On this episode of the Real Estate Notes Show, hosts Dave Putz (JKP Holdings) and Nathan Turner (Earnest Investing) sit down with Vaughn Bethell, who moved from wholesaling to building compliant, cash-flowing seller-financed notes—while helping families become homeowners. He breaks down exactly how he finds properties, underwrites borrowers, and structures notes that hold value (and stand up in court).

✨ Key Takeaways

• 🧭 Vaughn’s “Pathway to Homeownership” playbook: find → underwrite → service → chase the refi

• 📊 Deal box: ≥ $50k equity spread, 2% rate spread over cost of capital, $500+/mo cash flow

• 💸 Typical terms: 10–12% interest, 30-year amortization, 15–20% down, P&I near market rent

• ⚖️ Compliance that protects note value: ATR/RMLO, third-party servicing, escrow for T&I

• 🚫 Common killers: interest-only to owner-occ, short balloons, DIY servicing, sloppy files

• 🌎 Demand engine: community-driven marketing (Facebook groups), trust-first outreach to Latino buyers

Sponsored by Call The Underwriter. Visit calltheunderwriter.com/jkp to download your free Seller-Finance Deal Toolkit. To obtain this week's Real Estate Notes Show guest Vaughn Bethell's information, use this link https://bit.ly/3VUSgSe

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DME (Diversfied Mortgage Expo) Note Conference Video Recordings - ⁠Purchase

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[00:00:00] Show Intro and Guest Update
[00:07:13] Meet Vaughn and His Mission
[00:11:08] Biggest Mistakes Starting Out
[00:14:13] Shifting Into Seller Finance
[00:18:11] Finding Properties With Marketing
[00:22:09] Setting Borrower Rates Explained
[00:26:18] Key Numbers Driving Every Deal
[00:30:19] Down Payments and Buyer Skin
[00:33:31] Facebook Groups for Borrowers
[00:36:16] Compliance and Note Underwriting
[00:39:52] Why Third-Party Servicing Matters
[00:41:14] First Foreclosure Case Study
[00:43:17] Should Investors Do Seller Finance?
[00:45:27] Selling Notes and Partials Strategy
[00:47:48] Structuring 30-Year Mortgage Notes
[00:49:46] Future of Note Investing Market
[00:50:36] Closing Thoughts and After Hours

Tax Advantages: Real Estate vs Notes

CPA and investor Matthew breaks down the smartest strategies in today’s evolving note market. From high-yield interest rate arbitrage to legally-structured wrap notes, Matthew shares insider methods to defer taxes, avoid legal disaster, and multiply your cash flow with compounding reinvestments. He also highlights major risks with non-disclosure, judicial states, and usury law violations — while pointing to opportunities in crypto, AI, and alternative assets. Whether you’re a note broker, note investor, or just entering seller financing, this is a masterclass you can’t afford to miss.

To obtain this week's Real Estate Notes Show guest Mathew Owens's information, use this link https://bit.ly/4oRl7Er

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DME (Diversfied Mortgage Expo) Note Conference Video Recordings - ⁠Purchase

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#noteinvesting #mortgagenotes #investor #mortgagenote #realestate #realestateinvestor

[00:00:00] Show Intro and Guest Update

[00:04:12] Youth Entrepreneurship and Business Camp

[00:07:23] Note Market Shift and Supply Surge

[00:10:04] Why Experienced Investors Turn to Notes

[00:13:06] Interest Rate Arbitrage Demystified

[00:16:30] Using Notes to Defer Taxes

[00:19:42] Smart Depreciation and Cost Segregation

[00:23:33] The Augusta Rule and Tax Tricks

[00:27:15] When to Sell vs. Create a Note

[00:30:02] Risks in Seller Financing Structures

[00:33:45] Real Estate vs. Notes: Headaches Compared

[00:37:18] Wrap Notes and Regulatory Crackdowns

[00:40:57] Hidden Dangers in Non-Disclosure

[00:44:01] Why Legal Paperwork Can Save You

[00:47:03] Reinvesting Note Payments for Compounding

[00:49:15] AI, Job Loss, and Real Estate Impact

[00:51:31] Crypto, CBDCs, and Market Disruption

[00:54:31] Episode Wrap-Up and Takeaways

In this episode of *The Real Estate Note Show*, Dave and Nathan welcome investor David Meyerowitz to explore a powerful yet often overlooked niche: **structured settlements and lottery prize payments**.

David shares how he transitioned from mortgage investing to purchasing guaranteed payment streams backed by top-tier insurance companies.

**What you’ll learn:**

- How structured settlements work and where they come from.

- The court-approval process that makes these investments highly secure.

- Types of payment streams David buys: lottery winnings, legal fee payouts, life-contingent annuities, and more.

- How investors can buy at a discount for steady, predictable returns.

- Why this niche offers fixed-income style security without the headaches of property management.

If you’re looking to diversify your portfolio with safe, hands-off investments that still deliver strong returns, this episode will open your eyes to an alternative cash flow goldmine.

To obtain this week's Real Estate Notes Show guest David Meyerowitz's information, use this link https://bit.ly/4l3Gyil

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Upcoming Live Webinars: https://www.jkpholdings.com/webinars

DME (Diversfied Mortgage Expo) Note Conference Video Recordings - ⁠Purchase

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Linkedin: https://www.linkedin.com/company/jkp-holdings-llc

#noteinvesting #mortgagenotes #investor #mortgagenote #realestate #realestateinvestor

[00:00:00] Show Intro and Guest Update[00:01:07] Breaking Rules Buying in Chicago[00:02:03] Recent Influx of Note Assets[00:03:02] Unpredictable Note Performance Stories[00:04:13] Structuring Notes for Maximum Value[00:05:28] Importance of Compliance and Dodd-Frank[00:06:10] Hidden Property Issues on Street View[00:06:29] Shifting to Structured Note Investing[00:07:29] Guest David’s Background Story[00:08:54] Birth of the Lottery Payment Market[00:10:16] Rise of Structured Settlement Annuities[00:12:23] Court Approval Process Explained[00:14:19] Evolution of Lottery Winnings Payouts[00:16:11] Buying Lifetime and Contingent Payments[00:17:27] Why Sports Contracts Are Risky[00:18:09] Interest Rates in Structured Settlements[00:19:32] Security and Risk in Payments[00:20:59] Competition and Pricing Challenges[00:22:42] Investing with Retirement Accounts[00:24:09] How Payments Are Serviced[00:25:19] Reselling Payments Without Court Approval[00:26:24] Rare Disputes and Resolutions[00:27:14] Buying Direct vs. Through Funds[00:28:07] No Reserves Needed for These Deals[00:29:20] Typical Returns Over Time[00:30:17] How Deals Are Sourced[00:31:32] Navigating Broker Relationships[00:31:52] Annual Deal Volume[00:32:34] Ways to Work with David’s Company[00:33:27] Assignment of Payments Process[00:34:03] Minimum Investment Amounts[00:35:31] Matching Investor Payment Preferences[00:36:54] Why This is Great Fixed Income[00:38:24] Smallest and Largest Deals Ever[00:39:19] Secondary Market Advantage over Annuities[00:40:01] Market Fluctuations and Equity Plays[00:40:34] Buying Nationwide, Including Territories[00:41:32] Final Thoughts and Contact Info[00:44:00] Lazy Investing with Guaranteed Payments[00:44:32] Thank You and Closing Remarks

Ryan Hughes joins the team on the next episode to share how you can purchase Notes by borrowing investment capital—even if you’re starting with less. Ryan will cover the do’s and don’ts, how to succeed with limited funds, and introduce a service that provides the capital you need to launch your note business!

To obtain this week's Real Estate Notes Show guest Ryan Hughes's information, use this link https://bit.ly/4le9Ag2

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DME (Diversfied Mortgage Expo) Note Conference Video Recordings - ⁠Purchase

SOCIAL MEDIA

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Linkedin: https://www.linkedin.com/company/jkp-holdings-llc

#noteinvesting #mortgagenotes #investor #mortgagenote #realestate #realestateinvestor

[00:00:00] Show Intro and Guest Update[00:01:15] Dave’s Summer Plans & Events[00:02:20] What This Show Is All About[00:03:00] Understanding Seller Finance Compliance[00:04:30] The 70/20/10 Note Structure Explained[00:05:50] Why Notes Beat Being a Landlord[00:06:50] The Struggle to Fund Note Deals[00:07:50] Meet Ryan: Lending Expert Joins In[00:09:00] Why Banks Avoid Seller Finance Notes[00:10:30] Ryan’s Background in Institutional Lending[00:12:00] Why Borrowing for Notes Is Hard[00:13:40] What Makes a Note Unattractive to Lenders[00:15:00] Key Documents in a Collateral Package[00:17:30] Can the Note Survive Foreclosure?[00:19:00] Lending Based on Note Collateral[00:20:30] How Much Can You Borrow on Notes?[00:22:30] The Importance of Proper Assignments[00:24:00] Banks’ Appetite Varies Widely[00:26:00] Factors Banks Care About Most[00:27:30] Performing vs. Non-Performing Notes Impact[00:29:00] Servicing Fees and Responsibilities[00:31:00] State Licensing and Location Considerations[00:34:00] Why You Must Use Real Note Attorneys[00:36:00] Reserve Requirements and Risk Mitigation[00:37:30] Lending in All States, With Caution[00:40:00] Funding Hard Money Loans With Notes[00:42:00] Market Predictions and Economic Trends[00:44:30] Wrap Notes: Proceed With Caution[00:45:07] Final Thoughts and Show Wrap-Up

Hard-money veteran Scott Brown joins Dave Putz and Nathan Turner to unpack the fast-moving world of short-term (6- to 18-month) real-estate notes—the bridge financing that keeps flippers and small developers moving while giving note buyers equity-like returns with note-level security.

• Why short-term?

• Deal filter in three bullets:

  1. Fixed‐cost rehabs only (no ground-up builds).

  2. Max 70 % ARV, verified by local broker price opinions, not borrower wish-lists.

  3. Exit must exist—listings, refi term sheets, or seasoned rental comps in hand.

• Risk killers Scott won’t skip

• Pricing today (June 2025)

• Secondary-market sweet spot

• Two red flags

• Action step: download Scott’s one-page Draw Inspection Checklist

  
  

To obtain more information or ask additional questions about this week's Real Estate Notes Show, use this link https://bit.ly/45ihqAq

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Our new Website Updated Tools, Resources, Bid Calculator, Education and over 100 assets for sale: ⁠https://www.jkpholdings.com/note-investor-education⁠

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DME (Diversfied Mortgage Expo) Note Conference Video Recordings - ⁠Purchase

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Facebook: https://www.facebook.com/JKPHoldings/

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#RealEstateNotesShow

[00:00:00] Show Intro and Guest Update
[00:02:00] Climbing Mountains and Family Life
[00:03:50] State of the Note Industry
[00:06:10] Shifts from Bank Notes to Seller Financing
[00:08:40] Why Non-Performing Notes Changed
[00:11:20] What’s Driving Private Lending Now
[00:14:00] Meet Scott Brown: Real Estate Journey
[00:17:00] Why Banks Don’t Lend Under $50K
[00:20:30] The Rise of Hard Money Loans
[00:23:00] Who Are the Borrowers Today?
[00:26:00] How to Evaluate Deals Fast
[00:28:20] Understanding Profit Participation
[00:31:00] Key Legal and Licensing Pitfalls
[00:34:40] How to Raise Private Capital Safely
[00:38:20] The 15% Note Strategy Explained
[00:42:10] Handling Rehab Draws and Oversight
[00:46:30] Risks and Due Diligence Must-Knows
[00:50:10] Underwriting Notes for Exit Strategy
[00:53:00] Affordable Housing = Smart Note Investing
[00:56:40] Creating Notes Note Buyers Will Love
[01:02:00] Final Thoughts and How to Connect

In this episode, Dave Putz and Nathan Turner sit down with Nate Hare from Directed IRA to dive deep into how note investors can use self-directed retirement accounts to build wealth tax-free. Nate explains the difference between traditional and Roth IRAs, how to contribute up to $70,000 per year using solo 401ks, and strategies like the mega backdoor Roth. The trio also covers legal compliance, using checkbook LLCs, and leveraging multiple accounts for one investment. If you're a note investor looking to raise capital or defer taxes, this episode is packed with actionable insights.

Sponsored by Call The Underwriter, go to calltheunderwriter.com/jpk and get a free seller finance deal toolkit! To obtain this week's Real Estate Notes Show guest Nate Hare's information, use this link https://bit.ly/3FEZ69V

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Watch this video on Youtube: Watch Video

Our new Website Updated Tools, Resources, Bid Calculator, Education and over 100 assets for sale: ⁠https://www.jkpholdings.com/note-investor-education⁠

Youtube Channel: https://www.youtube.com/c/JKPholdingsllc?sub_confirmation=1

Upcoming Live Webinars: https://www.jkpholdings.com/webinars

DME (Diversfied Mortgage Expo) Note Conference Video Recordings - ⁠Purchase

SOCIAL MEDIA

FB Group: https://www.facebook.com/groups/EastCoastDistressedNoteInvesting/

Facebook: https://www.facebook.com/JKPHoldings/

Linkedin: https://www.linkedin.com/company/jkp-holdings-llc

#noteinvesting #mortgagenotes #investor #mortgagenote #realestate #realestateinvestor

[00:00:00] Show Intro and Guest Update

[00:01:03] Best DME Conference Success Story

[00:02:29] Who the Conferences Are For

[00:03:18] Toolkit from Call the Underwriter

[00:04:24] Creating High-Value Notes

[00:05:02] Funding Notes with Retirement Cash

[00:06:42] Tapping 401k Money for Notes

[00:08:54] Meet Nate Hare from Directed IRA

[00:10:04] How Nate Got into IRA Investing

[00:12:03] Why Use IRA for Note Investing

[00:13:10] What You Can’t Invest In

[00:14:56] Real Estate and Notes in IRAs

[00:17:02] Moving Money from Fidelity to SDIRA

[00:19:02] IRS Stats on Wealthy IRA Investors

[00:21:03] Using IRA to Lend on Notes

[00:23:14] $7K vs $70K IRA Contributions

[00:25:04] Traditional vs Roth Tax Benefits

[00:27:11] Who Qualifies for Solo 401k

[00:30:46] Real Estate Leverage with Retirement

[00:32:04] Contribution Math Made Simple

[00:36:12] Roth Conversions and Backdoor Strategy

[00:38:54] Understanding Roth Income Limits

[00:42:30] Legal Rules on Self-Directed IRAs

[00:44:04] Who IRAs Can’t Transact With

[00:47:04] What Is a Checkbook IRA LLC

[00:51:00] Partnering Multiple IRAs in One Deal

[00:54:02] Raising Capital Using Other People’s IRAs

[00:56:00] Market Outlook for Alternative Assets

[00:59:15] Show Wrap-Up and Next Steps

In this episode of the Real Estate Notes Show we are in a deep dive with  @m3_melody  Melody Wright, a former Wall Street analyst and housing strategist, as we unpack what the first quarter numbers really say about the housing market. From rising loan delinquencies to subtle market corrections, Melody sheds light on what this means for note buyers, seller-financed property holders, and anyone betting on debt in today's market. Whether you're buying distressed paper or creating notes, this is the edge you need to stay ahead.Sponsored by Call The Underwriter, go to calltheunderwriter.com/jpk and get a free seller finance deal toolkit! To obtain this week's Real Estate Notes Show guest Melody Wright's information, use this link https://bit.ly/3GizFv4**Never Miss a Live Show**,

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DME (Diversfied Mortgage Expo) Note Conference Video Recordings - ⁠Purchase

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#noteinvesting #mortgagenotes #investor #mortgagenote #realestate #realestateinvestor

[00:00:00] Show Intro and Guest Update
[00:02:18] Power of Networking at DME
[00:04:03] Key Takeaways from the DME
[00:06:02] Misconceptions in Note Creation
[00:08:20] Transition from Foreclosures to Notes
[00:10:02] COVID’s Impact on Note Market
[00:12:32] Guest Melody Joins the Show
[00:13:38] Inside the 2008 Financial Crisis
[00:15:59] How Investor Speculation Skews Housing
[00:18:20] Massive Housing Vacancy Nationwide
[00:20:05] Rise of Non-Bank Lending
[00:23:06] Why Data Reporting is Broken
[00:26:07] How the Shadow Market Operates
[00:29:01] Alarming FHA Foreclosure Trends
[00:31:36] Government-Sponsored Mortgage Fraud
[00:35:27] Problems with Non-Bank Credit
[00:38:06] Can Mortgage Data Ever Improve?
[00:42:08] Student Loans Block FHA Relief
[00:44:18] 500k Foreclosures Incoming?
[00:49:57] Housing Affordability Crisis
[00:52:30] Rate Buydowns Set to Expire
[00:55:05] HELOCs: Desperation or Leverage?
[00:58:02] Do on Sale Clause Warning
[01:00:05] Note Investors Thrive in Crisis
[01:05:41] Final Thoughts and Opportunities

Sponsored by Call The Underwriter, go to calltheunderwriter.com/jpk and get a free seller finance deal toolkit! To obtain this week's Real Estate Notes Show guest Mary Hart's information, use this link https://bit.ly/4lnetnx

In this powerhouse episode, attorney and seasoned note investor Mary Hart breaks down the most misunderstood legal tools in the investing world: trusts. From land trusts and revocable living trusts to irrevocable entities and self-directed IRA strategies, Mary dives deep into how real estate and note investors can protect assets, reduce taxes, and streamline probate. With 34 years of legal experience and a growing private lending business, she shares real-world use cases and mistakes to avoid. Whether you’re buying partials, performing notes, or investing through a trust—this episode is a must-watch.

Perfect for: note investors, trust newbies, and pros prepping for DME.

[00:00:00] Show Intro and Guest Update
[00:01:12] Spotlight on Seller Finance Notes
[00:02:56] Buying Seller Notes at Discounts
[00:04:50] Risks in Seller Finance Deals
[00:06:04] Why You Should Attend DME
[00:07:40] Networking Value at Note Events
[00:09:00] Meet Mary Hart, Trust Attorney
[00:10:00] How Mary Got into Note Investing
[00:12:03] Big Lessons from 34 Years Practicing
[00:13:26] Trust Types Every Investor Should Know
[00:15:04] Revocable vs Irrevocable Trusts
[00:17:03] How Trusts Avoid Probate
[00:20:12] Step-Up Basis Explained
[00:23:04] Land Trusts vs Living Trusts
[00:25:34] How Real Estate Investors Use Trusts
[00:28:00] Tax Benefits of Trust Structures
[00:32:00] Advanced Trusts in Note Investing
[00:36:03] Trusts for Fractional Note Ownership
[00:39:01] Trust vs LLC for Asset Protection
[00:44:10] Real World Land Trust Use Cases
[00:47:45] Final Q&A and Trust Tips
[00:55:01] How to Choose the Right Attorney
[01:00:56] Mary’s Lending Business & Market Outlook
[01:04:52] Closing Thoughts and DME Preview

In this packed episode, the hosts dive deep into the rapidly growing world of note hypothecation, partial notes, and funding strategies for note investors. Guest Justin shares how he legally wraps mortgages with full bank approval, and how he's secured financing from five different small banks by collateralizing his note portfolio. You'll learn how to pitch banks, what documentation to prepare, and how to make your notes bankable—even without selling them.

If you're a note investor, creator, or broker, this is a must-watch episode that could completely change how you fund your deals. Whether you're new or seasoned, you'll walk away with actionable tips and new strategies to grow your note business in 2025 and beyond.

To obtain this week's Real Estate Notes Show guest Justl's information, use this link https://bit.ly/3QSnbfA**Never Miss a Live Show**,

Add our Calendar to yours!

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We Buy Notes go to our site for more information! FAQs and Submit Your Note

Watch this video on Youtube: Watch Video

Our new Website Updated Tools, Resources, Bid Calculator, Education and over 100 assets for sale: ⁠https://www.jkpholdings.com/note-investor-education⁠

Youtube Channel: https://www.youtube.com/c/JKPholdingsllc?sub_confirmation=1

Upcoming Live Webinars: https://www.jkpholdings.com/webinars

DME (Diversfied Mortgage Expo) Note Conference Video Recordings - ⁠Purchase

SOCIAL MEDIA

FB Group: https://www.facebook.com/groups/EastCoastDistressedNoteInvesting/

Facebook: https://www.facebook.com/JKPHoldings/

Linkedin: https://www.linkedin.com/company/jkp-holdings-llc

#noteinvesting #mortgagenotes #investor #mortgagenote #realestate #realestateinvestor

[00:00:00] Show Intro and Guest Update
[00:01:00] Influx of Non-Performing Notes
[00:02:00] Why Networking Is Everything
[00:04:00] Keeping Top of Mind in Notes
[00:06:00] Common Performing Note Mistakes
[00:08:00] Partial Notes vs Hypothecation
[00:10:00] Meet Justin: Note Investor Journey
[00:12:00] Discovering Wrap Notes Legally
[00:14:00] Legal Lending Limits Explained
[00:16:00] Packaging Notes for Banks
[00:18:00] Negotiating with Small Banks
[00:20:00] Collateralizing a $100K Note
[00:22:00] Creating a Banker’s Presentation
[00:24:00] Title Companies as Key Connectors
[00:26:00] Banks Lending on High-Interest Notes
[00:28:00] Can You Hypothecate with Individuals?
[00:30:00] Lending and Risks with Private Notes
[00:32:00] Using Debt to Grow a Portfolio
[00:34:00] Structuring Legal Wrap Note Deals
[00:36:00] Texas Advantages for Note Investors
[00:38:00] Note Investing in Today’s Economy
[00:40:00] Post-Tax Yield and Amortization
[00:42:00] What Happens If You Default?
[00:44:00] Personal Guarantees and Final Thoughts
[00:46:00] The Future of Note Hypothecation
[00:48:00] Wrap-Up and Final Takeaways

In this episode, the hosts dive deep into the evolving world of note investing, discussing the shift toward wrap notes, hard money, and the increased presence of note brokers. With their guest Nate Hair out due to a family emergency, they pivot to a crucial discussion on how to broker notes the right way, including what not to do—like blasting borrower data or skipping due diligence.

They emphasize the importance of adding value when brokering, building relationships, understanding the asset, and why NDAs and spreadsheets matter. Common pitfalls like "joker brokering" and sending out unvetted bulk lists are discussed, along with how to vet real buyers and sellers.

Later in the episode, they tackle the myth of buying notes directly from banks, explaining why this rarely works for individual investors. Instead, they advocate for smarter strategies like direct mail and partial note buying for beginners with limited capital. Finally, they tease upcoming episodes, including hypothecations and trust structures, and encourage participation in the upcoming Diversified Mortgage Expo (DME).

[00:00:00] Show Intro and Guest Update

[00:01:12] Shift in Note Investing Trends

[00:02:04] Upcoming Market Crash Predictions

[00:02:33] Importance of Networking in Notes

[00:03:18] Who We Are as Note Investors

[00:04:08] Diversified Mortgage Expo Details

[00:05:26] Why You Should Attend DME

[00:06:01] Sit with Someone New at Events

[00:07:02] Why NDAs Matter in Note Investing

[00:08:22] How to Become a Note Broker

[00:09:42] Mistakes Brokers Make with Notes

[00:11:26] Key Info to Include in Listings

[00:12:37] Vetting Real Note Buyers

[00:13:31] Avoid Becoming a Joker Broker

[00:14:22] How to Add Value as a Broker

[00:15:52] Real-Life Note Brokering Examples

[00:23:00] Why Partials Are Great for Starters

[00:27:04] Can You Buy Notes from Banks?

[00:30:06] Why Big Banks Don’t Sell Notes

[00:34:08] Solving Seller Problems Creatively

[00:40:46] What Buyers Really Look For

[00:43:00] Why Stay Onsite for DME

[00:44:16] Upcoming Guests and Events