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

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

Author: Dawn Rickabaugh | Expert Advice for building wealth through Owner Financing & Note Investing October 8, 2025 Duration: 51:08

This was a fun chat with someone I met through another coaching group for entrprenuers. Erin and I can appreciate each others' sense of humor... and being able to laugh is high value! We got caught here in the beginning laughing over Charmander... anyone have kids that used to play Pokemon??

We discuss the challenges and opportunities surrounding homeownership in today's market, specifically focusing on owner financing as a powerful, yet often overlooked strategy. The conversation addresses the difficulties faced by younger generations in buying homes due to soaring prices and high-interest rates, and how traditional bank financing may no longer be the only or best option. Instead, owner financing—where the seller acts as the lender—can unlock trillions in home equity held mostly by baby boomers, creating a win-win scenario for both sellers and buyers.

We cover how government policies and monetary interventions during and after COVID-19 have distorted housing markets, driving up prices and making homeownership inaccessible for many. They emphasize that many boomers own homes free and clear, holding substantial equity that can be leveraged through owner financing to provide flexible, lower-interest loans to younger buyers. This method bypasses traditional bank loans, reduces transaction costs, and can offer better terms for both parties.

The discussion also dives into practical advice on how to approach owner financing deals, including how buyers can find sellers willing to finance, the importance of having at least a 10% down payment, and how owner financing documents work similarly to bank loans but without the middleman. The conversation highlights the tax advantages and income stability for sellers who carry the loan, and the benefit to buyers who can secure better interest rates and terms. The value of fostering personal relationships and trust between parties is stressed, along with the need for proper legal guidance.

They also touch on common misconceptions about owner financing, the risks of poorly structured notes, and the secondary market for selling these loans. The interview concludes with encouragement for people to explore owner financing as a strategic alternative to conventional home buying, especially amid current market volatility and economic uncertainty, offering hope and actionable insights for those feeling priced out or stuck.


Dawn Rickabaugh has spent years mastering the nuanced world of real estate finance, and in her Owner Financing & Note Investing Podcast, she pulls back the curtain on strategies that often fly under the radar. This isn't about chasing the next hot market; it's about understanding the powerful intersection of creative financing and asset acquisition. Each episode feels like a direct conversation with an expert who genuinely wants to demystify the process, breaking down how seller financing works and how you can build a resilient portfolio by investing in the mortgage notes themselves. You'll hear practical insights on evaluating deals, managing risk, and structuring agreements that benefit both buyers and investors. The dialogue here moves beyond generic advice to explore the real "dance between property and paper," offering a clear path toward building tangible wealth without relying on traditional banks. Whether you're an experienced investor looking to diversify or someone curious about alternative avenues in real estate, this podcast provides a steady stream of actionable knowledge. Dawn’s approach makes complex topics accessible, turning the often-intimidating mechanics of notes and owner carry-backs into understandable steps you can apply. Tune in to discover how these methods can create cash flow, expand your control over assets, and fundamentally change your approach to building financial independence through real estate.
Author: Language: English Episodes: 50

Owner Financing & Note Investing Podcast with Dawn Rickabaugh
Podcast Episodes
What Makes a Seller-Financed Note Valuable? [not-audio_url] [/not-audio_url]

Duration: 24:40
In this episode of Property & Paper Live, Dawn Rickabaugh explains why seller financing and note investing are really two sides of the same coin. Using a real-world note as a case study, she walks through how to evaluate…
Price or Terms: A Smarter Exit for Tired Landlords [not-audio_url] [/not-audio_url]

Duration: 33:32
In this episode of Landlord Liberation Method, Dawn Rickabaugh explores how seller financing can help longtime landlords turn property equity into steady retirement income while potentially spreading out their tax burden…
Beyond Face Value: Understanding What a Note Is Worth [not-audio_url] [/not-audio_url]

Duration: 18:16
In this episode of Property & Paper Live, Dawn explores how understanding both real estate and the secondary note market can uncover opportunities most agents and investors overlook. Using a real seller-financed note as…
The Tax-Smart Way to Exit Your Rental Properties [not-audio_url] [/not-audio_url]

Duration: 21:36
This episode of Property and Paper Live explores what Dawn calls the Landlord Liberation Method—using seller financing and installment sales to help longtime landlords turn rental property equity into ongoing income whil…
Did You Know Can You Turn Your Commissions Into Notes? [not-audio_url] [/not-audio_url]

Duration: 27:47
The meeting focused on real estate investing, with an emphasis on notes, seller financing, and creative deal structures. David shared his background in real estate and notes, and participants like Ben, MaryAnn, Jay, and…
How to Profit from a 0% Owner-Financed Note (Real Deal Breakdown) [not-audio_url] [/not-audio_url]

Duration: 20:52
In this episode of Property & Paper Live, Dawn Rickabaugh walks through a real-life partial note purchase involving a unique church property financed at 0% interest. Using actual numbers, she demonstrates how investors c…
Your CPA Knows About It So Why Aren't They Talking About It? [not-audio_url] [/not-audio_url]

Duration: 30:32
In this episode of Property & Paper Live, Dawn Rickabaugh discusses why many landlords feel trapped in their rental properties—not because of the real estate itself, but because of the tax consequences of selling. She ex…
Street Talk with Tim Street and Dawn Rickabaugh [not-audio_url] [/not-audio_url]

Duration: 36:54
Dawn Rickabaugh welcomes Tim Street of Foolproof FSBO for a wide-ranging conversation about real estate, entrepreneurship, financial uncertainty, and personal freedom. Tim shares exciting news about purchasing a luxury p…