How to Profit from a 0% Owner-Financed Note (Real Deal Breakdown)

How to Profit from a 0% Owner-Financed Note (Real Deal Breakdown)

July 9, 2026 · 21 min · Episode 126

About this episode

Dawn Rickabaugh discusses a real-life case study on profiting from a 0% owner-financed note.

In this episode of Property & Paper Live, Dawn Rickabaugh walks through a real-life partial note purchase involving a unique church property financed at 0% interest. Using actual numbers, she demonstrates how investors can create strong yields through properly structured partials—even when the underlying note carries no interest. Along the way, Dawn explains how she solved a seller's urgent cash-flow problem, discusses underwriting considerations, and illustrates why understanding amortization and deal structure is far more important than simply looking at the note's interest rate. It's a practical case study that shows how creative note investing can create win-win financial solutions for everyone involved.

People in this episode

Host: Dawn Rickabaugh

Topics covered

Mentioned in this episode

Organizations: Property & Paper Live

Places: church property

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