How Jay Davis Bought 3 Duplexes with Owner Financing

How Jay Davis Bought 3 Duplexes with Owner Financing

Author: Dawn Rickabaugh | Expert Advice for building wealth through Owner Financing & Note Investing May 22, 2026 Duration: 24:20

In this episode, Dawn Rickabaugh interviews veteran real estate investor Jay Davis about his decades of experience using seller financing to acquire and reposition investment properties. Jay shares how creative financing helped him buy commercial buildings with little to no money down, and explains a recent deal where he acquired three duplexes through seller financing by building trust with the seller and honoring her family legacy. The conversation highlights how owner financing can create win-win solutions for buyers, sellers, and agents alike—especially in today’s challenging market. Dawn and Jay also discuss relationship-based investing, revitalizing properties, tax advantages, and how seller financing can preserve long-term income for retiring landlords.


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…