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The Private Lending Playbook: How Secured Real Estate Notes Generate Predictable Monthly Cash Flow

A deeper look at how private mortgage notes work, how lenders are protected, and what the math actually looks like.

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19 pages, real numbers, no fluff

1

How the note structure works step by step from property sourcing through closing at the title company to monthly payments arriving

2

What a first-position lien actually protects you from plus title insurance, property insurance, and loan-to-value ratios

3

A sample deal breakdown with real numbers purchase price, interest rate, monthly payment, total return over the life of the note

4

How to hold notes inside a self-directed IRA using retirement funds for tax-deferred or tax-free lending income

5

The risks and honest trade-offs illiquidity, foreclosure timelines, no FDIC insurance, and why that transparency matters

"I was like, 'It's real.' I was excited. And then just seeing it come through like clockwork every month is very nice. It's comforting, knowing that it's going to be coming."
Melissa S., Private Lender
Dan Wilson

Written by Dan Wilson

Real estate investor, former Air Force officer (14 years), founder of Earn With Homes. Over 100 closed transactions in Ohio and Missouri. Dan writes about retirement income, private lending, and building cash flow from real assets.

See how the numbers actually work

The guide is free. 19 pages, no fluff, no pitch.

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