Welcome back to another episode of the Money Ripples Podcast!
If you’ve ever wanted to invest in real estate but dreaded the headaches that come with property management, today’s episode is a game-changer. I sat down with Eddie Speed, the godfather of note investing, to talk about how you can own real estate-backed assets without dealing with tenants, repairs, or property taxes.
What is Note Investing?
Eddie Speed has been in the real estate industry for over 40 years, specializing in buying and selling seller-financed mortgage notes. Simply put, note investing allows you to step into the shoes of the bank—you own the mortgage instead of the physical property. That means you get paid first before any equity holders, making it a more secure and passive way to invest in real estate.
Banks don’t want to own properties; they want to hold the notes and collect steady payments. Eddie teaches investors how to do exactly that—generating cash flow while avoiding the common headaches of traditional real estate ownership.
Why Note Investing is Booming Right Now
The real estate market is changing. Interest rates have been high, making traditional homeownership less accessible for many buyers. Banks have tightened their lending standards, leaving a huge gap in the market. That’s where note investing shines—it provides an alternative financing solution to deserving buyers who can’t qualify for conventional loans.
This shift has created a perfect storm for note investing. Instead of competing in an overpriced real estate market or dealing with the unpredictability of stocks and crypto, investors are turning to notes for stable, predictable returns.
Key Benefits of Note Investing:
- Passive Income Without Landlord Hassles – You get paid like a bank without the headaches of maintaining properties or dealing with tenants.
- More Security, Less Risk – Unlike stocks or crypto, your investment is backed by real estate, providing a layer of protection.
- Predictable Cash Flow – Borrowers make monthly mortgage payments, creating steady, reliable income streams.
- Control Without Complexity – You can structure deals creatively to maximize your returns while minimizing risk.
What Eddie Speed Teaches About Notes
Eddie has perfected a system for finding and buying high-quality seller-financed notes. He trains investors on how to underwrite these deals properly so they can maximize their returns while keeping their capital safe. He also shares advanced strategies, like leveraging notes to multiply investment potential without putting more money in.
One of the most eye-opening takeaways from this conversation is how notes fit the “best of both worlds” model. If you’re an investor looking for passive income but don’t want to give up all control (like in syndications), note investing offers a sweet spot—it’s passive, yet you still maintain ownership and decision-making power.
Avoiding the Hype – What to Watch Out For
As with any investment, not all deals are created equal. Eddie warns against blindly following trends, like the overhyped “subject-to” financing strategies that many unseasoned investors are chasing right now. While these strategies can work, they require experience and a solid understanding of risk. Instead, he encourages investors to focus on tried-and-true methods that have stood the test of time.
Want to Learn More?
Eddie is offering a free, value-packed two-hour masterclass for our audience. If you want to dive deeper into note investing and see real-world case studies, head over to NoteSchool.com/MoneyRipples to access this exclusive training.
Final Thoughts
If you’re looking for a way to invest in real estate without the hassle, note investing is an incredible strategy to explore. Eddie’s decades of experience show that this isn’t just a passing trend—it’s a proven method for building long-term wealth and financial security.
As always, the key is to take action. Learning is great, but doing is better. So, if this episode resonated with you, start exploring how note investing can work for you. Let’s make 2025 your best financial year yet!
What do you think about note investing? Have you considered it before? Drop your thoughts in the comments below!