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The Note Investor PodcastAuthor: Dan Deppen
The Note Investor Podcast will guide you through the ups and downs of note investing, and teach you about all of the nitty gritty details of the business that other people won't talk about . Your host, Dan Deppen is a former aerospace engineer and product manager who transitioned away from cubicle life to full time note investing in 2018. Our website is www.fusionnotes.com, where you can subscribe to this podcast, comment, and find links to other information on note investing. Language: en Genres: Business, Entrepreneurship, Investing Contact email: Get it Feed URL: Get it iTunes ID: Get it |
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Seller Finance Myths
Episode 151
Tuesday, 22 September, 2026
Seller finance compliance is simple once you know the rules, but it's convoluted while you're figuring it out. That gap is where a lot of bad advice gets passed around at meetups and REIAs. In this episode I run down eight myths I hear constantly from investors doing owner-financed deals. I cover why consumer rules like Dodd-Frank and TRID still apply to seller finance, why a borrower agreeing to illegal terms doesn't make them legal, and why a deed in lieu signed at closing won't let you skip foreclosure. I also get into why a sketchy borrower is never worth rushing for, why titling in an LLC doesn't get around owner-occupant rules, and why Dodd-Frank compliance is the floor for underwriting, not the finish line. Finally, balloons. I explain why they set owner-occupant borrowers up to fail, and why a well-underwritten loan gives you what I call the anytime balloon: the ability to sell the note and get liquid whenever you want. Which consumer rules apply to seller finance and when the carve-outs actually kick in Why deed in lieu at closing is a trap, not a shortcut The seller finance gap between Dodd-Frank minimums and bank standards Why balloons don't belong on owner-occupied loans How compliant, well-underwritten notes stay liquid in today's non-QM market Note training: www.notelaunchpad.com Note buying: www.fusionnotes.com Note origination and underwriting: www.calltheunderwriter.com Mortgage broker / DSCR servicers in TX, SC, FL and CO: www.callthemortgageguy.com
