Join Owner Financing Club Today!

[Join for $97 + $9.97/month 'til canceled... yearly and lifetime options available]

Discover and Master the #1 Secret that

Seasoned Investors Use Every Day…

Even if You Have Two Left Feet

You MUST Learn

“The Dance Between Property and Paper”

[See the Events Calendar to the right to find out when our next Club Call is]

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Owner Financing Club is the place where REAL ESTATE and NOTES meet, start to flirt, and take off across the dance floor.

It’s no secret that “the system” isn’t working that well and that things are likely to get increasingly “interesting”. We need to know how to get things done without relying on the banks, and in a way that supports individuals and communities.

Sure, owner financing fetches the highest possible price for a property, but does that help if the note created in the process isn’t worth the paper it’s printed on? Or… what if there are other owner financing strategies (other than the creation of a note & deed or mortgage) that would actually be better for the situation at hand?

You can thrive if you know how to use owner financing strategies to buy and sell real estate.

Becoming proficient with Owner Financing & Notes is ABSOLUTELY CRITICAL for:

• Real estate professionals
  
• Sellers
• Buyers
• Investors who flip property
• People who want to convert property into paper
• People who need or want to convert paper into property
• People who want to know how to safely make solid returns investing in hard money loans and/or discounted paper
  
• Entrepreneurs who want to learn the “note business”
• Note professionals who want to get paid for creating a pipeline of good paper

This membership/training site is a virtual real estate investment club focused on notes and owner financing strategies, and is intended to create a community of buyers, sellers and investors as principals, and real estate, mortgage and note brokers as professionals who are committed to understanding owner financing and private notes, and how to help more transactions come together legally, ethically, and intelligently. We can all learn from each other. It’s not uncommon for me to get great ideas from people who thought they were calling to pick my brain!

The market is desperate for this information, and I’ll help you become the expert in your sphere of influence.

[Join for $99 + $9.97/month 'til canceled... yearly and lifetime options available]

Yes, it costs $$$ to have access to the monthly club meetings and the other educational resources to be found here, but there are NO HIGH-PRICED UP-SELLS.  You can attend free meetings and sit and be pitched a $2,000+ program, or you can “cover the room charge” and just enjoy quality education and ideas that could change your life for less than the price of the gas you’d spend driving to your local real estate investment club.  You also have the opportunity to get your personal questions answered, and help with the deals you’re working on.  You can cancel your membership at any time.

Real estate professionals – there is no excuse for not having these tools in your toolbox. You are leaving commissions on the table, under serving your clients, and exposing yourself to unnecessary liability. Even agents who regularly participate in owner financed transactions rarely seem to tell their clients that the note they are now holding can be sold for cash.

Learn how to get your clients cash,

even when they carry.

Sellers – owner financing is one of the best ways to sell property for top dollar in today’s market. Let’s make sure you choose the right owner financing strategy, limit risk, and create paper worth holding or selling.

Owner financing get you top dollar for your property.

Make sure you get top dollar for your paper.

Buyers – you can get into your dream home without having to qualify for a bank loan. Bankruptcy? Foreclosure? Short sale? Self-employment income? NO PROBLEM! Investors… why not leave all the hard money behind and look for owner-financed opportunities? One-third of properties in the U.S. are owned “free and clear” (have no mortgages recorded against them).

Investors & builders – incorporating intelligent owner financing into your fix and flip investment model could make or break your business. Find out what it takes to create paper worth holding or selling. Too many of you have NO IDEA what you’re doing until it’s too late! Discover the myths & realities of the Simultaneous Note Sale, and make unbelievable cash-on-cash returns selling owner-financed to other investors.

Note professionals (established or up-and-coming) – you must expand your knowledge enough to become owner financing experts. Leverage your knowledge of notes to function as an owner financing consultant so you can get paid helping to create a pipeline of good paper that you can eventually buy. You need to get better at quickly identifying good paper from bad, and stop wasting your time on deals that don’t have a chance of coming together.

Dozens of respected news and financial publications like FORBES, Wall Street Journal, INVESTORS BUSINESS DAILY… LA TIMES, the National Association of Realtors’ Magazine & Radio Show, & SAN FRANCISCO CHRONICLE to name a few…

…are starting to write articles and talk about some of the ideas and strategies I want to share with you.

Once you understand owner financing and “the dance between property and paper”, you’ll have more options than you ever thought possible:

• You can buy property with owner financing
• You can sell property with owner financing
• You can flip with owner financing and keep an effortless spread
• You can buy notes
• You can sell notes
• You can learn to safely make great returns as a private lender
• You can broker notes as well as real estate
• You can get paid as a consultant
• You can get paid for doing professional note appraisals

Like an alchemist…

you’ll be able to turn property into paper,

and paper into CASH!!!

Property and paper are just two sides of the same coin. To understand one is to understand more about the other. Property can turn into paper, and paper can turn into property… like water can turn into ice or steam, depending on external conditions.

There are tons of courses and seminars on real estate, and tons of courses on notes, but there are few that talk about them as if they were pretty much the same thing… that there is a profound unity underlying any perceived differences. In my mind, it makes no sense to quarantine concepts that, like twins, miss each other when they’re separated.

Like twins often do, property and paper have developed their own private language… their own communication codes. Little by little as you “crack” these codes, your mind begins to light up, and the bits and pieces you’ve heard from here and there over the years will start to make sense. You’ll notice a profound sense of freedom and relief as you begin to understand where things fit in, and how they relate to each other, which will provide increased confidence.

So… why have I created this club membership & training site?

I want more transactions to be able to come together in a way that meets the needs (and minimizes the risks) to both buyers and sellers. Each and every closed real estate transaction is important in helping the economy survive. For the audio intro for the first call, listen here:

I am absolutely passionate about

liberating and empowering

buyers, sellers and

real estate professionals

in today’s market.

I truly get a charge out of helping people put deals together that they didn’t think possible. I find this work fun and fulfilling. Owner financing is an idea whose time has come, and I love teaching people about it… even though it’s become a lot more complicated with the SAFE Act and other regulations that we need to consider. It’s a bit of a jungle, but we can find our way through it.

Let’s face it… these are challenging times in the real estate arena… credit is tight in many markets. Banks aren’t exactly using the bailout money to make loans easier to get. But with owner financing, we don’t have to care what banks are (or are not) doing.

People are starting to turn to alternative strategies out of desperation… I’d just like to make sure they’re guided towards the safest and most intelligent options available.

The reason “creative financing” sometimes stirs up anxiety is because (like with anything) there is potential for abuse, fraud and unanticipated unpleasant consequences. There are some horror stories out there from the last time “creative financing” was the method de jour for getting things done.

It doesn’t have to be that way this time around.

We can be creative and “above board” all the way, and help people preserve both real and paper assets. No need to have people walk away from money or equity that is rightfully theirs, or to expose them to unnecessary risk at a time when something like $6.3 trillion in equity has already disappeared from consumer pockets over the last few years. People are scrambling to salvage anything and everything they can, and we can help them implement strategies usually reserved for seasoned investors.

There are too many people who feel trapped, overwhelmed, or shut out of the system by what is happening in the market… too many deals are not coming together that should, and many that come together end up falling apart.

That kind of pain is not necessary.

Sellers are having a tough time getting a good price for their property, because they’re having to compete with short sales and foreclosures, and buyers can’t get financing.

Property owners are drowning under payments they can no longer afford… they’re desperate, confused and don’t know where to turn. If they start looking around for answers, they are soon overwhelmed with information, and don’t have the ability to sift through all of it and understand how it applies (or doesn’t) to their unique situation… they need help.

Real estate professionals have listings they can’t take, listings getting ready to expire, buyers that can’t qualify, or transactions falling apart…

This is unnecessary.

Another reason I put this site together is because:

I need more good paper to buy!

Most of the notes coming across my desk are just not cutting it! (even ones put together by attorneys… unless those attorneys happen to regularly buy and sell notes in the secondary market).

Nine times out of 10, there are weaknesses that kill the deal and limit the number of note transactions I can close.

There are often one or more weakness in how the seller financing…

1. transaction was engineered,
   
2. paperwork was put together, or
3. buyer was “underwritten”

Either I can’t buy the notes at all, or I have to offer such low prices to the note holders (to offset the risk of their errors & short-sightedness) that they decline to sell, unable to stomach the discount required by market conditions.

This is also pain that is unnecessary.

If I would have been consulted at the point these notes were created, 4 times out of 5 I could have saved the note sellers thousands of dollars as well as grief, remorse, and lost opportunities (and they wouldn’t be angry at the professionals who put the deal together for them!)

I would have been able to make sure they had a notes worth holding or selling… hopefully to me, of course

As I mentioned… this membership/training site is intended to create a community of buyers, sellers, investors, real estate brokers and note professionals who understand owner financing and how to help more transactions come together in a way that maximizes benefits and minimizes risk. I envision a sort of round table approach where everyone shares their ideas, their successes and failures, and helps other members of the club to achieve their objectives.

Perhaps, I’ll have the opportunity to consult, and be personally involved in helping you structure your transactions. Sometimes that will involve the creation of paper that I can potentially add to my portfolio either now or down the road.

Perhaps I’ll discover a few investors out there with cash languishing at 1% that would like to partner with me and make safe and solid returns by participating in private (Southern California) loans and/or buying discounted paper across the country. Inflation is conservatively at 8%, so if you’re not making at least that with your capital, it’s disappearing while you sleep.

I love the opportunity of working with buyers and sellers through innovative real estate transactions in a way that allows the individuals involved the opportunity to get what they need, and make graceful and powerful transitions into the next exciting chapters of their lives.

“Dawn showed me how to buy an art studio without getting a traditional loan. Without her help, it never would have been possible.” – Terese Nielsen

 

 

 

“None of the banks would give me a loan. I would not have been able to have a nice home close to my grandchildren to retire in without Dawn’s help.” – Margarita Carranza

 

“I had been trying unsuccessfully to sell my home for 9 months when I agreed to consider something outside the box and work with Dawn. My only other option was a massive price reduction. A buyer came in and offered me full price, but couldn’t get bank financing, and Dawn helped us put that deal together. It got me out of payments I no longer wanted, and it got the buyer a home he could afford, but couldn’t qualify for with the bank, and agent actually got her commission! Thanks, Dawn.” - Jerry Hannan

Let me just take a minute and share some personal things with you, so you can get a feel for who I am and what I’m about…

I graduated from BYU as an RN and came back to Southern California to start my nursing career at a local trauma center, where I worked as an ICU & ER nurse for several years.

I also happened to get married and start my family. By the time my husband & I separated after 5 years of marriage, we had 3 little girls less than 3 years apart! The youngest was 8 months old.

As a single mother, it was tough in the beginning, and I was only working part time because I wanted to raise my own diaper bottoms… not put them in full-time daycare. Family is very important to me.

Not long after the divorce, I got an RN paperwork position that actually paid me more for working part-time than I could have made working full time in the hospital. It was “too good to be true”.

That job allowed me almost effortless financial sufficiency and plenty of time to spend with my children. It was the perfect job for me for many years… until it wasn’t. There was an inner calling that got increasingly obnoxious as time marched on…

In the mid 90′s I started taking one real estate seminar after another, and courses on “the note business”… everything you could think of.

I wanted out of the “rat race”. I felt I had it in me to do more, be more, and truly be fulfilled by my work.

But a steady, lucrative job can be a cunning trap… the illusion of safety and security almost tempted me to give up on my dreams. (2 mortgages, 3 daughters and 1 step-son to feed were pretty convincing “illusions” I might add)

So I stalled my life shift for many years… played it “safe”. Did the “responsible”, practical and sensible thing and just kept working. By the time I was 39 1/2, I felt like I was 80, with achy joints and no energy… I was depressed.

Inside I was screaming. I had to make a drastic change and I had to make it quick… I felt like my life depended on it. So I took my little nest egg and jumped ship, and I started on a journey of self discovery and personal empowerment.

As I pursued my love of the note business, I got my real estate license. I spent a few years cutting my teeth as a traditional agent, and worked with & for a company that focused on real estate investments… both buying & flipping, and buying & holding.

I started to see that notes and real estate came together at owner financing, but that few seemed to understand this, or even be aware of it. Eventually, I became an independent real estate broker, and am now often hired as a real estate consultant.

As often as I can, I buy the paper that is created through these transactions.

Because of my journey over the last several years, I know what it’s like to feel trapped, stuck, without options. I know what it’s like to be scared out of your wits by financial chaos and real estate deals going south, and wondering if you’ll ever feel on top of things again.

I want to use the lessons I have learned over the years, as well as the real estate and note knowledge I have gathered along the way, to help you make a quantum leap into the next exciting chapter of your life, whether you’re buying, selling, investing, or making a living as a real estate or note professional.

Our real estate transactions represent a lot to us and our families. When you realize you have many more options that you ever thought possible, you’re free.

I want that feeling of hope and possibility for you.

I don’t want you to feel limited by credit scores, Washington or Wall Street. Waiting for someone to come along and “save” us isn’t prudent or likely. We need to empower ourselves to get what we want and need, especially when “the system” doesn’t exactly seem to have our best interests at heart.

I used to work as an ER nurse in a local trauma center. Now, I’m often in the position of helping people stabilize and recover from traumatic experiences with their real estate transactions.

We are not at the mercy of the market.

I’m tired of people being kept in the dark by banks, and by well-meaning but ill-informed professionals… (sorry to say, but many Realtors, attorneys and CPAs know very little about alternative strategies, or even the basics of creating a strong note).

There are more opportunities right now than ever before. All you need to take advantage of them is a little knowledge and support.

If you already know you want choices and options and to join a community of people committed to the same things, sign up for OWNER FINANCING CLUB right now!

In the U.S., over 50% of properties have either no loan on them (are owned ‘free and clear’) or have a long-term fixed-rate loan (AKA: “attractive financing”).

Which owner financing strategy are you going to use to buy or sell them?

• “Subject to”?
• An AITD? (“wrap”?)
• A note and deed of trust or mortgage?
• A contract for deed or land contract?
• A title holding (land) trust?
• Lease option?

The answer…

IT DEPENDS!!!

No two transactions are identical. How you structure the transaction depends on the needs, abilities and risk tolerance of the individuals involved. What are their short and long term financial objectives? What is the ultimate exit strategy?

Sophisticated investors know all about the techniques and strategies we’ll talk about here at Owner Financing Club. Several times a year most buy and sell properties without needing a bank involved in the transaction.

I want the general public to be able to take advantage of these powerful ‘secrets’…

Because they shouldn’t be secrets!

I’m actually shocked at how hidden all of this information seems to be for most of retail, mainstream America.

Many times buyers and sellers must educate their real estate agents, their attorneys and CPA’s about creative strategies… because sadly, these professionals are often not accustomed to talking with their clients about these things.

You have to take matters into your own hands and create the opportunities that are out there for you.

Like I said, many investors (including myself) use owner financing strategies to buy and sell properties. I doubt I’ll ever approach a bank again about buying a property. But unless you spend a lot of time & money taking several real estate courses and going to lots of seminars, you just don’t become aware of the options available to you.

It’s important to know that there are several ways to successfully put creative real estate transactions together, but there are even more ways to SCREW THEM UP!

I want you (and/or your clients) to be protected… armed with knowledge & support.

Become a member of Owner Financing Club

$97 + $9.97/month ’til canceled!

(Yearly and lifetime options available)

Here’s what you have access to when you join the Owner Financing Club community:

• Monthly club meetings — each monthly meeting (usually mid-month) is dedicated to a special guest interview so we keep learning from other professionals with relevant expertise.  Look over our shoulders once a month as we discuss real life owner financing transactions and/or note deals, and get the inside scoop (things you may never hear from anywhere else) as I tease valuable personal and professional insights from our featured guests.  Recorded and hosted on the site.

• Monthly transaction review & calculator practice — on the first Thursday of every month, there is a Transaction Review webinar where we go over 1-2 note and/or owner financing deals that I’ve done recently, or ones that have been contributed by community members.  Get insights as to why they worked, or why they fell apart… tune into the thinking and decision-making process.  You’ll see exactly how I use my financial calculator to put these deals together.  I have a phenomenal desktop calculator that makes it easy for me to share every step with you!  Recorded and hosted on the site.

• Monthly FAQ phone calls — on the last Saturday of every month, take advantage of a FAQ session where you can call in to get specific help with deals you’re working on, or answers to questions you have.  Remember, we’ll be learning from each other and sharing our knowledge, experience and insights.  We’re counting on you to participate!  Recorded and hosted on the site.

• Access to special classes– members will have access to extra classes I teach.  Right now, there is a 5-week Note Buying Class, and a 5-week class for real estate professionals, along with other various educational webinars and live events that I’ve recorded and hosted on this site for you… including a session that will show you all you need to know about running a financial calculator in order to evaluate, quote and buy a note.

• Market updates & bulletins– stay up to date with what’s happening in the note buying world, trends in real estate, and issues that affect owner financing. The market is changing fast all the time, and you need to be armed with as much information as possible to make good investment decisions, whether you’re buying property or paper.

• Privileged, members-only blog posts– there’s a lot you can learn from searching my Note Queen blog… I give away a lot of good information for free, AND… the blog posts available to members of Owner Financing Club will provide even more in-depth material.

• Links to trusted resources that will help you along the way as you learn to navigate the world of alternative financing and notes.  Find out what news feeds I’m following and who I count on for good advice.

• Realtors, you’ll be on my list to receive referrals for listings and sales when I have buyers or sellers in your area that want to work with professionals who understand owner financing (send me your info and the areas and types of property you cover)

There are four blog post categories at Owner Financing Club that I am constantly building with content that are especially dedicated to more specific training for each of the 4 groups below:

• Just for Realtors (aimed specifically at real estate professionals working with both buyers and sellers)
  
• Buy Without Banks (for the buyer who wants to buy a home or investment for their family, but can’t qualify for a bank loan)
  
• Sellers & Investors (in this we cover the myths and realities of the simultaneous note sale, as well as how to intelligently use owner financing to sell your primary residence or investment property)
  
• Note Business (learn to add notes to your own portfolio, run a financial calculator, and broker notes to others)
  

Many people hire me as a personal coach or consultant, but many can’t afford or don’t need this type of support. I want to help as many people as humanly possible… I want to make it possible for everyone to participate in the community here at Owner Financing Club, so I’ve made it impossible to pass up. This is also the way for people who want to be “bird dogs” to learn how to bring me deals and joint venture with me.

All you have to do to start investing in your future is to:

1. Click the “add to cart” button below
2. Check your email for instructions & register for the club
   
3. Tune into the community each month & start implementing!

That’s it.

It’s time for us all to liberate and empower ourselves and our clients from the perceived limitations and chaos going on ‘out there’ in the market, and learn to take advantage of it instead.

I am so looking forward to helping you and learning from you along this marvelous journey of discovery and empowerment. It’ll be great having you hang around here in the club… in the ‘Queendom’.

To your success always,

Dawn Rickabaugh