[et_pb_section fb_built=”1″ _builder_version=”4.16″ custom_padding=”3px||0px|||” global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ custom_margin=”2px|auto||auto||” custom_padding=”14px||21px|||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_image src=”https:\/\/noteschool.com\/wp-content\/uploads\/2021\/05\/NoteSchool_Logo_Print-1-14.jpg” title_text=”Print” align=”center” admin_label=”Image” _builder_version=”4.16″ _module_preset=”default” width=”16%” width_tablet=”45%” width_phone=”” width_last_edited=”on|phone” custom_margin=”-3px|||||” custom_margin_tablet=”-17px||-6px||false|false” custom_margin_phone=”-17px||||false|false” custom_margin_last_edited=”on|tablet” custom_padding=”9px|||||” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.19.2″ background_color=”#242424″ min_height=”100px” custom_padding=”45px||45px||true|” global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ _module_preset=”default” custom_padding=”0px||0px||true|” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/noteschool.com\/wp-content\/uploads\/2021\/06\/NSTV-1.png” title_text=”NoteSchool TV” _builder_version=”4.16″ _module_preset=”default” width=”50%” max_width=”50%” module_alignment=”center” custom_margin=”-16px|||||” custom_padding=”||0px|||” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.16″ _module_preset=”default” min_height=”618px” custom_padding=”0px||1px|||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_video src=”https:\/\/www.youtube.com\/watch?v=6p93qAUdf9A&t=33s” thumbnail_overlay_color=”RGBA(0,0,0,0)” _builder_version=”4.25.1″ _module_preset=”default” min_height=”593px” custom_padding=”0px||7px|||” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″][\/et_pb_video][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.17.3″ _module_preset=”default” min_height=”163.6px” custom_padding=”54px|14px||14px||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.17.3″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.25.1″ _module_preset=”default” min_height=”149px” custom_padding=”||13px|||” hover_enabled=”0″ inline_fonts=”ABeeZee,Times New Roman,Proxima Nova Regular,Alumni Sans Pinstripe,Alternate Gothic No 2 Bt” global_colors_info=”{}” sticky_enabled=”0″]<\/p>\n
With all the super-qualified people at NoteSchool we could have chosen to explain how to use money from a self-directed IRA to fund your note deals, one name instantly rose to the top. And the person\u2019s last name is \u201cSpeed.\u201d But it\u2019s not Eddie. It\u2019s Martha. You may have heard her speak at NoteExpo and lots of other events. (If you haven\u2019t heard her speak, you\u2019ve really missed out on some great learning.) She\u2019s been such a successful pioneer in teaching this lucrative niche of note investing that we call it the \u201cMartha Model.\u201d It\u2019s the perfect way to build your family\u2019s financial legacy. Watch this episode, and you\u2019ll be an instant member of the Martha Fan Club.<\/span><\/p>\n GUEST INTRO:<\/strong><\/span><\/p>\n Martha Speed is in Investor Relations with Colonial Funding Group, LLC, and is a frequent speaker at NoteExpo and other prestigious real estate conferences nationwide. She provides access to inventory for individual investors seeking the Safe & Secure, wealth-building benefits of adding performing real estate notes to their investment portfolios. She works with passive investors helping them to diversify their portfolios and deploy idle capital. Many of her investors are moving from active investments, such as rental properties, to a more passive investment still providing secured monthly cash flow.<\/span><\/p>\n Today, Martha is capitalizing on the enormous opportunity of buying performing Real Estate secured notes with money from self-directed retirement accounts. In fact, she calls it one of the best investment vehicles in Real Estate. Structuring note transactions for the passive investor to buy the front end cash flow allows investors to build a solid monthly cash flow for their retirement accounts, creating generational wealth passively, without the hassles and risks of dealing with tenants and the rising cost of repairs.<\/span><\/p>\n These savvy investors are enjoying the security, reliable cash flow, and growth from this partnership. And you can, too. Martha Speed has the background, experience, knowledge and insight to partner with you for a profitable, secure future\u2014for yourself and for your family.<\/span><\/p>\n \u00a0<\/strong><\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/noteschool.com\/wp-content\/uploads\/2021\/08\/NSTV-2-2.jpg” alt=”NoteSchool TV eBook” title_text=”NoteSchool TV eBook” url=”https:\/\/noteschool.isrefer.com\/go\/NSTV\/NSM\/” url_new_window=”on” _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.16″ _module_preset=”default” position_origin_f=”center_center” custom_padding=”0px|||||” sticky_limit_bottom=”body” motion_trigger_start=”top” global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ _module_preset=”default” custom_padding=”0px|||||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/noteschool.com\/wp-content\/uploads\/2021\/10\/Picture4.png” title_text=”Picture4″ align=”center” _builder_version=”4.16″ _module_preset=”default” custom_margin=”-10px||-10px||false|false” global_colors_info=”{}”][\/et_pb_image][et_pb_text _builder_version=”4.16″ _module_preset=”default” text_font=”|700|||||||” text_text_color=”#000000″ text_font_size=”24px” text_line_height=”1em” header_text_color=”#000000″ header_line_height=”1.1em” header_2_text_color=”#000000″ header_2_font_size=”24px” header_2_line_height=”1.3em” text_orientation=”center” module_alignment=”center” custom_margin=”||-16px|||” global_colors_info=”{}”]<\/p>\n [\/et_pb_text][et_pb_image src=”https:\/\/noteschool.com\/wp-content\/uploads\/2021\/10\/Circle-Testimonials-1-150×150.png” title_text=”Circle Testimonials (1)” align=”center” _builder_version=”4.16″ _module_preset=”default” custom_margin=”-62px||-168px||false|false” custom_padding=”0px||0px||false|false” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.16″ _module_preset=”default” custom_padding=”26px||11px|||” global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.24.1″ _module_preset=”default” custom_padding=”3px|||||” link_option_url=”https:\/\/www.youtube.com\/watch?v=0jGGf8wMbsY” link_option_url_new_window=”on” global_colors_info=”{}”]<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.16″ _module_preset=”default” custom_margin=”-23px|auto||auto||” custom_padding=”16px||0px|0px||” border_color_all=”#000000″ global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.25.0″ text_font=”Proxima Nova Regular||||||||” text_text_color=”#444444″ text_font_size=”18px” text_line_height=”1.3em” min_height=”55px” custom_margin=”0px|||||” custom_padding=”||4px|0px||” link_option_url=”https:\/\/www.youtube.com\/watch?v=F3fH79U1Oeg” inline_fonts=”Proxima Nova Regular” global_colors_info=”{}”]<\/p>\n In today\u2019s April Market Update, you\u2019ll notice there are basically two categories of real estate investments: Notes; and everything else. You\u2019ll also notice a stark contrast between the results for each of those two categories. Note investors will like what they see. As for everybody else, we encourage you to become a note investor!<\/p>\n In this end-of-the-month round-up of real estate numbers, Eddie Speed and Joe Varnadore take you through dozens of slides with up-to-the-moment information on multiple segments of the industry.<\/p>\n Some of the highlights you\u2019ll be seeing include:<\/p>\n Spend the next 45 minutes with Eddie and Joe, and you\u2019ll realize why today\u2019s math is clearly pointing to creative financing and note investing.<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.17.6″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.17.6″ _module_preset=”default” global_colors_info=”{}”][et_pb_video src=”https:\/\/www.youtube.com\/watch?v=cKUvKCgPf64″ _builder_version=”4.25.0″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_video][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.16″ _module_preset=”default” custom_padding=”13px||0px|||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.21.0″ text_font=”Proxima Nova Regular||||||||” text_text_color=”#444444″ text_font_size=”18px” text_line_height=”1.3em” min_height=”247.1px” custom_margin=”0px||1px|||” custom_padding=”1px||20px|||” inline_fonts=”Proxima Nova Regular” global_colors_info=”{}”]<\/p>\n <\/p>\n Since 1980, Eddie Speed has dedicated his life to the note industry and to expanding the benefits of creative seller financing for both sellers and buyers. Throughout his career he has introduced innovative ideas and strategies that have revolutionized the industry. He teaches these techniques through NoteSchool, the training school he founded in the early 2000s. His training has helped thousands of real estate professionals, both realtors and investors, expand their business model; showing them how to close more deals, increase their earnings, build long term wealth, and think like entrepreneurs. A substantial number of \u201cA\u201d list real estate<\/p>\n professionals rely on Eddie\u2019s for guidance on their creative financing strategies. Eddie has personally closed around 50,000 creative finance transactions, and his unique industry vantage point has allowed him to review close to half a million note deals. When it comes to creative financing and notes, it\u2019s safe to say he\u2019s seen it all but remains committed to lifelong learning.<\/p>\n Joe Varnadore invested in his first property at the age of 19, and knows the importance of using creative financing to make deals work. He has created and brokered more than $30 million in note transactions on residential and commercial properties. As an author, speaker, and trainer for the past 25 years, he believes that there has never been a greater opportunity for real estate investors to use non-performing notes to acquire properties.<\/p>\n www.noteschool.com<\/span><\/a><\/p>\n https:\/\/noteexpo.com\/<\/span><\/a><\/span><\/p>\n [\/et_pb_text][et_pb_button button_url=”https:\/\/noteschool.isrefer.com\/go\/NSTV\/NSM\/” url_new_window=”on” button_text=”DOWNLOAD THE NEW eBOOK NOW!” button_alignment=”center” _builder_version=”4.16″ _module_preset=”default” custom_button=”on” button_icon=”5||divi||400″ custom_margin=”||8px|||” global_colors_info=”{}”][\/et_pb_button][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.16″ _module_preset=”default” custom_padding=”||0px|||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n [\/et_pb_text][et_pb_text _builder_version=”4.25.0″ text_font=”Proxima Nova Regular||||||||” text_text_color=”#444444″ text_font_size=”18px” text_line_height=”1.3em” custom_margin=”0px||1px|||” custom_padding=”45px||28px|||” inline_fonts=”Proxima Nova Regular” global_colors_info=”{}”]<\/p>\n 1:45 Joe Varnadore introduces Eddie Speed. Eddie Speed says there\u2019s now a huge inventory of notes hitting the market. When banking is good, note inventory goes down. When banking is hurting, inventory goes up.<\/p>\n 3:30 Housing Market: U.S. housing market overview reveals median home price is $420K+, which is up 4.8% YoY, number of homes sold is down 10%. It\u2019s all affected by price point and rates.<\/p>\n 5:50 Top 10 metros in the U.S. with the fastest growing sales price: 1. Cleveland 2. Birmingham 3. Boca Raton.<\/p>\n 6:15 U.S. housing supply shows 1.5+ million homes listed, up 3.8% YoY. (2 million is the norm.) There is a 2-month supply, with average 40 days on market. Supply never outruns affordability.<\/p>\n 9:25 Homebuyer housing payments +10.6% YoY for median asking price.<\/p>\n 10:45 Homebuilder stocks tumble as housing starts fall by 14.7%: \u201cA poor time to buy a home\u201d says economist. Housing starts in March 2024 decreased 14.7% MoM. Northeast down 36%, but in the West, housing starts are up 7.1%.<\/p>\n 11:35 How are capital gains taxes affecting U.S. homeowners? In 2023, nearly 8% of homes sold exceeded the $500K capital gains tax threshold. These are perfect candidates for seller financing!<\/p>\n 13:36 Banks: 30-year fixed mortgages are rising, now at 7.44%<\/p>\n 15:10 Average rates show 30-year fixed APR is 7.609%. 15-year is 7.084%.<\/p>\n 17:27 The Fed is poised to hold interest rates steady\u2014here\u2019s what that will do to mortgage rates. (They could be edging back up to 8% because inflation is still high.) The Fed\u2019s rates are now at a 23-year high.<\/p>\n 17:30 Nearly 50 million Americans are now \u201csubprime borrowers\u201d forced to take higher interest loans and credit cards (if they can get them). Number of people with excellent credit are shrinking.<\/p>\n 19:55 Commercial & Multi-Family: Multi-family housing market will decline in 2024. Multi-family starts are down 14% YoY, and expected to reach -20% in 2024. This puts negative pressure on rent growth.<\/p>\n 21:30 It\u2019s another month of negative multi-family rent growth in March according to Apartment List\u2019s newest rent report. Median rent is down 3.5% since peak in summer of 2023. But expenses have NOT gone down.\u00a0<\/p>\n 22:27 Capital constraints a \u201cforced pause\u201d on multi-family development. Traditional lenders are withdrawing from this market segment.<\/p>\n 26:45 Commercial real estate foreclosures jumped 117% in March as trouble looms. Eddie says lots of loans are falling behind but not yet officially in default, so there\u2019s a big train coming down the tracks.<\/p>\n 28:05 Are the trees growing to the sky? A year ago, multi-family was doing well, but not now. \u201cWe sell generators, and there\u2019s a hurricane coming.\u201d<\/p>\n 29:02 Non-Performing Loans: Fannie Mae announces sale of reperforming loans. They\u2019ve offered appx. 6,507 loans (a drop of water in the desert).<\/p>\n 29:37 Freddie Mac announces $120 million non-performing loan sale.<\/p>\n 30:20 Is time the enemy of equity for chronically distressed homeowners?<\/p>\n 30:57 Delinquent & in-foreclosure forbearance exits. Average today is about 1,000 days. The chart shows the period when lenders were not allowed to foreclose. Everything is now coming to a head. Lenders are going to be offloading lots and lots of bad loans.<\/p>\n 34:50 Loan counts and average days delinquent. Total active count is 53,135,417. Average days delinquent is 1,014. Total loans delinquent is almost 2 million.<\/p>\n 35:50 Different cycles, different opportunities. To summarize, today\u2019s cycle offers more money for seller financing a rental property instead of renting it. Today\u2019s math strongly favors seller financing for better monthly cash flow.<\/p>\n 41:40 Creative financing fills the gap. Conventional lending doesn\u2019t. There are huge numbers of penalty box buyers who can be helped by creative financing.<\/p>\n 43:30 Joe closes with a reminder to watch next week\u2019s episode with a great guest. To learn more about note investing, go to: NoteSchool.com\/TV<\/p>\n [\/et_pb_text][et_pb_button button_url=”https:\/\/www.youtube.com\/watch?v=M-E0PSNe0TU” url_new_window=”on” button_text=”WATCH EDDIE SPEED’S STORY HERE” button_alignment=”center” _builder_version=”4.16″ _module_preset=”default” custom_button=”on” button_icon=”5||divi||400″ custom_margin=”||8px|||” global_colors_info=”{}”][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.16″ background_color=”#171717″ background_enable_image=”off” custom_margin=”-12px||-3px|||” custom_padding=”20px||23px|||” locked=”off” global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ _module_preset=”default” custom_padding=”1px||0px|||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/noteschool.com\/wp-content\/uploads\/2021\/08\/StreamYard-Background-4.jpg” alt=”NoteSchool TV eBook” title_text=”NoteSchool TV eBook” url=”https:\/\/noteschool.isrefer.com\/go\/NSTV\/NSM\/” url_new_window=”on” _builder_version=”4.16″ _module_preset=”default” custom_padding=”51px|||||” global_colors_info=”{}”][\/et_pb_image][et_pb_button button_url=”https:\/\/noteschool.isrefer.com\/go\/NSTV\/NSM\/” url_new_window=”on” button_text=”DOWNLOAD THE NEW eBOOK NOW!” button_alignment=”center” _builder_version=”4.16″ _module_preset=”default” custom_button=”on” button_icon=”5||divi||400″ custom_margin=”||51px|||” global_colors_info=”{}”][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”3.27.4″ background_color=”#000000″ custom_margin=”-3px|||||” custom_padding=”65px||8px|||” global_module=”576″ global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ disabled_on=”on|on|off” _builder_version=”4.16″ width=”86%” max_width=”1383px” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_image src=”https:\/\/noteschool.com\/wp-content\/uploads\/2019\/10\/NoteSchool_Logo_white.png” url=”https:\/\/noteschool.com\/” url_new_window=”on” _builder_version=”4.16″ width=”48%” width_tablet=”49%” width_phone=”58%” width_last_edited=”on|desktop” global_colors_info=”{}”][\/et_pb_image][et_pb_text _builder_version=”4.20.2″ text_font=”Fira Sans Regular||||||||” text_text_color=”#ffffff” text_font_size=”16px” link_text_color=”#ffffff” custom_margin=”45px|||||” global_colors_info=”{}”]<\/p>\n Let\u2019s Start the Conversation<\/strong>\u00a0 \u00a0 <\/em>|\u00a0 \u00a0\u00a0info@NoteSchool.com<\/a><\/em><\/p>\n [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ text_font=”Fira Sans Regular||||||||” text_text_color=”#ffffff” text_font_size=”16px” link_text_color=”#ffffff” custom_margin=”22px|||||” global_colors_info=”{}”]<\/p>\n TERMS & CONDITIONS<\/a>\u00a0 \u00a0 \u00a0|\u00a0 \u00a0 \u00a0PRIVACY<\/a><\/strong><\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.16″ global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.20.2″ text_font=”Fira Sans Regular||||||||” text_text_color=”rgba(255,255,255,0.7)” text_font_size=”16px” link_text_color=”#ffffff” custom_margin=”-3px|||||” global_colors_info=”{}”]<\/p>\n \u00a9 2023 NoteSchool.<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":" With all the super-qualified people at NoteSchool we could have chosen to explain how to use money from a self-directed IRA to fund your note deals, one name instantly rose to the top. And the person\u2019s last name is \u201cSpeed.\u201d But it\u2019s not Eddie. It\u2019s Martha. You may have heard her speak at NoteExpo and lots of other events. (If you haven\u2019t heard her speak, you\u2019ve really missed out on […]<\/p>\n","protected":false},"author":27,"featured_media":24737,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-template-blank.php","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"yoast_head":"\n\u201dI look at Eddie and the NoteSchool team as my board of directors. Having them there to answer your questions is invaluable and expedient to have that type of knowledge at my fingertips\u201d<\/h3>\n
– Joe LaCount<\/strong><\/em><\/h2>\n
Eddie Speed’s April End-Of-Month Market Update
<\/b><\/h1>\n\n
TIME STAMPS <\/strong><\/h1>\n
for Monthly Update:<\/strong><\/h1>\n