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

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:[e-mail]

 

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

 

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