sale</li>



<li>They get income for retirement that is usually <strong>nearly double </strong>what they were netting from rent</li>



<li>They leave a <strong>great inheritance</strong> for their children&#8230;juicy mailbox money</li>



<li>They can raise liquidity (<strong>CASH</strong>) if/when they need it by selling off payments of the note&#8230; their <em>&#8216;real estate annuity.&#8217;</em></li>
</ul>



<p class="wp-block-paragraph">Who will buy those payments?</p>



<p class="wp-block-paragraph">Why, <strong>a private Fannie, of course!</strong> (or if male, a private Freddie <img src="https://s.w.org/images/core/emoji/17.0.2/72x72/1f602.png" alt="😂" class="wp-smiley" style="height: 1em; max-height: 1em;" />). Someone who buys discounted seller carry notes&#8230; a &#8216;note investor.&#8217;</p>



<p class="wp-block-paragraph">That keeps the private money system churning around, providing an &#8216;out&#8217; for note holders (or their heirs) that want/need a lump sum more than a steady stream of income.</p>



<p class="wp-block-paragraph">When someone offers owner financing because they had to in order to get the property sold, they are likely to be good candidates for selling their note.</p>



<p class="wp-block-paragraph"><strong>If we can get to the transaction BEFORE the terms are inked, we can reverse engineer them to optimize the financial outcome for the seller.</strong></p>



<p class="wp-block-paragraph">Seller financing and &#8216;the note business&#8217;, when properly understood and implemented, create a full circle private paradigm that&nbsp;<strong>makes the</strong>&nbsp;<strong>wealth&nbsp;vampires in Washington &amp; Wall Street optional.</strong></p>



<h5 class="wp-block-heading">Join me for the next&nbsp;<strong>Property &amp; Paper LIVE!</strong></h5>



<p class="wp-block-paragraph">These are free &#8216;mastermind&#8217; zoom sessions hosted on the 1st &amp; 3rd Tuesdays of every month where we meet together so you can get your questions answered about seller financed real estate and note investing. Full replays are hosted in the&nbsp;<a rel="noreferrer noopener" href="https://email.go.notequeen.com/c/eJxsU0lvqzoU_jWwa4VtBrPwogmXjC1VUXvTbiJjG3AAG4zJ9Oufkl49vafb7adjn286bC852b3nW5_36KWBTx2dZ3K4cpcTQBFEkct1R6UilX5U2ophEkI9Mt39wff6pIQZa9nv7aUXpNWMWqm_ce4KAqIwCvwYh4ErOirbfSfGkVbitngNtv5hovzyG_Asm3FsP17_TN0_Y7TrqazUf7DbszBGUJQe8OPAYx4uOYpoWMLIFeoojVadUJb0RvOJ3ai4NeG4oAWMcQQZxGHJBUUF8BGgJSto4DNXEujB0AOeD7Dnw-ARwYjHgUAhjrgf4cjxvb8caEltbT866MmBqQPTVqrmsRurUXFzG3Bgeif-YA1ljVSVA9PIg7iEQAQFdlDKtLKU2RV3UCKaXvyua7hItlCaSx4HmXJbtv_WLpUVRtGWvMN05IuPZgfwJdnorE3Wpzfwxr_mq_Xn4ZolOD-g5WH7uVwopWfmvFxcM4lDB87y8WucbB2eFEPnbeLANIwcmB47f4LD-WnVZwpY5TXHN_FabXbDHL5kmAavfOlRbcG0mPuLWb7Z6QRF_YcD0w39JdaLcHvTvpbPhc2q4ipX9HiZdizLcwem8F3U8y_em1RYEZdAUiB_xfVhc6jVkC_nX9eP1yfjwNnL82zdrPJhh6bhwi7n8joOq3Lj4xfUFiFIKgclbqvvhfXX_efzYem1h-VpFa8_kRef3U7YWnNCe-lqIyupSDG1zcPdPrc3-ii5MKQVlDOtlGBWG9cQTk_K8b3_BzvqyTBBvsOT4_HhpE0jjGtv9d7_uN0Sprv9j5dkibD7f6t8JPCfAAAA__8OPiqB" target="_blank">Citizens of the Realm</a>&nbsp;community, and you can directly access the Event calendar. Free to join!</p>



<p class="wp-block-paragraph"></p>
<p>The post <a href="https://notequeen.com/blog/escape-the-wealth-vampires-in-real-estate/">Escape the ‘Wealth Vampires’: A Smarter Way to Do Real Estate</a> appeared first on <a href="https://notequeen.com">Real Estate | Owner Seller Financing | Note Queen</a>.</p>
]]></content:encoded>
					
		
		
			</item>
		<item>
		<title>Seller Financing Helps Close More Deals in an Uncertain Market</title>
		<link>https://notequeen.com/blog/seller-financing-superpower/</link>
		
		<dc:creator><![CDATA[Heather Manwaring]]></dc:creator>
		<pubDate>Thu, 26 Mar 2026 21:39:15 +0000</pubDate>
				<category><![CDATA[Seller Financing]]></category>
		<category><![CDATA[carrying paper]]></category>
		<category><![CDATA[owner financing]]></category>
		<category><![CDATA[The Note Business]]></category>
		<guid isPermaLink="false">https://notequeen.com/?p=14548</guid>

					<description><![CDATA[<p>Even agents who are excited to use seller financing strategies to help their clients can be blocked by their broker&#8230; can you relate? Why? Fear of the unknown and&#160;liability. What if you and your broker could be&#160;indemnified? Honestly, there SHOULD be potential liability for participating in something you won&#8217;t take the time to understand, especially [&#8230;]</p>
<p>The post <a href="https://notequeen.com/blog/seller-financing-superpower/">Seller Financing Helps Close More Deals in an Uncertain Market</a> appeared first on <a href="https://notequeen.com">Real Estate | Owner Seller Financing | Note Queen</a>.</p>
]]></description>
										<content:encoded><![CDATA[
<p class="wp-block-paragraph">Even agents who are excited to use seller financing strategies to help their clients can be blocked by their broker&#8230; can you relate?</p>



<p class="wp-block-paragraph">Why? Fear of the unknown and&nbsp;<strong>liability.</strong></p>



<p class="wp-block-paragraph">What if you and your broker could be&nbsp;<strong>indemnified?</strong></p>



<p class="wp-block-paragraph">Honestly, there SHOULD be potential liability for participating in something you won&#8217;t take the time to understand, especially if it harms clients to whom you owe a&nbsp;<strong>fiduciary responsibility.</strong></p>



<p class="wp-block-paragraph">Way back in the day, a guy who was desperate for cash brought me a note that I couldn&#8217;t buy for any amount, because it was non-performing and strategically uncollectible.</p>



<p class="wp-block-paragraph"><strong>He bemoaned&#8230;</strong></p>



<blockquote class="wp-block-quote is-layout-flow wp-block-quote-is-layout-flow">
<p class="wp-block-paragraph">&#8220;When my agent brought up the idea of seller financing, I asked him if there was anyone who could help us put this deal together properly, and he told me no.&#8221; ~&nbsp;<strong>that&#8217;s an agent that could get sued.</strong></p>
</blockquote>



<h3 class="wp-block-heading">Agents, there&#8217;s a reason you don&#8217;t advise your clients on legal matters. You would be operating outside the scope of your license and expertise.</h3>



<p class="wp-block-paragraph">You should understand enough to articulate the owner financing message, but then turn over interested clients to:</p>



<ul class="wp-block-list">
<li><strong>attorneys</strong> and</li>



<li><strong>seasoned note professionals</strong></li>
</ul>



<p class="wp-block-paragraph">for their unique contributions to seller financed transactions.</p>



<p class="wp-block-paragraph">And not just any attorney&#8230;</p>



<p class="wp-block-paragraph">Ones actually versed in the field who&nbsp;<strong>can do more than say &#8216;NO&#8217;</strong>&nbsp;to &#8216;CYA&#8217; because they can&#8217;t get sued for something they tell you not to do.</p>



<p class="wp-block-paragraph">And why a seasoned note professional?</p>



<p class="wp-block-paragraph">Banks only make loans they can sell for a guaranteed price up the food chain to Fannie and Freddie.</p>



<h4 class="wp-block-heading"><strong>Sellers need to be aware of the equivalent parallel process in the private sector</strong>&nbsp;so they go in with eyes wide open, knowing EXACTLY what their note would be worth if they should ever decide to sell it.</h4>



<p class="wp-block-paragraph">Or even more importantly&#8230; so they can&nbsp;<strong>reverse engineer</strong>&nbsp;the terms to&nbsp;<strong>optimize financial outcomes</strong>&nbsp;for themselves and their heirs.</p>



<p class="wp-block-paragraph">When you put the right team together, there are companies that will indemnify you and your broker against any liability for participating in a seller financed transaction.</p>



<p class="wp-block-paragraph">Most listing agents only have one trick up their sleeve:&nbsp;<strong>price reduction</strong>.</p>



<p class="wp-block-paragraph">Most buyer&#8217;s agents&nbsp;<strong>cannot work with capable buyers</strong>&nbsp;(usually self-employed) unless they can/will get qualified with a traditional lender.</p>



<p class="wp-block-paragraph">I get it, most people are wired for conformity.</p>



<p class="wp-block-paragraph">Stepping outside the box, coloring outside the lines&#8230; that threatens our primal need to belong.</p>



<h5 class="wp-block-heading"><strong>Without a tribe we die.</strong></h5>



<p class="wp-block-paragraph">But some of us welcome the calling to be an outlier, a scout&#8230; to foray out ahead into the unknown and bring back information critical to the survival of the group.</p>



<p class="wp-block-paragraph">In the times that are presently unfolding,&nbsp;<strong>appropriate use of seller financing strategies is no longer a luxury.</strong></p>



<p class="wp-block-paragraph">It will mean the difference between:</p>



<ul class="wp-block-list">
<li>agents surviving financially</li>



<li>sellers being able to sell quickly for at their price</li>



<li>strong buyers being able to buy</li>



<li>tired landlords having an easy and viable option for retirement</li>
</ul>



<p class="wp-block-paragraph">When we incorporate the private secondary market for notes into the mix, we complete the full circle required to<em>&nbsp;&#8216;create financial solutions, just one Mom &#8216;n&#8217; Pop to another.&#8217;</em></p>



<p class="wp-block-paragraph">This is a grass roots, power-to-the-people Aquarian movement.</p>



<h5 class="wp-block-heading"><strong>I am building a national database of agents&nbsp;</strong>that are ready to intelligently and strategically deploy owner financing&#8230;&nbsp;</h5>



<p class="wp-block-paragraph">I&#8217;m now drafting into my royal <strong>Navy (Seller Financing) Seals</strong> <img src="https://s.w.org/images/core/emoji/17.0.2/72x72/1f9ad.png" alt="🦭" class="wp-smiley" style="height: 1em; max-height: 1em;" /><img src="https://s.w.org/images/core/emoji/17.0.2/72x72/1f61c.png" alt="😜" class="wp-smiley" style="height: 1em; max-height: 1em;" /></p>



<p class="wp-block-paragraph">If you&#8217;re licensed and the calling stirs within, please&nbsp;<a rel="noreferrer noopener" href="https://email.go.notequeen.com/c/eJxsU12TojoQ_TXwNlOhExAe8jA6Azo6OrrjB_eFAhIgCgmSgI6__pbu1q27tft6uk_3qdOn80Qwetj-WBDW4uUJXpp0shLnG7MZdVIMeGQz1aRC0lI9S2X4uedcPueq-YUn6iJ5pyvRJua75bRWeWqE-okzm1NnNCIudh3k2rxJRZ00XOu05PfFrezLmOxLMl9WvQ6qc493v7oew_K0aVNRyv9hd5oX5C4wP0A48AofZ77j84LgzOZyEJ2SDZeGtp1ifX6XYlfUcdyRmwXc9UYFAoQxyd0iK5CDoCg8EtiCAgIPYfAcAi4iz36RZcwpfAdSAMQyi6A_HKhpZUyrLfxiQWhB-FvVgjAtuTTarvPkp34hDe9kWtMthJpFu9PB8bGzdSDeXA9ndJtH8dSCsFB6rrZZtPN362jfA-4tCDfkxxwbiPtpib8QL9DC_zqX3i7co7f-svroo3K6LxlafM_m5MjaSRrpxe3w-YHer9XktXaPyA8v583kNNsR3JqomvnjQ2TB-LpyC6037urTgvGNTertdLmP4mG-6N-IeXkN1l8xnx2VtGBswVjEOD-WS6bxsD7X-nIZViPIq9qZT6FfHIt_VqYbbzfLcfXJhvXh24Jw5LYWhLMwRt6bhV_tWj1iR97b-OM4RfVxepkF7zFGwdVuuKkUo2krbNWJUkia9fXp6WGg3XZqEIx3tOYpy5WUPDeqszta8dRUvLMI-v1CWvVdzumD_ST08HRR3Yl3trnnNPmrAENz1SR_fQlDuUn-y-RA4d8AAAD__2uZFqo" target="_blank"><strong>SIGN UP.</strong></a></p>



<p class="wp-block-paragraph">If you&#8217;re not an agent, but you want to profit from connecting me with other licensees, I have programs coming soon that will:</p>



<ul class="wp-block-list">
<li>provide ways to profit from consultations and retainers</li>



<li>earn a fee if I&#8217;m ever able to buy a note directly or indirectly from any connection you&#8217;ve been responsible for making</li>



<li>every agent, seller and buyer lead will be tagged with your name</li>
</ul>



<p class="wp-block-paragraph">Let&#8217;s do this. The world is changing, let&#8217;s overlay the blueprint we&#8217;d like to see emerge from the chaos.</p>



<p class="wp-block-paragraph">I appreciate each and every one of you.</p>
<p>The post <a href="https://notequeen.com/blog/seller-financing-superpower/">Seller Financing Helps Close More Deals in an Uncertain Market</a> appeared first on <a href="https://notequeen.com">Real Estate | Owner Seller Financing | Note Queen</a>.</p>
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		<item>
		<title>The Hidden Opportunities in Distressed Real Estate and Reversed Mortgages</title>
		<link>https://notequeen.com/blog/hidden-opportunities-in-distressed-re-and-reverse-mortgages/</link>
		
		<dc:creator><![CDATA[Heather Manwaring]]></dc:creator>
		<pubDate>Fri, 06 Mar 2026 23:04:18 +0000</pubDate>
				<category><![CDATA[The Note Business]]></category>
		<category><![CDATA[owner financing]]></category>
		<category><![CDATA[reverse mortgage]]></category>
		<category><![CDATA[Seller Financing]]></category>
		<category><![CDATA[selling a note]]></category>
		<guid isPermaLink="false">https://notequeen.com/?p=14532</guid>

					<description><![CDATA[<p>An interesting thing I have learned about reverse mortgages is that there is&#160;no statute of limitations&#160;affecting a lender&#8217;s ability to take back a property where the owner/mortgagor has died. While the asset preservation guys were knocking down the doors of my mother&#8217;s home within 4-6 weeks of her death, in other cases, they can wait [&#8230;]</p>
<p>The post <a href="https://notequeen.com/blog/hidden-opportunities-in-distressed-re-and-reverse-mortgages/">The Hidden Opportunities in Distressed Real Estate and Reversed Mortgages</a> appeared first on <a href="https://notequeen.com">Real Estate | Owner Seller Financing | Note Queen</a>.</p>
]]></description>
										<content:encoded><![CDATA[
<p class="wp-block-paragraph">An interesting thing I have learned about reverse mortgages is that there is&nbsp;<strong>no statute of limitations</strong>&nbsp;affecting a lender&#8217;s ability to take back a property where the owner/mortgagor has died.</p>



<p class="wp-block-paragraph">While the asset preservation guys were knocking down the doors of my mother&#8217;s home within 4-6 weeks of her death, in other cases, they can wait years&#8230; like in one case I describe:&nbsp;<strong>13 years and counting.</strong></p>



<p class="wp-block-paragraph">Sri initiated some very insightful dialogue about a portfolio of 21 reverse mortgages he and his investors bought together&#8230; and how a family member of one of them accidentally burnt the house down after his mother died!</p>



<p class="wp-block-paragraph">Luckily he knew this before he bought the note and priced it accordingly&#8230;&nbsp;50 cents on the dollar&nbsp;(50% of &#8216;as is&#8217; cash value of the collateral).</p>



<h4 class="wp-block-heading"><strong>I discussed headlines and thought leaders I follow:</strong></h4>



<ul class="wp-block-list">
<li>Adam Taggart&#8217;s <a href="https://email.go.notequeen.com/c/eJxsk0tzmzocxT8N7OLRywIWWiS0Js6jrh3bY2fDCElgAkhYiFc-_R2nnTv3Trv9SUc6Ojp_kZaSnQ5vL0S2-EeF7hseb8rrp_QlgxwjHPjSNLzUrDALbZy69krphTDNb56aUSvbXco2dXOrWG0Ed6X5xaWvGAwCFEIKIfBVw8s6bVTX8ULdLs7EPMH2Ra_PtLfyezbAfvt719dhgjctLwv9H3aT0YjzHNOAZyEk4RKGOSICSOwrPZTW6EZpx1prZC9uVvwLIzzHRGUh4iEJYaiEwmRJVAajCEAcRX7JEEAUYEAhXS4hWIAo4hHJiVgKkHNIPAL-SKBmF-fazsP3Hlp5aDWO42I2veszdVu_QQK45M3C8aLg1vm1SH89pdROWc1rdkCrTibH6gTDOdntc904Dz0sn_eNGnA-rA7wgkXweaohHZbTj93DtD4OHlpt4mTaclK9fkNBO3Fyfd7t72NgdLIlycZDD-5K3w_vW_dGkvitrSAMV-D4Nk-jaXI6o--7D6k2lPD6s1OPx_6qT3RthgoGQhaDfaa53EP6MuLzHCurZtiFAqPJBRzGNJZP8UCSuTk_SfmzWG2TKqa7Y6fn_fvPj80puNL8lD28xM69xms0TMvzp1jd99n5dPDwN782X70jT-359eMR1B-P4zp6OmMQTX6j3MVIxtvSN7YsSs2yvq7uvmLzW2uGUirLasWlMFor4Yz1Lbso7i7KegT8_4s601uh2Jf6ruyGu9HYSlnf3Yqa_tWAY8I06V9nwjHl0n9LOTD0TwAAAP__WogaIA" target="_blank" rel="noreferrer noopener">Thoughtful Money</a></li>



<li><a href="https://email.go.notequeen.com/c/eJxsU01zozgU_DVwS0pfCDjokDADcT7GY8d22blQQhI2ASQsBIb8-i17prZ2a-ba1S3169dP5JVk--37K5Ed_lGjh5Yny-r8JX3JIMcIh740La80O5p7bZw6D0rpe2Ha33huLlrZ_lR1uZs7xRojuKvML1z6isEwRBGkEAJftbxq8lb1PT-q68eFmCfYverFgQ5Wfi9GOKx-s26PCd52vDrq_2BXGY05LzENeRFBEgUwKhERQGJf6bGyRrdKO9ZZIwdxteKfWAGUQAGkBQES8YgWMS4wErGSMaFxAP2KIYAowIBCGgQQ3IM45jEpiQgEKDkkHgF_JNCwk3Nd7-EHD6UeSlvcqsbI-b4fit5xUV9ZHkr9RuS_Jqi0U1bzhm1R2stsV-9hNGfrTalb56HH4GXTqhGXY7qFJyzCr30D6RhMP9aP02I3eihdJtm04qR--4bCbuLk_LLePCTA6GxFsqWHHt2Zfmw_Vu6dZMl7V0MYpWD3Pk8X05Z0Rt_Xn1ItKeHNV6-edsNZ7-nCjDUMhTyO9oWWcgPp6wUf5kRZNcM-EhhNLuQwoYl8TkaSze3hWcqfx3SV1Qld73o9bz5-fi734ZmW--LxNXHuLVmgcQoOXyJ9GIrDfuvhb35jbnUjz93h7fMJNJ9Pl0X8fMAgnvxWuZORjHeVb2x1rDQrhqa-u8Xmd9aMlVSWNYpLYbRWwhnrW3ZS3J2U9Qj4_2Z6M1ih2E19V_Xj3cXYWlnfXfuZ_9WAY8K0-V9PwTHl8n-7ODL0TwAAAP__wW4XJQ" target="_blank" rel="noreferrer noopener">Melody Wright</a> </li>



<li>The <a href="https://email.go.notequeen.com/c/eJxsU11vozoU_DXw1so2xpAHP7TsQtOmm82nkr4gY5uEADYx5iu__irZ1dW92n0dzZwzmjOHp4Wgh91mgUXj_SjRS82iZXG9CVdQyDzkBa7QNSsUPelnpa28dlKqZ67r33iqByVNey6a1E6NpJXmzBb6Fy5cSWEQoBASCIEra1ZUaS3blp3kfXHGpxE2CzU_ks6I71kPu9Vv1mMYZ3XDipP6D3aXkRljuUcCloUQhz4Mc4Q5EJ4rVV8YrWqpLG2MFh2_W3HPNMCIMYCACHGI8yz0cgYIFHkoReZzAd2CIoAI8ACBxPcheAazGZvhHHOfg5xB7GDwRwIVPVvbtI734qDYQfEwDM-sskY22tj2TnFQ7FY8_WW_UFYaxSq6Q3Erkn15gOGUrLe5qq2DXv2PbS17L-_jHTx7PLgdKkh6f_yxfh3n-95B8TJKxhXD5ec3FDQjw9eP9fYlAlolK5wsHfRqr-Rr97WyG5xEm6aEMIzBfjONg65zMqHv64uQS4JZdWvl2767qgOZ676EARen3nyQXGwhWQzecYqkkRNsQ-6h0QYMRiQS71GPk6k-vgvx8xSvkjIi632rpu3Xz8vyEFxJfsheF5G1n9Ec9aN_vPH4pcuOh53jfXMr_egafm-On5c3UF3ehvns_eiB2ejW0p61oKwpXG2KU6Fo1lXl0yM2tzG6L4Q0tJJMcK2U5FYb19CzZPYsjYPB_8_S6s5wSR_qp6LtnwZtSmlcey9n-lcDlnJdp3_9A0ulTf8tYk_RPwEAAP__BG4W2Q" target="_blank" rel="noreferrer noopener">Alt Report</a></li>
</ul>



<p class="wp-block-paragraph">As much as I love hard assets like real estate,<strong>&nbsp;if you think you&#8217;re going to NEED to sell any time in the next year or two</strong>&nbsp;<strong>I&#8217;d get ON IT</strong>&nbsp;and not waste time listing high and risk getting stale&#8230; unless you happen to live in one of those areas that&#8217;s still got multiple offers within 48 hours, then of course disregard!</p>



<p class="wp-block-paragraph">If you&#8217;ve been waiting, hanging by your eyelashes for rates to drop, or some other metric, it might be time to have a&nbsp;<strong>come to Jesus</strong>&nbsp;talk with yourself&#8230; if you aren&#8217;t already communing on a daily basis.</p>



<p class="wp-block-paragraph">For most sellers and their Realtors, the only tool at their disposal is a price reduction&#8230; sometimes multiple price reductions.</p>



<h3 class="wp-block-heading"><strong>There are other options&#8230; TERMS.</strong></h3>



<p class="wp-block-paragraph">Especially if you have high equity, 75%+. Offering seller financing for even 3-5 years can put a LOT more money in your pocket over time.</p>



<p class="wp-block-paragraph">My guess is once you get used to the income and the tax savings, you&#8217;ll&nbsp;<strong>fall in love with being the bank</strong>&nbsp;and collecting those nice, hassle-free mortgage payments like a nice real estate annuity.</p>



<p class="wp-block-paragraph">If you have a low mortgage rate, and you&#8217;re willing to leave it in place for 3 years, it could make very good sense to consider letting a buyer take it &#8216;subject to&#8217;.</p>



<p class="wp-block-paragraph">But you need to follow a very specific processes and&nbsp;<strong>know EXACTLY</strong>&nbsp;what the potential risks could be and how to mitigate them.</p>



<p class="wp-block-paragraph">If you (or a friend or client) have a higher-end home for sale with a low mortgage rate, and you&#8217;d be willing to consider leaving your mortgage in place for a short time in lieu of a hefty price reduction&#8230;</p>



<h4 class="wp-block-heading"><strong>Reach out to me, I&#8217;ve got some solutions for you.</strong></h4>



<p class="wp-block-paragraph">It&#8217;s getting wild&nbsp;<em>&#8216;out there&#8217;</em>&nbsp;and sometimes it&#8217;s hard to cut through the noise.</p>



<p class="wp-block-paragraph">There are many options you&nbsp;<strong>COULD</strong>&nbsp;choose, but what option&nbsp;<strong>SHOULD</strong>&nbsp;you choose based upon your unique set of circumstances?</p>



<p class="wp-block-paragraph">I&#8217;ve been in this space for decades, and have managed a portfolio of notes for 18 years and counting. I&#8217;ve learned a thing or two.</p>



<p class="wp-block-paragraph">Give yourself (or someone you love) the gift of confidence and peace of mind&#8230;</p>



<p class="wp-block-paragraph"><strong>Schedule your Deep Dive right now:</strong></p>



<p class="wp-block-paragraph"><a href="https://the.notequeen.com/divedeepandprosper">https://the.notequeen.com/divedeepandprosper</a></p>



<h5 class="wp-block-heading">An hour with me will&nbsp;<strong>make or save you thousands</strong>, and likely unearth possibilities you never knew existed.</h5>



<p class="wp-block-paragraph">And to make it an absolute no brainer, I&#8217;ve got a discount code for<strong>&nbsp;up to 10 people</strong>&nbsp;to work with me at half my usual rate:&nbsp;</p>



<p class="wp-block-paragraph"><strong>Discount Code: DD50</strong></p>



<p class="wp-block-paragraph">Once they&#8217;re gone, they&#8217;re gone.</p>



<p class="wp-block-paragraph"><strong>Let&#8217;s meet 1:1</strong>&nbsp;on zoom and get you positioned in the most powerful way possible for whatever this year has in store for us!!</p>



<p class="wp-block-paragraph">To grab the first half of this week&#8217;s Property &amp; Paper Live, check out&nbsp;<strong>&#8220;Forward Thinking About Reverse Mortgages&#8221;</strong>&nbsp;on&nbsp;<a rel="noreferrer noopener" href="https://email.go.notequeen.com/c/eJxsk09vozoUxT8N7Fr5HyYsvEiZgaZ_JpM0iUI3yNgmoYBNjCHQT__UzOjpPc1sj3x8j879XZFXkh33by9EdvhHjZYtj9fV5VP6kkGOEQ59aVpeaXYy99o4dRmU0vfCtL_13Fy1sv256nI3d4o1RnBXmV-69BWDYYgWkEIIfNXyqslb1ff8pL4GF2KeYPeiVxkdrPxejHDY_H51-0zwtuPVSf9H-7LRiPMS05AXC0gWAVyUiAggsa_0WFmjW6Ud66yRg_iK4p9ZJANVcogA4UVUIiyjEAKKFlGAEcUF9SuGAKIAAwppEEBwD6KIR6QkIhCg5JB4BPzRQMPOznW9h5ceSjyUzGZww32hPJRcMmqzx0OEk6XfiPxX_ko7ZTVv2B4lvUwP9REu5nS7K3XrPPQQPO9aNeJyTPbwjEX4eWwgHYPpx_ZhWh1GDyXrOJ02nNSv31DYTZxcnre7ZQyMTjckXXvowV3o-_59495IGr91NYSLBBze5ulq2pLO6Pv2Q6o1Jbz57NXjYbjoI12ZsYahkKfRPtNS7iB9ueJsjpVVM-wXAqPJhRzGNJZP8UjSuc2epPx5SjZpHdPtodfz7v3nx_oYXmh5LB5eYude4xUapyD7FMlyKLLj3sPf_MbcYCNPXfb68Qiaj8frKnrKMIgmv1XubCTjXeUbW50qzYqhqe9utfmdNWMllWWN4lIYrZVwxvqWnRV3Z2U9Av6_l94MVih2c99V_Xh3NbZW1ndfdOZ_DeCYMG3-10NwTLn8XxJHhv4JAAD__zROFT0" target="_blank">YouTube</a>&nbsp;or&nbsp;<a rel="noreferrer noopener" href="https://email.go.notequeen.com/c/eJxsk09zmzoUxT8N7OJBQghYaJHQ4jh_6tqxPXY2Hlm6GAWQsBAY8unfOO28eW_a7W90pKNzzxVHJdl--_ZCZBv-qPB9w7OlunxKXzLEQxzGvjQNV5qdzUwbB5ceQM-EaX7zo7lqsF2p2qObWmC1Edwp84tLHxiKY5wgilDgQ8NVfWyg6_gZbg-fxDSi9kUvDrS38vtpQP3q96mvywRvWq7O-j_sJqMp50VIY35KEEkilBSYiECGPuhBWaMb0I611she3Kz4JUNxIKFIkxORFIDwNAxpnFJIkjRCN2uK4QDTIAwoolGEglmQpjwlBRGRCAqOiEeCPxKoWelc23nhvYdzD-ddyS3MnOW6U50zdlY0N-rhPI1wkQDEfi2Ov_6itAOrec22OO_kfFftUTLN15tCN87DD9HzpoEhLIZ8i8pQxJ_7GtEhGn-sH8bFbvBwvszm44qT6vUbjtuRk8vzenOfBUbPV2S-9PCDu9D37fvKvZF59tZWCCV5sHubxqtpCjrh7-sPCUtKeP3ZweOuv-g9XZihQrGQ58E-00JuEH25hocpAwsT6hIR4tHFHGU0k0_ZQOZTc3iS8uc5X82rjK53nZ427z8_lvv4Qov96eElc-41W-BhjA6fIr_vT4f91gu_-bX5Kh55ag-vH49B_fF4XaRPhzBIR78BVxrJeKt8Y9VZaXbq6-ruKza_tWZQEiyrgUthtAbhjPUtK4G7EqxHgv_PqDO9FcC-1HeqG-6uxlZgfXdr6vGvBhwTpjn-dSkcA3f8t5UDw_8EAAD__-PSGaM" target="_blank">Podcast.</a></p>



<p class="wp-block-paragraph">To access the&nbsp;<strong>full</strong>&nbsp;replay, join the&nbsp;<a rel="noreferrer noopener" href="https://email.go.notequeen.com/c/eJxsU0-T4ioc_DTJbab4FxIPHGayG8f5s66OWjoXC4EoGiASEhM__SvdrVdv6-3tV003NE0jtlqy9fLzncga_zihJ8PzqT5fZSwZ5BjhNJbOcG3Z3j1aF9S5Vco-Cmd-41t3sco3B11vw1ArVjnBg3a_cBkrBtMUZZBCCGJluK62RjUN36vbwTsx9LB-t5MNbb38vutgO_vNum8muKm53tv_YDcZHXFeYpryXQZJlsCsREQAiWNlO-2dNcoGVnsnW3GzEh8YRzzBJRd4hHcI7FKIuVQlz1I1IiChWawZAogCDCikSQLBIxiN-IiURCQClBySiID_JVCxQwh1E-GnCBURKszwJyFChXDGtFYHrZoIFXvv2vo2CB30VdnbWHvd8aAe7mtxJba_7qptUN7yii1R0cjx6rSG2TCeL0prQoSek7eFUR0uu2IJD1ik13UFaZf0P-bP_WTVRaiY5uN-xsnp4xtK656T89t88ZQDZ8czMp5G6Dmc6dfyaxY-yTj_rE8QZgVYfQ79xZmSDuj7_CjVlBJeXRv1smrPdk0nrjvBVMh9599oKReQvl_wZsiVVwNsMoFRH1IOc5rL17wj48FsXqX8uS9m41NO56vGDouvn8fpOj3Tcr17fs9D-MgnqOuTzVUUT-1us15G-FtcuXsxyWu9-Ti-gOr4cpmMXjcYjPrYqHBwkvFax87rvbZs11anh3tsce1dp6XyrFJcCmetEsH52LOD4uGgfETAn2_YuNYLxe7qB910DxfnT8rH4dbk7V8NBCac2f710wSmwvbf1nYM_RMAAP__tbAnkw" target="_blank">Citizens of the Realm</a>&nbsp;community and click on the&nbsp;<strong>&#8220;Learning&#8221;</strong>&nbsp;tab.</p>



<p class="wp-block-paragraph"></p>
<p>The post <a href="https://notequeen.com/blog/hidden-opportunities-in-distressed-re-and-reverse-mortgages/">The Hidden Opportunities in Distressed Real Estate and Reversed Mortgages</a> appeared first on <a href="https://notequeen.com">Real Estate | Owner Seller Financing | Note Queen</a>.</p>
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