Lending & notes
Being the bank: hard money lending, note investing, and earning real estate returns without owning a toilet.
3 pieces, ordered by horizon
Y7Note investing and private lending: the complete map of real estate paperPrivate lending, performing notes, partials, tax liens, note creation, brokering, hypothecation — every way to own the payment stream instead of the property, and the lien-position discipline that keeps lenders safe.Roadmap10mY7Private money lending: writing your first loan to a flipper10–13% plus points, secured in first position with a third of equity beneath you — the practical playbook for lending to rehabbers: underwriting, paperwork, servicing, and the five mistakes that turn lenders into landlords.Deep dive6mY8Note investing and hard money lending: real estate returns without owning a toiletBeing the bank: how private lending and mortgage notes work, the yields, the underwriting that keeps you safe, and why lenders sleep better than landlords.Deep dive5mMore in Cashflow
House hackingLiving in the deal — the lowest-risk first door there is, and the financing order that keeps your next two purchases possible.Single-family rentalsThe boring backbone: buying, underwriting and holding SFRs that clear their debt service at honest numbers.Small multifamilyDuplex to fourplex and up to the five-unit line where everything changes: lending, insurance, and your weekends.Short & mid-term rentalsSTR and MTR as an income multiplier — hospitality operations, regulation risk, and when the extra yield stops being worth the extra job.Operations & managementProperty managers, systems, and the written numbers that turn a pile of doors into a business that runs without heroics.