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298 - The Hidden Real Estate Strategy No One Talks About: Seller Finance Notes Explained

Real Estate Investor Growth Network Podcast

Release Date: 04/06/2026

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298 - The Hidden Real Estate Strategy No One Talks About: Seller Finance Notes Explained

What if the biggest opportunities in real estate aren’t in flipping houses… 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’ve 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’ll 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’s 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

• How focusing on borrower quality and exit strategy can dramatically reduce lending risk and protect your capital
• Why conservative ARV calculations can make or break your flip, even when everything else goes wrong
• How seller finance note investing creates passive income without owning or managing property
• The power of partial note purchases to generate liquidity for sellers while creating yield for investors
• 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

https://harveycapital.com
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
 

🔗 Learn More & Connect with Jen Josey:
https://www.therealjenjosey.com – Real estate investing resources, podcast episodes, and more.

👑 Join the REIGN Mastermind:
https://www.reignmastermind.com – Network with real estate investors nationwide.

🔥 Stuff Jen Josey Loves (Recommended Tools & Resources):
https://www.reignmastermind.com/resources – Handpicked tools, books, and services for real estate investors.

📚 Buy Jen Josey’s Book: From Beginner to Badass
https://a.co/d/bstKlby – Step-by-step guide to real estate investing success.