Ep 142 Creative Finance Full Playbook | Vaughn Bethell

26/09/2025 50 min

Listen "Ep 142 Creative Finance Full Playbook | Vaughn Bethell"

Episode Synopsis

On this episode of the Real Estate Notes Show, hosts Dave Putz (JKP Holdings) and Nathan Turner (Earnest Investing) sit down with Vaughn Bethell, who moved from wholesaling to building compliant, cash-flowing seller-financed notes—while helping families become homeowners. He breaks down exactly how he finds properties, underwrites borrowers, and structures notes that hold value (and stand up in court).✨ Key Takeaways🧭 Vaughn’s “Pathway to Homeownership” playbook: find → underwrite → service → chase the refi📊 Deal box: ≥ $50k equity spread, 2% rate spread over cost of capital, $500+/mo cash flow💸 Typical terms: 10–12% interest, 30-year amortization, 15–20% down, P&I near market rent⚖️ Compliance that protects note value: ATR/RMLO, third-party servicing, escrow for T&I🚫 Common killers: interest-only to owner-occ, short balloons, DIY servicing, sloppy files🌎 Demand engine: community-driven marketing (Facebook groups), trust-first outreach to Latino buyersSponsored by Call The Underwriter. Visit calltheunderwriter.com/jkp to download your free Seller-Finance Deal Toolkit. To obtain this week's Real Estate Notes Show guest Vaughn Bethell's information, use this link https://bit.ly/3VUSgSe**Never Miss a Live Show**, Add our Calendar to yours! Google - https://bit.ly/3Djr8GL Apple/Outlook - https://bit.ly/3Dhj9tyWe Buy Notes go to our site for more information! FAQs and Submit Your NoteWatch this video on Youtube: Watch VideoOur new Website Updated Tools, Resources, Bid Calculator, Education and over 100 assets for sale: ⁠https://www.jkpholdings.com/note-investor-education⁠Youtube Channel: https://www.youtube.com/c/JKPholdingsllc?sub_confirmation=1Upcoming Live Webinars: https://www.jkpholdings.com/webinarsDME (Diversfied Mortgage Expo) Note Conference Video Recordings - ⁠PurchaseSOCIAL MEDIAFB Group: https://www.facebook.com/groups/EastCoastDistressedNoteInvesting/Facebook: https://www.facebook.com/JKPHoldings/Linkedin: https://www.linkedin.com/company/jkp-holdings-llc#noteinvesting #mortgagenotes #investor #mortgagenote #realestate #realestateinvestor[00:00:00] Show Intro and Guest Update[00:07:13] Meet Vaughn and His Mission[00:11:08] Biggest Mistakes Starting Out[00:14:13] Shifting Into Seller Finance[00:18:11] Finding Properties With Marketing[00:22:09] Setting Borrower Rates Explained[00:26:18] Key Numbers Driving Every Deal[00:30:19] Down Payments and Buyer Skin[00:33:31] Facebook Groups for Borrowers[00:36:16] Compliance and Note Underwriting[00:39:52] Why Third-Party Servicing Matters[00:41:14] First Foreclosure Case Study[00:43:17] Should Investors Do Seller Finance?[00:45:27] Selling Notes and Partials Strategy[00:47:48] Structuring 30-Year Mortgage Notes[00:49:46] Future of Note Investing Market[00:50:36] Closing Thoughts and After Hours

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