{"version":1,"type":"rich","provider_name":"Libsyn","provider_url":"https:\/\/www.libsyn.com","height":90,"width":600,"title":"298 - The Hidden Real Estate Strategy No One Talks About: Seller Finance Notes Explained","description":"298 - The Hidden Real Estate Strategy No One Talks About: Seller Finance Notes Explained What if the biggest opportunities in real estate aren\u2019t in flipping houses\u2026 but in buying paper? In this eye-opening conversation, Will Harvey breaks down the hidden world of seller finance notes, hard money lending, and how savvy investors are capitalizing on valuation gaps between public and private markets. If you\u2019ve ever felt stuck relying on traditional flips or unpredictable buyers, this episode reveals a smarter way to create consistent returns. Will shares the real strategies he uses through Harvey Capital, from evaluating borrowers and underwriting conservative ARV projections to structuring deals with strong exit strategies like DSCR loans. You\u2019ll also learn how note investing works, why buying seller finance notes can generate passive income without owning property, and how partial note purchases create win-win liquidity opportunities. This episode is packed with practical insights from real deals, including lessons from house hacking, hard money lending, multifamily investing, and transitioning from operator to finance-focused investor. If you're a real estate investor navigating today\u2019s uncertain market, looking for creative financing strategies, or wanting to shift toward passive income, this conversation is essential listening. Whether you're flipping houses, building rental portfolios, or exploring note investing for the first time, these insights could help you reduce risk, improve deal analysis, and unlock new income streams right now. 5 Powerful Takeaways \u2022 How focusing on borrower quality and exit strategy can dramatically reduce lending risk and protect your capital \u2022 Why conservative ARV calculations can make or break your flip, even when everything else goes wrong \u2022 How seller finance note investing creates passive income without owning or managing property \u2022 The power of partial note purchases to generate liquidity for sellers while creating yield for investors \u2022 A simple strategy to strengthen your credibility with lenders by presenting a clear refinance or DSCR exit plan About the Guest Will Harvey is the founder and principal of Harvey Capital, a real estate investment firm focused on active and passive strategies across both private and public markets. He has hands-on experience in house flipping, hard money lending, multifamily investing, hospitality assets, and seller finance note acquisitions. After transitioning from operator to finance-focused investor, Will now specializes in identifying valuation disconnects and structuring capital solutions. His real-world background allows him to evaluate deals from both the borrower and lender perspective. Through Harvey Capital, he focuses on short-term lending, note investing, and helping investors access capital with strong risk management. Will brings practical, numbers-driven insight rooted in real transactions. Resources & Websites Mentioned \u2022 https:\/\/harveycapital.com \u2022 mailto:will@harveycapital.com   00:00 Show Intro 00:57 Mindset Bestowment 01:46 Five Mindset Shifts 03:42 Badass Bottom Line 04:15 Meet Will Harvey 05:50 Will Origin Story 07:01 From Mortgages to Rentals 09:23 Pivot to Finance Side 10:46 House Hacking Question 12:52 Borrower vs Deal Filters 15:41 What Makes Good Borrower 20:58 Deal Math for Flips 23:14 Underwriting Red Flags 25:58 Exit Strategy DSCR Loans 27:18 Proving Refi Plan 28:42 Seller Notes Explained 29:30 How Notes Get Created 32:48 Buying Paper For Cash 35:04 Discounts And Underwriting 35:58 Partial Note Purchases 37:37 Sourcing Notes And States 40:03 Pricing Notes Basics 42:12 90 Day Learning Plan 43:33 Borrower Tips For Lenders 45:26 Investing In The Fund 46:21 Badass Book Pick 47:39 Advice Action Wins 48:55 Drive Faith And Family 49:35 Aspiration Using AI 51:32 Systems Morning Routine 53:02 Success Being Present 54:03 Final Contact And Wrap   \ud83d\udd17 Learn More & Connect with Jen Josey:https:\/\/www.therealjenjosey.com \u2013 Real estate investing resources, podcast episodes, and more. \ud83d\udc51 Join the REIGN Mastermind:https:\/\/www.reignmastermind.com \u2013 Network with real estate investors nationwide. \ud83d\udd25 Stuff Jen Josey Loves (Recommended Tools & Resources):https:\/\/www.reignmastermind.com\/resources \u2013 Handpicked tools, books, and services for real estate investors. \ud83d\udcda Buy Jen Josey\u2019s Book: From Beginner to Badasshttps:\/\/a.co\/d\/bstKlby \u2013 Step-by-step guide to real estate investing success. ","author_name":"Real Estate Investor Growth Network Podcast","author_url":"http:\/\/www.reignmastermind.com","html":"