All Forum Posts by: Lauren Sanford
Lauren Sanford has started 0 posts and replied 114 times.
Post: Do Flippers Benefit from Connecting with Note Buyers?
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- Votes 36
@Richard Dickson we been the note buying/creating space for 15 years. When ever we take a property back via foreclosure we always fix it up and then create a new note on it. We do also follow our "14 steps to Valuable note" to ensure we get the highest value on the note along with making legally enforceable. In the 1 of our 14 steps we create it in a way that we can sell part and keep part at an infinity return.
There is a tax savings with creating the note that most people dont think about. We will discuss this more in a two weeks if interested.
Post: Opportunity for Guidance on Wrapping Seller-Financed Deal in Georgia
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- Posts 121
- Votes 36
@Ruchit Patel the banks are giving out loans at 6.5 % why would you offer 5%? If the borrower could go get a loan from the bank they would not need you, hence you should be charging more. Similarly why most seller finance properties sell for higher since the borrower can't get traditional lending. We been buying, creating and selling notes for 15 years. We primarily buy notes, but we teach note creators how to create both solid and valuable notes. Be sure to get the borrower Fully underwritten and RMLO'd
Post: Make $1,400/mo with a $9k Down Payment in Cleveland Ohio
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- Votes 36
Quote from @James Wise:
Seller financing houses in Cleveland, Ohio is a great way to grow a huge Section 8 rental property portfolio if you don't have a ton of cash to use on down payments. At HoltonWise we're experts in putting together seller financed deals with low down payment mortgages on Section 8 properties in the Cleveland real estate market.
Make $1,400/mo with a $9k Down Payment in Cleveland Ohio | HoltonWiseTV Highlights
We would be interested in buying the note after you Note!
Post: Virtual assistant template
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- Posts 121
- Votes 36
Quote from @Aaron Maxwell:
@Bruce Lynn thanks , do I need propstream ? And as far as data log just an excel spreadsheet should be enough. Can I send you my due diligence check list can you tell me what you think?
For buying notes we have around 120 point checklist we use that we have been building for 15 years. Let us know what points you are looking at.
Post: Virtual assistant template
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- Posts 121
- Votes 36
Quote from @Keith Lanier:
Hi Lauren, I am just getting use to this platform, when you say that you sent me a private message, where would I locate the message? Incidentally I did a little reading on you and what you do, I realize that you could be just the person I have look for to work with, Learning about creating Notes, for the real estate we buy and own, is the next process of to what we want to do, how could you be instrumental in that process? Buying and Selling Notes, can you tell me how that process works? Do you originate the Note with an attorney? Tell me how that works...Do you teach a class? thanks!!!
You can use an RMLO or attorney to draft the note.
Post: Virtual assistant template
- Investor
- Posts 121
- Votes 36
Quote from @Keith Lanier:
Hello Lauren Sanford, of course would love to see the 14 points that make a note valuable, yes I am interested? Do you also create Mortgage Notes as well? How do we connect?
thanks!!!
Post: Did you know you can sell your real estate note for a lump sum cash payment? Or if yo
- Investor
- Posts 121
- Votes 36
Quote from @Barbara Johannsen:
Hey everyone 👋
I’m in the early stages of learning about note investing, and I’m starting to see how powerful it can be — especially as a passive income strategy. I know there’s a learning curve, and I want to approach it wisely.
So I figured I’d ask the pros here:
🚧 What beginner mistakes should I avoid when getting into real estate notes?
🧠 Are there any books, tools, or red flags you wish you knew about earlier?
Would love to hear your honest take — not looking for any offers or services, just education and connection. 🙌
Absolutely! Let us know.
Post: Virtual assistant template
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- Posts 121
- Votes 36
Quote from @Keith Lanier:
Currently, a partner and I are wholesaling off-market, distress properties in Southern IL, some we keep and remodel and hold for Section 8, however with the Section 8 market in a couple of the Counties that we doing business in, we are thinking about creating Mortgage Notes, have never did a Mortgage Note before, however been reading and researching them, and like to connect with an attorney or someone that has experience or legal expertise in the area of Mortgage Notes. THANKS
Just be sure to connect with a Foreclosure attorney so that you can stay Dodd-Frank Compliant. We also recommend creating them with the mindset of being able to sell them down the line if you need to. We can show you 14 points that make a note valuable if interested.
Post: What does retirement look like for a long-time real estate investor
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- Votes 36
Quote from @Joe S.:
Quote from @Lauren Sanford:
Quote from @Kevin Polite:
Quote from @John McKee:
@Jules Aton. That is correct! This is a wealth preservation portfolio. No more need to chase ROI
I had a similar conversation with an investor friend who's been retired for 20 years and now 100% in the stock market. I'm not risk-averse either, but I still think that's a bit extreme—too much volatility, not enough control.
I really like your allocation strategy. At a certain point, it's less about chasing high ROI and more about consistent, low-hassle income. That's a mindset shift that's hard for a lot of investors after years of being in acquisition mode. I
If you're open to sharing more, I'd be curious to hear how you source your private credit and mortgage note deals—especially the 12% returns. That's attractive and seems like a natural next step.
My wife and I had discussed selling a couple of our notes. What size Notes you’re looking for?
Joe we have a buy box that we can send you. However before I do that, are they owner occupied? If so did you underwrite and use RMLO?
Post: Note Investment Underwriting - What Makes Quality Notes Attractive?
- Investor
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- Votes 36
Quote from @Jack Davis:
New to note investing - what should I know about note quality and underwriting and what makes a note attractive to institutional buyers vs. private investors. Your knowledgeable input is greatly appreciated
There is lot to know. Being in this space for 15 years we are still learning. Biggest factor is if the borrower occupies the property then make sure the originator underwrite the borrower and they have the ability to repay. We talk about this on our show. Feel free to reach out.