Hi all — Florida-based investor, buying out of state. I've been investing since 2015; the first stretch was wholesaling and wholetailing in my local market, and since early 2024 I've focused on buying affordable single-family homes and reselling them with owner financing. I hold and service those notes on the buyer side — they pay me monthly, and since it's a contract-for-deed structure, I retain title until it's paid off rather than recording a lien in their favor. When I bring in a private lender on a property, that works the other way: the lender gets a recorded first lien against the property, and I pay them back by autopay. My experience is that most borrower/lender friction in this space comes down to sloppy paperwork and poor communication.

Joined a while back, finally participating. I'm mostly here to understand what people considering their first private loan worry about, and I'm glad to answer questions about how these notes get structured and serviced from the borrower's side. Not selling anything.