All Forum Posts by: Lauren Sanford
Lauren Sanford has started 0 posts and replied 114 times.
Post: Understanding Yield vs. Discount in Note Deals
- Investor
- Posts 121
- Votes 35
Quote from @Melinda Eilts:
For those exploring note investing — how do you evaluate yield versus discount when analyzing a deal?
I've been reviewing some notes where the discount really changes the ROI, even more than the face rate.
Curious to hear how other investors weigh those two when deciding to buy.
Post: Do You Think Note Investing Will Grow in 2025?
- Investor
- Posts 121
- Votes 35
Quote from @Melinda Eilts:
With interest rates shifting and more lenders selling paper, it feels like note deals might increase.
What’s your take — are you seeing more opportunities in the secondary market this year?
Did you see the conversation we had on this topic on our last show? Todays rates are not changing much yet. And as we also discussed the private lenders are mostly making a lot of mistakes.
Post: Why Are More Investors Getting Into Notes Lately?
- Investor
- Posts 121
- Votes 35
Quote from @Elealeh Fulmaran:
I’ve definitely noticed the growing interest too. I think a lot of investors are drawn to notes because they offer predictable cash flow without the headaches of property management. Flexibility and lower maintenance are huge pluses, especially in today’s market. I’m curious to see how creative financing and partials might play a role in the next few years—seems like those who structure deals smartly are really benefiting.
Post: Creative Financing - Wraps - Seller Financing - Now More Than Ever, Here's Why
- Investor
- Posts 121
- Votes 35
Quote from @Ken M.:
Quote from @Lauren Sanford:
Quote from @Ken M.:
Did you know that if you buy a $400,000 property . . .
In a typically bank financing scenario you put down 20% or $80,000 and finance $320,000 for 30 years the Principal and Interest at 7% is $2,129 and over 30 years you pay $766,428 (the bank loves you)
BUT
if you take over a loan using a Wrap (Wrap To, it takes about $15,000 in costs) and take over the existing mortgage at 2.5% that was taken out 2 years ago your payment Principal and Interest is $1,264 ($865 a month less) and over the remaining 28 years pay $447,894 (you get to keep the difference)
That's a savings of $318,534 Three times a Year! For 5 years and you are RICH!
Who doesn’t want to do that!
Retire Early and move from CA to FL Uhaul will love you ;-)
When you are new, looking for lenders & considering Fix & Flip, BRRRR, or rental, as a buyer, I’d ask the owner/seller to be one of my private lenders with creative financing. This works in Southern California (CA), AZ, WA, and TX.
That's why we encourage being trained, which co-incidentally, we train on Creative Finance.
Now, when you buy notes, what are you looking for?
Post: Creative Financing - Wraps - Seller Financing - Now More Than Ever, Here's Why
- Investor
- Posts 121
- Votes 35
Quote from @Ken M.:
Did you know that if you buy a $400,000 property . . .
In a typically bank financing scenario you put down 20% or $80,000 and finance $320,000 for 30 years the Principal and Interest at 7% is $2,129 and over 30 years you pay $766,428 (the bank loves you)
BUT
if you take over a loan using a Wrap (Wrap To, it takes about $15,000 in costs) and take over the existing mortgage at 2.5% that was taken out 2 years ago your payment Principal and Interest is $1,264 ($865 a month less) and over the remaining 28 years pay $447,894 (you get to keep the difference)
That's a savings of $318,534 Three times a Year! For 5 years and you are RICH!
Who doesn’t want to do that!
Retire Early and move from CA to FL Uhaul will love you ;-)
When you are new, looking for lenders & considering Fix & Flip, BRRRR, or rental, as a buyer, I’d ask the owner/seller to be one of my private lenders with creative financing. This works in Southern California (CA), AZ, WA, and TX.
Post: Why Are More Investors Getting Into Notes Lately?
- Investor
- Posts 121
- Votes 35
Quote from @Melinda Eilts:
It feels like note investing is gaining more attention recently.
Maybe it’s because of the lower maintenance, steady income, or flexibility.
If you’ve been in the space for a while — what’s driving the shift, in your opinion?
I’d love to hear your thoughts on where this market is heading.
Post: DISCOUNTED Birmingham, AL Private Mortgage Note FSBO - >100% Equity
- Investor
- Posts 121
- Votes 35
Quote from @Dawn Vought:
DISCOUNTED Birmingham, AL Private Mortgage Note For Sale By Owner
Over 100% Equity In House!
Principal: $44,636.66
ARV: $95,100
Interest Rate: 11%
All reasonable offers considered!
30-Year Amortization With 3-Year Balloon Note
Borrower refinanced with us in March 2025.
Has lived in the property since 2013.
4 BD 2 BTH SFR, 2-Story, not a "bungalow" type house
New 2-Story Deck installed in 2025
Additional Information:
Note originated: March 26, 2025
Original Principal Amount: $44,685.78
Current Principal Amount: $44,636.66
Interest Rate: 11%
30-Year Amortization with 3-Year Balloon Payment
PITI = $515.00/month
PI = $425.55/month
Current Escrow Balance: $328.32
Real Estate Taxes (Paid 2024): $480.61
PM To Get the Zillow link that the system would not let me post here or
PM Any Questions or Offers
Post: Pros & Cons: Owning Property vs. Owning Notes
- Investor
- Posts 121
- Votes 35
I am sure we answered this in your other post. Are you asking the same question?
Post: Advice for Someone New to Note Investing?
- Investor
- Posts 121
- Votes 35
@Aaron Zimmerman yes jkp we have Note Podcast and our last episode was on this tax question actually. If you have questions feel free to reach out.
Post: Advice for Someone New to Note Investing?
- Investor
- Posts 121
- Votes 35
Quote from @Melinda Eilts:
I’m exploring real estate notes as a way to diversify my portfolio, but I’m still in the early stages of learning. For those who’ve been doing this for a while, what’s one tip you’d give to someone starting out?
Welcome to the note space. We have been in the space for over 15 years. Just know that Notes is more "Legal" than "Real Estate". We hear a lot about Note Brokers so we did an episode on our Notes Show about this a there is a ton of misconceptions. As we tell all our followers on other platforms, if you want to get started buy a Partial. It gets your feet wet, you get to learn a lot and the risk is reduced. Reach out if you need anything as we have tons of content!