{"type":"rich","version":"1.0","provider_name":"Transistor","provider_url":"https://transistor.fm","author_name":"Owner Financing & Note Investing Podcast with Dawn Rickabaugh","title":"For Buyers and Their Agents: How to Submit an Offer Asking for Owner Financing","html":"","width":"100%","height":180,"duration":3871,"description":"In this insightful and extensive discussion, Dawn Rickabaugh, host of Property and Paper Live, sheds light on the evolving real estate market of mid-2025, emphasizing the growing importance and practicality of seller financing and note investing as viable alternatives to traditional bank financing.Dawn's core message targets everyday \"Main Street\" investors and homeowners, aiming to demystify seller financing (owner financing), notes, and the secondary market for these financial instruments, which have long been confined to niche investor circles or institutional players.Dawn begins by addressing the current market challenges: Many sellers are frustrated by stagnant listings, lack of offers, and unrealistic pricing expectations. She highlights that while some sellers might pull their properties off the market due to a lack of motivation, a significant portion needs to find creative solutions to close deals.Seller financing emerges as a powerful tool for both sellers and buyers to keep the market moving. By offering terms, sellers can maintain their asking price while buyers who can't get traditional bank loans can still purchase properties.The conversation then pivots to practical advice for realtors and investors on how to structure these deals. Dawn explains that seller financing transactions closely resemble traditional real estate deals with only minor but critical differences, primarily involving a seller financing addendum and the replacement of institutional lenders with the seller as the note holder.She stresses the simplicity of the process, encouraging agents to embrace the concept rather than avoid it due to unfamiliarity.The latter part of the discussion addresses the challenges investors face in acquiring properties through seller financing, including resistance from sellers and agents unfamiliar with or unwilling to entertain terms offers.Dawn provides strategies for overcoming these barriers, such as starting with a cash offer and then introducing...","thumbnail_url":"https://img.transistorcdn.com/tbyyRPGvNoMvrBi0_s1BFCmu1viDlUkJDqBggNAhMWE/rs:fill:0:0:1/w:400/h:400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS9iN2My/NTUyZmI0OGQ3YTdm/ZDg2MzdkNWJhOGM2/YjI1ZS5wbmc.webp","thumbnail_width":300,"thumbnail_height":300}