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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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Note Partials 101: Structure, Pricing, and What Happens If a Loan Defaults
Episode 146
Tuesday, 23 June, 2026
In this episode of the Seller Finance and Creative Deals Podcast, Dan Deppen breaks down partials, one of the most talked about but least understood tools in note investing. Dan explains what a partial actually is (selling a defined chunk of future loan payments at a set rate of return), walks through a real numbers example on a $30K land contract, and covers why partials can be a win for both sides of the deal. Topics covered include why partials only work on performing loans, how sellers use them to recapitalize and scale without giving up the entire note, why buyers like the lower risk of front-end payments and the ability to get exposure to note investing with less capital, how to find partial buyers through your network rather than open marketplaces, typical interest rates sellers offer buyers, key structural decisions like who holds servicing and whether to sell full or fractional payments, and how defaults are typically handled when a partial is in place. Dan also shares an update on his Oklahoma City note portfolio acquisition and the current Note Accelerator cohort. Want to learn more about note investing, seller finance, or creative real estate deals? Check out Fusion Notes for coaching and courses, (www.fusionnotes.com) and Call The Underwriter (www.calltheunderwriter.com,) for flat-fee seller finance compliance and origination help. Note buying: www.fusionnotes.com Note origination and underwriting: www.calltheunderwriter.com Mortgage broker / DSCR servicers in TX, FL and CO: www.callthemortgageguy.com
