Who Are You and Why Does it Matter? Pad Splitting, Agents Carrying a Note for Their Commission

Who Are You and Why Does it Matter? Pad Splitting, Agents Carrying a Note for Their Commission

Author: Dawn Rickabaugh | Expert Advice for building wealth through Owner Financing & Note Investing October 31, 2025 Duration: 47:19

Dawn Rickabaugh, host of Property and Paper Live and creator of NoteQueen.com, delivers an insightful lecture on real estate investing, financing, and note buying strategies. Emphasizing the importance of understanding one's core identity beyond professional roles, she encourages participants to distill their essence into clear, meaningful statements to deepen their purpose and motivation. Dawn shares a personal story about managing a special property with a unique energetic footprint and the importance of stewarding sacred spaces in real estate transactions. She highlights current market dynamics including owner financing, master leasing, and creative solutions for "accidental landlords" amid changing rental markets. The discussion includes practical advice on working with real estate agents through creative financing, structuring commissions over time, and addressing challenges in the rental and note markets. Dawn also warns about IRA precious metals scams and stresses the need for vigilance in financial dealings. The session concludes with an invitation to join her coaching program and the importance of community interaction in learning and applying real estate strategies to create financial solutions for individuals and families.

### Highlights - Dawn emphasizes defining "who you are" beyond what you do to align with your true purpose. - Personal storytelling highlights the emotional and energetic significance of real estate beyond mere transactions. - Owner financing and master leasing are showcased as essential tools in today's complex real estate market. - Creative commission structures can help agents sell difficult listings and secure deals. - The lecture warns about prevalent IRA precious metals scams targeting seniors and self-directed accounts. - Market conditions show an increase in accidental landlords, creating opportunities for creative financing solutions. - Dawn promotes her coaching program as a way to gain practical skills and community support for real estate investing success.

### Key Insights - **Identity and Purpose Drive Success:** Dawn's exercise of distilling her essence into a few sentences reveals that clarity about one's core identity fuels passion and resilience in real estate investing. This self-awareness translates into more authentic and effective decision-making. - **Real Estate as a Sacred Space:** Viewing properties as energetic and emotional spaces rather than just assets creates a deeper connection with clients and the community, enhancing stewardship and long-term value. - **Creative Financing as a Competitive Edge:** Tools like owner financing, master leasing, and flexible commission payments give investors and agents tactical advantages in tight markets and with sellers who have high price expectations. - **Navigating Market Challenges:** The rise of accidental landlords and renters' changing needs require innovative solutions that balance cash flow, tenant management, and property maintenance. Recognizing this can lead to sustainable investment strategies. - **Risk Awareness in Financial Deals:** The mention of IRA precious metal scams underscores the critical importance of due diligence and consumer education to protect investments, especially among vulnerable populations. - **Community and Collaboration Enhance Learning:** Dawn stresses the value of live interaction and shared experiences in coaching environments to address real-world problems and accelerate learning. - **Long-Term Vision and Integrity:** Encouraging investors to operate with integrity and purpose supports building lasting wealth and positive impact, rather than short-term quick profits.


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…