Ep 142 Creative Finance Full Playbook | Vaughn Bethell

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 buyers

Sponsored 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

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[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