Full Blog Post: https://retipster.com/originate-land-notes/?utm_source=youtube&utm_medium=social&utm_campaign=blog&utm_content=ojngUgqKcrM I sat down with Eric Scharaga, one of the smartest guys I know when it comes to seller-financed land notes. We discussed a topic that most investors get wrong: how to originate your notes correctly so they’re actually worth something when you go to sell them. We covered everything from loan structure and paperwork to borrower screening, legal compliance, and the exact criteria note buyers are looking for. If you’ve ever sold land with seller financing (or want to), this is a must-watch. 0:00 - Disclaimer 0:19 - Why proper loan origination matters 2:45 - Liquidity issues with seller financing 4:09 - Market value pricing and interest 7:15 - Why credit checks are crucial 9:11 - How to set your interest rate 10:32 - Why I don’t charge prepayment penalties 11:55 - Max loan term for resale value 14:03 - How to think about loan terms 16:09 - Down payments: why 20% matters 18:24 - Why I never do 0% down deals 19:35 - Escrow and handling property taxes 20:49 - Why you need a lender’s title policy 22:26 - Benefits of a loan servicer 23:08 - Don’t lose the original note! 23:29 - Charging a loan fee at closing 25:10 - Clauses to include in your paperwork 28:42 - Why email notices matter 30:05 - Should you use a land contract? 31:09 - Mortgage vs. deed of trust 32:13 - How to find the right lending attorney 33:59 - Loan servicing software vs real servicers 36:33 - The perfect loan file to present to a buyer 37:14 - How to establish land value for resale 39:11 - How to handle the note sale 40:16 - Lender’s policy transferability 41:06 - Why buyer contact info matters 42:27 - Why Eric’s services are a game-changer 45:48 - Closing thoughts + Part 2 teaser *🙋🏻‍♂️ Get the REtipster Newsletter (It's FREE)!* https://welcome.retipster.com/newsletter/?utm_source=youtube&utm_medium=social&utm_campaign=blog&utm_content=ojngUgqKcrM *🚀 Land Investor’s Action Plan (Free 5-Day Course!)* https://welcome.retipster.com/5-day-email-course/?utm_source=youtube&utm_medium=social&utm_campaign=blog&utm_content=ojngUgqKcrM *⚠️ Land Buyer’s Survival Guide (Free 5-Day Course!)* https://welcome.retipster.com/survival-guide/?utm_source=youtube&utm_medium=social&utm_campaign=blog&utm_content=ojngUgqKcrM *👉 10X Your Income from Land Investing* https://welcome.retipster.com/webinar-invite/?utm_source=youtube&utm_medium=social&utm_campaign=blog&utm_content=ojngUgqKcrM *😀 Join the REtipster Forum!* https://forum.retipster.com/?utm_source=youtube&utm_medium=social&utm_campaign=blog&utm_content=ojngUgqKcrM *🛠️ All My Favorite Tools and Resources 🛠️* https://retipster.com/resources/?utm_source=youtube&utm_medium=social&utm_campaign=blog&utm_content=ojngUgqKcrM #landinvesting #selffinancing #notebuying #realestatestrategy #landflipping #realestateinvesting #noteinvesting #landnotes #realestatenotes #REtipster #landdeals #passiveincome #sellerfinancing #selfstorage #realestateportfolio #loanorigination