This document discusses investing in seller-financed real estate notes as an alternative to investing in the stock market. Seller-financed notes offer returns from 5-10%, monthly stability from borrowers' payments, and security since the notes are backed by real estate assets. Investors can choose to purchase whole notes or partial notes (just a portion of payments), with whole notes offering higher yields but more involvement and partial notes being lower risk. The document provides examples of notes and partial note investments. Overall, the document promotes investing in seller-financed notes as a way to achieve returns with greater stability compared to the stock market.

1. NOTE INVESTING
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2. Market
$91 BILLION LOST
OUT OF STOCK
MARKET IN 2 DAYS
STOCK MARKET YOUR MONEY
Where is it going?
September 29, 2008
Market Crashes
X
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3. Past Year
Forever
Stock Market Volatility
Creates Anxious Money
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4. www.DistressedVolatility.com
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What’s Next??
Stock Market Fears

5. Do You Want to Feel Like This at 50+?
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6. What do you want in an investment in 2016?
• Return- growth competitive with long-term
stock investing
• Stability- predictability of monthly payments
• Security- backed by solid asset
• Security- backed by experience
• Security- doesn’t go away if the economy
tanks or you do (and we all do)
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7. Seller-financed note investing does all this
and more!
• Return- Range of yields based on details of specific investments, but range
from 5% on a short-term front-end partial to greater than 10% on a 20-30
year performing note.
• Stability- payments made by the buyer of real estate, occupant, pay history
and emotional equity.
• Security- backed by real estate. You become the bank in this investment
and are secured by the full value of the collateral (the borrower’s house).
• Security- in partnership with Equity Funding of Washington, LLC-
experience real estate investors since 2003.
• Security- people will always need a place to live, even when the economy
tanks and you pass ownership of the note in your estate.
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©️2016, Equity Funding of
Washington, LLC

8. What is a Note?
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9. Loan Amount:
$100,000
Term: 390 mos.
Payment: $878
TERMS OF AGREEMENT:
Interest Rate: 10%
Signed:
Home Buyer
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10. Buyer Seller
Down Pmnt:
$10,000
$100,000
Note
Mortgage
Lender
Loan:
$100,000
Total Purchase Price:
$110,000
Investor
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11. Joe LaCount
Rogers, MN
Note Investor
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12. Current Market Value:
$42,000
Case Study: #1
Ocala, FL
Manufactured Home – Double-wide with Land
3Bed/2Bath, 1,368 Sq Ft.
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13. Value$42,000
The Property
Secured
by the Property
MORTGAGE NOTE
Original Loan Amnt:
$33,000
Interest Rate: 10%
Term: 240 months
Monthly Pmnt: $318.46
MORTGAGE NOTE
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14. JAN FEB MAR APR MAY JUNE JULY AUG SEP OCT NOV
$64,554203 Times =
Effective Annual Interest = 10%
MORTGAGE NOTE
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15. You can buy either the whole note or a partial
• Why buy an entire note?
• Higher yield
• More involvement/control/work?
• Longer term
• More upside if things go wrong
(foreclosure, rental property, etc.)
• Why buy a partial?
• Lower investment to value ratio
(ITV)- more headroom.
• Equity Funding of Washington
makes our profit after you get all
your payment stream. We’re behind
you and watching constantly to make sure our
(that’s right, OUR) borrower is paying and
ready to fix it if you want us to.
• Less “involvement” or worry or
WORK.
• Great yield- 5-10%
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16. Buy Long Term (203 Pmts)
Sell Front (120 Pmts)
Held By Seller
Motivated to be Paid Remaining 83 Pmts
Front–End Investor Pays
$24,063
10% Annual Interest
Seller “Backs”
The Front-End Investor
Collects 120 x $381
= $38,160
Entire Note
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17. 120 Pmts
Partial Purchase—amortization schedules
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18. Partial Investor Gets = $14,984
Plus $318 x 60 mos = $19,080
$34,064
$26,673
$14,984
5 yrs
Interest = 10%
Early Payoff or Default
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19. You can buy either the whole note or a partial
• Why buy an entire note?
• Higher yield
• More involvement/control?
• Longer term
• More upside if things go wrong
(foreclosure, rental property, etc.)
• Why buy a partial?
• Equity Funding of Washington
makes our profit after you get all
your payment stream. We’re
behind you and watching
constantly to make sure our (that’s
right, OUR) borrower is paying and
ready to fix it if you want us to.
• Less “involvement” or worry
• Great yield- 5-10%
www.EquityFundingofWashington.com ©️2016, Equity Funding of Washington, LLC

20. Seller-financed note investing does all this
and more!
• Return- Range of yields based on details of specific investments, but range
from 5% on a short-term front-end partial to greater than 10% on a 20-30
year performing note.
• Stability- payments made by the buyer of real estate, occupant, pay history
and emotional equity.
• Security- backed by real estate. You become the bank in this investment
and are secured by the full value of the collateral (the borrower’s house).
• Security- in partnership with Equity Funding of Washington, LLC-
experience real estate investors since 2003.
• Security- people will always need a place to live, even when the economy
tanks and you pass ownership of the note in your estate.
www.EquityFundingofWashington.com
©️2016, Equity Funding of
Washington, LLC

21. Questions?
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22. Other Topics
• Tax-Advantaged investing through your Self-
Directed IRA
• Performing vs Non-performing Notes
• Partials (buy just the front-end of a
Performing Note)
• Non-performing Notes as your response
to the Mortgage Crisis
• Note Manufacturing- Selling Property with
Seller Financing