Podcast appearances and mentions of paige panzarello

Life happens, so you have to be ready for it. A significant life event can turn your life around, but the good news is you can do something today so you won't worry about the future. You have probably heard that non-performing notes can make excellent investments. What do you have to do to get started? Listen to your host Lisa Hylton as she sits down for a conversation with Cashflow Chick Paige Panzarello about building wealth with notes. They discuss the difference between notes and private lending and other vital concepts you need to know. Educate yourself in this episode as Paige shares how to buy non-performing notes, due diligence to perform, and mitigate risks. She also shares the most rewarding parts of being a note investor. Tune in to learn how to control your invested dollars, elevate your life, and create a financial future that you'll be proud of. Love the show? Subscribe, rate, review, and share!Here's How »Join The Level Up REI Podcast Community today:lisahylton.comTwitterInstagramFacebookLinkedInYouTube

ROYAL LEGAL SOLUTIONS Learn how to free your time, protect your assets, and create lasting wealth with asset protection attorney and long-time real estate investor, Scott Royal Smith. When a close friend lost over $3 million in a single lawsuit, Scott decided to leave his litigation practice to help people protect themselves from frivolous lawsuits. His law firm, Royal Legal Solutions, now helps thousands of real estate investors and entrepreneurs protect more than $1.2 billion in assets. Join Scott as he deconstructs the lawsuit game and shows you how to protect yourself and your hard-earned wealth.*********************************************************************************MEET THE HOSTSScott Royal Smith, Esq., CEO, Real Estate Investor. As the founder of Royal Legal Solutions, I am an asset protection attorney and long-time real estate investor in every asset class in 10+ states. My background in litigation and investing uniquely has provided me with insights into how to best use the law for maximum legal advantage while streamlining operations, taxes, and compliance.Megan Templeton, Esq. Megan Templeton is from Birmingham, Alabama. She attended Auburn University and graduated in three years with a Bachelor's in Psychology. While attending Auburn University, Megan was actively involved in the Auburn Honors College and Omega Phi Alpha, a service sorority. Upon graduation from Auburn University, she pursued her Juris Doctorate from Samford University's Cumberland School of Law and her Master's of Public Administration from the University of Alabama at Birmingham. Megan obtained both her JD and MPA in December 2015. Megan's previous law positions have included clerk at the U.S. Attorney's Office of the Northern District of Alabama, manager of a closing and title company, and currently the owner and principal attorney of Iron City Law, a boutique law firm in Birmingham, AL serving small businesses and the real estate community.*********************************************************************************KEY TAKEAWAYSWe were joined this week by Paige Panzarello a.k.a. The Cashflow Chick, who presented her expert insights regarding note investing. Specifically, her niche is first-position nonperforming notes backed by real estate. In this discussion, Paige focused on the due diligence aspect of her business. She explained the steps she personally takes to ensure that an investment she is considering is fiscally sound. Good due diligence will maximize your profit and minimize your risks. A few examples of details Paige gets verified include: property valuationstructure on property and typesquare footage, lot size, number of bedrooms and bathroomsif delinquent taxes are duehas there been a tax saleif there are any existing liens or judgmentsand much more ...Want a refresher or to see what you missed? Watch the replay. REGISTER FOR ROYAL INVESTING and attend LIVE on Zoom, Wednesdays at 11:30 p.m. CST.Ready to go beyond basics and take your education to the next level? Get FREE Access to the Asset Protection Vault. This resource contains our top 5 video Masterclasses and ebooks.*********************************************************************************ENGAGE WITH USAre you ready to take action on Asset Protection, Tax Strategy, or Estate Planning? Take our Financial Freedom Quiz, where we will gather your general information to have a productive conversation. At the end of the quiz, you will have the opportunity to schedule your consultation. https://hubs.la/Q014rfVz0*********************************************************************************DISCORD COMMUNITYhttps://discord.gg/KKS7rZG5kM*********************************************************************************WEBSITE: http://royallegalsolutions.comLINKEDIN: Check out what folks are saying and make a professional connection with Scott Royal Smith https://www.linkedin.com/in/scott-royal-smith/ FACEBOOK: Join our exclusive group to discover the tax, legal, & asset protection secrets every real estate investor needs to know. https://www.facebook.com/groups/495820367909918/

Don't miss this special event from June 10-12.Paige Panzarello is going to teach you how to create consistent, hands off, cash flow through investing in real estate backed notes.To sign up go to Blissfulinvestor.com/NotesLove the show? Subscribe, rate, review, and share! https://blissfulinvestor.com/podcast/

Can you imagine what it's like $20 million dollars just when you're starting to perform well in real estate? Paige Panzarello went through this ordeal in 2007, and it almost ended her real estate career. But now she's bouncing back and she's doing well with passive cash flow. And she's doing it with non-performing notes! Listen to this episode as Paige tells it all to Moneeka Sawyer.Love the show? Subscribe, rate, review, and share! https://blissfulinvestor.com/podcast/

In this episode, Lady Landlords founder, Becky Nova, interviews the Cash Flow Chick, Paige Panzarello, on what Notes are and why you should be buying them. Sign up for the Power of Notes Workshop June 10th- June 12th here: https://www.buildingwealthwithnotes.com/ladylandlord Apply to work with Becky Nova at Lady-Landlords.com

ROYAL LEGAL SOLUTIONS Learn how to free your time, protect your assets, and create lasting wealth with asset protection attorney and long-time real estate investor, Scott Royal Smith. When a close friend lost over $3 million in a single lawsuit, Scott decided to leave his litigation practice to help people protect themselves from frivolous lawsuits. His law firm, Royal Legal Solutions, now helps thousands of real estate investors and entrepreneurs protect more than $1.2 billion in assets. Join Scott as he deconstructs the lawsuit game and shows you how to protect yourself and your hard-earned wealth.MEET THE HOSTSScott Royal Smith, Esq., CEO, Real Estate Investor. As the founder of Royal Legal Solutions, I am an asset protection attorney and long-time real estate investor in every asset class in 10+ states. My background in litigation and investing uniquely has provided me with insights into how to best use the law for maximum legal advantage while streamlining operations, taxes, and compliance.Megan Templeton, Esq. Megan Templeton is from Birmingham, Alabama. She attended Auburn University and graduated in three years with a Bachelor's in Psychology. While attending Auburn University, Megan was actively involved in the Auburn Honors College and Omega Phi Alpha, a service sorority. Upon graduation from Auburn University, she pursued her Juris Doctorate from Samford University's Cumberland School of Law and her Master's of Public Administration from the University of Alabama at Birmingham. Megan obtained both her JD and MPA in December 2015. Megan's previous law positions have included clerk at the U.S. Attorney's Office of the Northern District of Alabama, manager of a closing and title company, and currently the owner and principal attorney of Iron City Law, a boutique law firm in Birmingham, AL serving small businesses and the real estate community.KEY TAKEAWAYSWhat can a real estate investor do when inventory is low and priced too high to be profitable? Consider buying notes instead of property. Notes are the secured debt for an asset. Today's Royal Investing special guest, Paige Panzarello, breaks down her strategy to achieving great success by investing in non-performing, first-position real estate notes.A non-performing real estate note is secured by the equity in the property.You can purchase these notes for anywhere from .38 to .62 cents on the dollar.A 24% increase in foreclosures post-Covid indicates tremendous opportunity in this space.When you buy a note, you become the bank. As the bank, you have complete control over your exit strategy.Depending on how you choose to resolve the note you could experience an excellent return on investment or create ongoing passive income.Want a refresher or to see what you missed? Watch the replay. REGISTER FOR ROYAL INVESTING and attend LIVE on Zoom, Wednesdays at 11:30 p.m. CST.Ready to go beyond basics and take your education to the next level? Get FREE Access to the Asset Protection Vault. This resource contains our top 5 video Masterclasses and ebooks.ENGAGE WITH USAre you ready to take action on Asset Protection, Tax Strategy, or Estate Planning? Take our Financial Freedom Quiz, where we will gather your general information to have a productive conversation. At the end of the quiz, you will have the opportunity to schedule your consultation. https://hubs.la/Q014rfVz0DISCORD COMMUNITY: https://discord.gg/KKS7rZG5kMWEBSITE: http://royallegalsolutions.comLINKEDIN: Check out what folks are saying and make a professional connection with Scott Royal Smith https://www.linkedin.com/in/scott-royal-smith/ FACEBOOK: Join our exclusive group to discover the tax, legal, & asset protection secrets every real estate investor needs to know. https://www.facebook.com/groups/495820367909918/

It's okay if you don't have the knowledge yet, but if you are determined to succeed in the world of real estate, you have to start now and build your portfolio. That's how it happened for Paige Panzarello. Known as the “Cashflow Chick,” Paige has experienced many facets of real estate investing through her 25-year experience as a real estate investor and entrepreneur. She is now focused on note investing, and she sits down for a conversation with Sam Wilson about note investing, why it's good to be the bank, calculating risks, making decisions, and how to have great returns on your money. Love the show? Subscribe, rate, review & share! https://www.brickeninvestmentgroup.com/podcast

It's okay if you don't have the knowledge yet, but if you are determined to succeed in the world of real estate, you have to start now and build your portfolio. That's how it happened for Paige Panzarello. Known as the “Cashflow Chick,” Paige has experienced many facets of real estate investing through her 25-year experience as a real estate investor and entrepreneur. She is now focused on note investing, and she sits down for a conversation with Sam Wilson about note investing, why it's good to be the bank, calculating risks, making decisions, and how to have great returns on your money. Love the show? Subscribe, rate, review & share! https://www.brickeninvestmentgroup.com/podcast

“As long as I learn something, I did not fail and that's a big deal for most people, failure. I'm here to tell you that anyone who is successful in real estate has failed and if they haven't they’re lying. “ -Paige Panzarello   Today I am interviewing Paige Panzarello who is an expert in note investing, works in tax deeds and liens, fix and flips and is also the owner of a residential and commercial construction and acquisition company. Paige, also known as The Cash Flow Chick, has completed over 150 million in real estate transactions and currently focuses on non performing notes, which she teaches at her workshop called Building Wealth Through Notes twice a year. She has been featured on podcasts such as Secrets to Real Estate Investing, the Note Closure Show, Cash Flow Ninja, Real Estate Investor Goddesses and my other podcast show called Ask Christina First. She has presented at my FIBI Pasadena meeting and speaks at other meetings all over the country.    Paige Panzarello: began investing at a very young age when she inherited an estate in Arizona which was at the time 4 million dollars in debt. With no prior real estate education, Paige moved to Arizona and in 3 years was able to bring the estate back. At that time she was managing 38 townhouse units and a sewer treatment plant all before the 2008 crash. During the crash Paige ended up selling everything, paid all of her investors and walked away from that crash with a 20 million dollar loss (one of her greatest lessons to date). Today she focuses on using non performing notes to help people improve their lives for both investors and borrowers.    TOPICS COVERED IN THE EPISODE What are notes and how to use them  People first, profits second  1st position  Note exit strategies  Why you shouldn't buy notes unless you're educated on notes 3 stages of due diligence Why COVID is beneficial for the note business  Bruce Norris 12% Effects of unemployment on the housing market  Will people default  Logistics vs unemployment  What will happen to small businesses Notes check all the boxes Building Wealth with Notes workshop  Listen now and find out how Paige found her Real Estate Breakthrough! The Real Estate Breakthrough Show with Christina Suter is where we talk about the reality of real estate, the mindset you need and the tips and tricks to get you moving forward in investing. Join us every week and learn everything you need to know to invest in real estate education and create real wealth for a lifetime.   Find out more about Paige here:  Website Cashflowchick.com Facebook Paige Panzarello LinkedIN Paige Panzarello Workshop Buildingwealthwithnotes

What is a non-performing note?Difference between non-performing vs. performing notesTips on  how to get a non-performing note to performSteps you need to know in note investingMortgage vs Deed of TrustWhat is “Returns”Average time span of people to get there in investing the fundsTop 3 risks in note investingDetermine your “what if” and “what is”It’s not always about the income but also about the impactPeople first, profit second RESOURCES FROM THIS EPISODE3-days workshop at www.buildingwealthwithnotes.comEmail: info@cashflowchick.comBook directly at Paige’s calendar at www.cashflowchick.com CONNECT WITH USTo connect with Annie and Julie, as well as with other Investing For Good listeners, and to get the latest scoop on new and upcoming episodes, join the Investing For Good Podcast Community on Facebook.To learn more about real estate syndication investment opportunities, join the Goodegg Investor Club.Be sure to also grab your free copy of the Investing For Good book (just pay S&H) or text the word "BOOK" to 41404.

Paige Panzarello was looking for ways to build passive income in the real estate game and discovered an often-overlooked asset class that is related to real estate: Promissory Notes. Today, she leverages her experience founding and running residential and commercial construction and acquisition companies, tax deeds/liens investing, and residential flips into building a non-performing notes business, acquiring over $150 million in real estate transactions to date. In today's episode, Paige shares her real estate journey from losing $20 million and almost quitting to getting back in the real estate game and building more success than before by becoming laser-focused on non-performing notes.

Paige has started and ran multiple real estate investing businesses, and has been investing in real estate for over 20 years! Today Joe and Paige will have a discussion about her entire real estate story, from losing $20 million in cash to getting back in the real estate game and having more success than ever before with non-performing notes. If you enjoyed today’s episode remember to subscribe in iTunes and leave us a review! Best Ever Tweet: “They will focus on assets that are valued over $200,000” - Paige Panzarello Paige Panzarello Real Estate Background:  Real estate investor and entrepreneur for over 20 years Founded and runs her own non-performing note company Completed over $150 million in real estate transactions to date Based in Simi Valley, CA Say hi to her at   Best Ever Book:   Evicting a tenant can be painful, costing as much as $10,000 in court costs and legal fees, and take as long as four weeks to complete.    TransUnion SmartMove’s online tenant screening solution can help you quickly understand if you’re getting a reliable tenant, which can help you avoid potential problems such as non-payment and evictions.  For a limited time, listeners of this podcast are invited to try SmartMove tenant screening for 25% off. Go to and enter code FAIRLESS for 25% off your next screening.

Paige Panzarello is the “Cashflow Chick”. Having been a Real Estate investor and entrepreneur for over 20 years, Paige has experienced many facets of real estate investing. Her experience includes founding and running her own Residential and Commercial Construction and Acquisition companies, Buy and Hold residential and commercial real estate investing, Tax Deeds/Liens Investing, and Fix and Flip (Residential Remodeling), and other forms to name a few. She currently focuses on Non-Performing Notes that she purchases all across the United States. Whether in notes, residential or commercial real estate, in California, Arizona, or nationwide, Paige has been successful in completing over $150 million in real estate transactions to date. In this episode, we talk about: Building wealth even when not everything is lining up Why due diligence is important How to build your dream retirement Learning to be your own bank You can connect with Paige at: http://www.cashflowchick.com FB: CashflowChick IG: @thecashflowchick https://www.linkedin.com/in/paige-panzarello-664417a9 https://twitter.com/Cashflow_Chick

Paige Panzarello is the “Cashflow Chick.” Having been a Real Estate investor and entrepreneur for over 20 years, Paige has experienced many facets of real estate investing. Her experience includes founding and running her own Residential and Commercial Construction and Acquisition companies, Buy and Hold residential and commercial real estate investing, Tax Deeds/Liens, and Fix and Flip, to name a few. She currently focuses on Non-Performing Notes that she purchases all across the United States. Whether in notes, residential or commercial real estate, in California, Arizona, or nationwide, Paige has been successful in completing over $150 million in real estate transactions to date. She has been a regularly featured guest on “The Cashflow Guys” podcast, and you can also find her on the “The Note Closers Show,” “Cashflow Ninja,” “Secrets to Real Estate Investing,” and “Real Estate Investor Goddesses” podcasts, to name a few. Paige is a Founding Member and the Vice President of WREN, the Women's Real Estate Network, which currently has chapters across the West coast, and is expanding rapidly across the United States. Paige teaches the “Building Wealth with Notes” Workshop that drills down into the details of how to buy Non-Performing Notes, what to look for, due diligence to perform, and how to mitigate risk. Having experienced the hardship of economic downturn, and what she calls “a very difficult learning experience”, Paige knows first-hand how “life can happen” to everyone. Her company was founded to help people in distress. Paige is also driven to help educate people on the importance of passive income, deal evaluation, money, and debt management. She wants everyone to elevate their situation and become free of dependence so that when “life happens” they will be ready not broken. Whether it is improving communities one house at a time, helping borrowers stay in their homes, or working with other investors to learn a new way to potentially earn higher investment dollars for their retirement years, Paige is dedicated to helping people improve their lives in every way. She lives by the motto, “People first, profit second.” For more information about Paige, the workshop, or the Cashflow Chick Community, please go to www.CashflowChick.com and www.BuildingWealthwithNotes.com. What you'll learn about in this episode: Why and how Paige got started in real estate investing out of necessity when she needed to help settle her grandmother's estate How Paige got involved in notes, what notes are, and why they are worth considering for your real estate investments Paige explains the difference between performing and non-performing notes, and why she buys first-position non-performing notes secured by residential real estate Why you would want to buy a non-performing note, due to the substantial discounts you can get How to find a note worth buying, how to get started in the niche, and why notes are a great way to get the same perks as buy-and-hold without the drawbacks How Paige navigated the real estate market crash of 2008, and how the experience shaped her business views and pushed her toward notes Why entering the niche of real estate notes was a life-changing strategy adjustment for Paige and her business Why a good, experienced team is crucial for getting started and finding success in real estate investing Why Paige refuses to conform to a deal and requires the dealer to confirm to her strategies and expectations Why Paige is looking to grow a real estate fund and expand it to a $100 million fund in the next few years Paige expresses the importance of finding a good mentor, and she shares her experiences with her own mentor How to contact Paige Panzarello: Website: www.buildingwealthwithnotes.com/srec/ Website: www.cashflowchick.com Twitter: @Cashflow_Chick Paige's Recommended Reading List: The 7 Habits of Highly Effective People by Stephen R. Covey: https://amzn.to/2V6Mcob The Millionaire Mentor by Greg Reid: https://amzn.to/2GxM7qE Three Feet From Gold by Sharon L. Lechter and Greg Reid: https://amzn.to/2DT7Hlo

Raising capital for your next note investment can be hard, that’s why on this episode, we have Paige Panzarello to teach us how she finds funding for herself and her clients. Check Out the Cashflow Chick’s Online Training Podcast Audio: Brecht Palombo: In today’s episode of the Distressed Pro Professional Podcast Series, I speak with Paige Panzarello. Boy, that’s a lot of Ps I just had in that whole sentence, about raising money, about raising capital. Paige has raised a lot of money and she’s been through the whole cycle. Started back early in the late ’90s and so has been in real estate and in notes for over 20 years, Went through the global financial and housing crisis here in the US. She emerged with a very big healthy business, and in this episode today, she walks us through a lot of the considerations, including some tactics and strategy for raising money. Brecht Palombo: We go deep in on that, I hope this is going to be really helpful for you. I think you’re going to learn a lot and just pay attention to what we talk about in here, because if you are thinking about getting out there, doing the work to find the deals, and you’re going to be raising some money. Then this episode is for you. All right, so enjoy and here’s Paige. Brecht Palombo: Welcome everybody to another episode of the Distressed Pro Professional Podcast Series. Today I’m very happy to have Paige Panzarello here from CashflowChick.com. Paige is going to talk to us about raising money. Who reached out to me over there, somebody reached out to me a little while back, and its taken us a while to connect, but I’m really happy that we did. Paige I understand you raised a lot of money. Is that right? Paige Panzarello: I have, I have. Yeah, I’ve been really fortunate Brecht because I have over my career as a real estate investor, but specifically in the last, you know, since I got into the note space. I’ve been very blessed that I’ve been able to raise quite a bit of capital. Brecht Palombo: Yeah, cool. Tell me a little bit about your trajectory as a investor. What brought you here today, and if you could just walk us through. I know a lot of times, people here this and they think, “Oh, well she was able to do this, because she had this sort of benefit that nobody else that. You know, that’s why she’s special and I can’t do it. That’s going to be my excuse.” If you could just take is from what your beginnings, so that people understand how you’re here today. Paige Panzarello: Absolutely. Okay, I’m not special, I can tell you that. In that, I didn’t have any … I started my real estate investing career over 20 years ago. And kind of by virtue, by default. I was thrown into the deep end of the pool by knowing nothing about real estate investing. My grandmother past away and she had a very large estate. She had some commercial property, she had some townhome units. We had a sewer treatment plant, and then we had some land. Paige Panzarello: Of course I was quite young, and I went off to Arizona ’cause that’s where a portion of the estate was. The townhomes, the sewer treatment plant and the land. The estate was about four million in debt. I actually started my real estate investing career in the hole. If I can do it, anybody can do it, no excuses. Paige Panzarello: I literally knew nothing. I very quickly realized, that because I’m a very helpful person, I love to help people, that’s one of my passions. I realized very quickly that I was not a good property manager, because I have a really big heart and everybody has a story. I put property management in place, and then I really started surrounding myself with people that had the answers that I sought. I was able to kind of parlay all of that, within three years we turned the properties around. I got us out of the whole, we were back in the black in three years which was great. Paige Panzarello: Yep, we sold the sewer treatment plant, we leveraged. And then we started selling the townhome units. I realized that I really want to build on the land, and my family really wanted no part of that. I ended up buying the corporation, and I started my own construction company knowing nothing about construction. This is the late ’90s, early 2000’s, and we started expanding and growing. I brought in a qualifying party, we grew in three years to 36 employees. We were building everything, we held all of our licenses except HBAC and roofing. And we didn’t hold those because the insurance was too high. Paige Panzarello: But you know, we were rocking and rolling, we were really building. As you know Brecht, that was you know, the ramp up to 2005, 2006 and then 2007 happened. The crash, you know, I was looking at it and then I saw it coming. But I was very fortunate in that I thought to myself, well this isn’t going to happen to me because I’m only encumbered about 10%. I was wrong, it happened right on top of my head, and it took me down because the people that owned me money didn’t pay me. Paige Panzarello: I was very fortunate that I had a lot of assets, I had a lot of liquidity. I had big commercial and construction equipment that I was able to fire sale. But at the end of the day, you know, at the end of three years, I ended up walking away from Arizona, having paid everybody what I owed them, but I lost $20 million. That has a tendency to change you as an investor and shape you. Brecht Palombo: It does. Yeah, yeah, no, I’m forever changed. My perspective on investment and everything is forever changed from that same period. And I know a lot of the folks here feel the same way. Paige Panzarello: A lot of people, a lot of people. And because of that you know, I walked away from real estate for a little while. But when I came back in, I came back in in the direction of the note space. You know, I was doing some fixing and flipping, I was doing wholesaling, ’cause I had to rebuild, right? But all the while I was educating myself on notes and I was starting to invest in notes. Paige Panzarello: I love the fact that there is so much control. I invest in first position, non-performing primarily. And so, that gives me a lot of ways to mitigate risk and a lot of control over my own investments and over my own destiny and profit margins. I have never looked back, and I just I love it, and I love that I get to help borrowers, you know, my goal is to try and keep them in their home, to get them to re-perform. But I get to not only help borrowers, but I also get to help my investors. There are investors back from 20 years ago that are still investing with me today. Brecht Palombo: Wow, that’s great. Paige Panzarello: Yeah, I mean, because I did what I said I was going to do, so I’m very fortunate of that. And then word of mouth of course spreads. You know, and that’s part of- Brecht Palombo: It’s funny how, or not funny but, what you just said there, it seems more and more rare but it is like the most crucial thing in this business. Because you are kind of your representation aren’t you?Paige Panzarello: Yes.Brecht Palombo: I mean, and if you don’t have that, you really don’t have anything at all.PaigePanzarello: Anything, exactly.Brecht Palombo: It’s so critical.Paige Panzarello: It is, it is critical. And you know, sometimes it’s not always … You know, there’s not always lemonade, we have to sometimes take the lemons and make lemonade, right? It’s not always unicorns and rainbows, there are things that happen because life happens to people every single day. And as long as you’re honest and forthcoming about it. You know, that’s something that I really pride myself on, but I’m human too, you know? I fall down and skin my knees sometimes too, and as long as I can own up to it and be honest about it, and not try to pull the wool over somebody’s eyes. You know, that’s just so important in this business, and your reputation absolutely is everything. Brecht Palombo: Yeah, yeah. Maybe you could walk us through, talk a little bit about … We went through the crash, we had this terrible experience. Is it terrible? I guess if I was going to be really Zen about it, it wouldn’t be terrible, it would just be an experience that we learned from. And then from then to here, you’ve raised a lot of money. What did you do?Walk us through that a little bit. What I’d love for our folks to come away from this video, this call today, is that they have some idea about how they would begin and some confidence that the things that you do in order to raise money like that aren’t you know, magical things, they’re like actual you know, these are real like strategies that you can accomplish in order to do it. Paige Panzarello: Absolutely, absolutely. Okay, so first of all, you need to educate yourself. That’s the first thing. And you have to have integrity and responsibility because when you’re dealing with raising capital from other people to use them for investments, not only to benefit them but to benefit yourself as well, that’s a huge responsibility. You have to walk into it with a knowledge base. You don’t have to know everything, but you do have to have a fairly firm grasp of the direction of where the investment is going, right? You don’t want to fake it till you make it, because you know, you hear that a lot in real estate investing, “Fake it until you make it.” I don’t subscribe to that school of thought. This is other people’s money and you have to take it very seriously, there’s no faking it. Paige Panzarello: Educate yourself to the point that you’re feeling somewhat comfortable. Surround yourself with other people that are going to help you along the way, those are crucial elements.Brecht Palombo: When you talk about educating yourself. Let’s just put a little bit a finer point on that. Are there specific things that you feel like before you’re going to go out and start talking to people about their money that you really need to have down? Paige Panzarello: Yeah, I think you need to know the risk factors. You know, you need to know how you can mitigate risk for people. You need to know the general strategy of the investment. For notes, for instance, you know, because that’s our business. There’s a lot of front end loaded due diligence. And if you haven’t educated yourself to know what those due diligence steps are, you’re really putting other people’s money in harm’s way. Paige Panzarello: If you can at least educate yourself to the point that you understand what those main due diligence steps are that you need to take. And then have your loss mitigation team and other teams behind you, that they can take the ball and run with it after you buy the asset, then you’re going to be in good shape. Brecht Palombo: Yeah, okay. Take us forward from there then.Paige Panzarello: Yeah, so after your education and taking this very seriously. It really is just there’s no magic wand secret, right. There are two things that everybody wants in real estate investing. The two biggest things are deals, which Brecht you can help with, and then money, right? Money, when you’re seeking to raise capital, the most important thing is that you need to remember this is not about you, it really isn’t. It’s about the person that you’re talking with. What are their needs? And it’s your job to really ask questions to find out what they need. And honestly not everybody is going to be a fit for you, and that’s okay. Paige Panzarello: You’re not asking for money, you’re seeking to help somebody to better their life and better their retirement, and you benefit from it as well. If you go into it thinking along those lines, as opposed to, “Oh, I’m asking for money.” Because most people freeze when they think, “Oh, I’m asking for money.” You’re really not, you have an opportunity that you’re working that you can bring people along with you that’s going to benefit them as well, so that kind of takes the pressure off. Paige Panzarello: And if it’s not a good fit, if they’re looking to make chunks of cash, and you’re investing in performing assets you know, where you just have monthly cash flow. That’s not a good fit. The job is yours to find out what their need is, and then see if it’s a good fit. Paige Panzarello: It also requires you opening your mouth, literally. Most people when they get into the real estate investing sphere of any medium, buy and hold, fix and flip notes, any of it, they get very tight-lipped about what they’re doing. Because they don’t want to feel like they’re going to be judged or you know, listen to the naysayers. But if you don’t open your mouth and tell people what you’re doing, money is literally not going to fall out of the sky and into your lap, you need to tell people what you’re doing. Paige Panzarello: You know, again, surround yourself with people that are in your team and leverage their experience and their expertise. I actually have a funny story, Brecht, that I kind of would like to share. This is literally opening my mouth and opening my mouth, both figuratively and literally. Paige Panzarello: A couple of years ago I went to a real estate conference. And I’m a dentist daughter, by the way, my father was a dentist, and I had a little pain in my tooth, right. I knew what it was, and I got back home and I made an appointment with the endodontist, he’s the guy that does the root canals, right? I went to his office, and I sat in the chair and I explained I said. He said, “Well why have you waited so long.” I said, “Oh, I was at a real estate convention.” And he says, “Oh, you’re a realtor.” And I said, “No, I’m an investor.” And he says, “Oh, is there a difference?” So I explained that. Paige Panzarello: And he said, “Oh my gosh. I really had been thinking, you know, after I’m planning to retire in a couple of years from doing what I’m doing now, being an endodontist.” And he says, “I was thinking about going into real estate, and I was going to start studying for you know, to become a realtor.” And I said, “Well, what are your goals, what are you looking to accomplish?” And he told me, “Well, I’d like to take the money that I’ve earned and leveraged it to create some passive income.” And I said, “Well, your realtor license is going to allow you to sell houses for people, is that what you’re looking to do?” And he says, “No.” Paige Panzarello: I explained what I did and he said, “Oh my gosh, that’s really interesting.” I said, “Well, you know, would it make sense.” This is very key by the way, you need to kind of ask permission, “Would it make sense for us to have lunch or coffee and kind of discuss some options for you?” And he said that would be great, so we did. About two weeks later we had lunch, and it ended up that he had a million dollars to you know, invest. You know, in my circle of friends we kind of call it the million dollar root canal, right? Brecht Palombo: Yeah, got the right side of it, that’s for sure.Paige Panzarello: Exactly. I literally opened my mouth and opened my mouth.Brecht Palombo: Yeah. Tell me a little bit about how that begins. Did you start off with like a PPM in pooling funds, or did you start off doing JVs? If someone’s thinking about their … You know, maybe they’ve got some due diligence, maybe they went through your training and they understand that part, what’s the next thing for them to do? Paige Panzarello: Yeah, I think it really just depends on what their goals are. I don’t suggest going directly into a PPM because setting up PPMs can be quite costly.Brecht Palombo: Oh, maybe we should tell people what a PPM is. Sometimes I do that, you know, we just say things there and I don’t.Paige Panzarello: Sorry, yes, Private Placement Memorandum, it is for a fund. And there are different types of funds, so if you’re looking to invest with somebody who’s doing a fund. Then you know, figure out what kind of fund it is and all … I mean, there’s a huge stack of papers of disclosures that you get when you sign up to invest through a PPM, through a fund. But you know, those can be quite costly to set up, and I certainly, you know, if your goal is to be a hedge fund then certainly you know, go that route. Paige Panzarello: But when you’re first starting out in note investing, I strongly urge people that want to do this, that you know, they start with their own money and maybe a joint venture. And then they surround themselves with other people that are in the know. Right, because the practice is always when you’re actually doing it, the action behind it, that’s where you learn and that’s where you grow. Paige Panzarello: You know, do a few of those first, and then you know, with joint ventures, with people that are experienced. You might not get as much return initially, but the value of the experience you’re going to gain is exponentially more valuable than the actual ROI that you’re going to get back in terms of dollars, right? Paige Panzarello: And then you know, go into you know, perhaps continue that way for a long time or go into a PPM. Or decide you know what, “Hey I don’t want to do this myself, but I do love the medium.” Meaning, you know, I love the ways you could mitigate risk, I love helping people, I love making money doing it, but I don’t want to do the day to day stuff. Invest with other note investors, there are so many different options. Definitely you know, start out small and don’t try and bite off more than you can chew. Brecht Palombo: Can you talk a little bit about what a structure might look like for somebody who is just going to work with their dentist to you know, to buy a couple of notes. You know, without putting together a PPM and all that. What would just a JV, like a basic JV structure look like for you? Paige Panzarello: Yeah, our basic JV structure, you know, we’ve grown considerably. But our basic JV structure, when we started out, it really didn’t change from that point, is our funding partner. We call them our JV funding partner, so the person that came in, to partner with us, brought the funds. And we put in the sweat equity and they were able to leverage our team. You know, they did participate, because you really need to know your SEC regulations, you can’t just JV with anybody. They need to be a part of your sphere of influence, you need to have a relationship with them, otherwise, you’re selling security. You need to be really, really, careful with that. Paige Panzarello: But you know, as long as you get to know the person, and I like to call it marriage. You know, because when you talk about people and emotions and money, it’s very much like a marriage, so date first before you get married.Brecht Palombo: Good advice.Paige Panzarello: Yeah, our funding partners will bring the funds, we put in the sweat equity. They do participate on a weekly basis, sometimes a monthly basis. They do help us to make decisions. You know, we include them in decisions. But they bring the funds, we bring the sweat equity. When we exit a note, 100% of the funds, the original principal amount goes back to them, and then the profit is split between us 50/50. Paige Panzarello: If we get a note to re-perform, then 100% of the principal portion of the payment goes to the JV partner toward the original principal amount that gets reduced. And then the interest is split between us 50/50. It works out well for everybody. Brecht Palombo: Yeah, and so do you put together a special entity for that kind of a thing? Are they one-off LLCs? Is that what that looks like?Paige Panzarello: I actually operate through a Delaware Statutory Trust, which functions very much like a series LLC. I always encourage any investor that I’m speaking with to invest under an entity. There are certain protections that are afforded, there are certain deductions that are allowed. Because when you’re investing in notes, it’s largely the income that you get a straight income. Very rarely are we subject to capital gains, but sometimes we are. Again, I’m not a tax professional, so you know, take everything I’m saying with a grain of salt. Brecht Palombo: Yeah, we’re definitely not providing legal or tax advice today. That’s for sure.Paige Panzarello: Exactly, exactly. Nor am I a lawyer. Definitely, seek the advice of your professionals. But I always encourage people to have to invest through an LLC, it protects them in a number of ways. Paige Panzarello: Agreed.Brecht Palombo: If somebody’s listening to this, maybe they’re starting to get a little bit of a … You know a couple of ideas, somebody they can talk to, you know, some of the folks who they know. What are some of the other ways that you find the investors out there who you’re working with? Other than in the dentist chair. Paige Panzarello: Sure, exactly. Well, you know, honestly Brecht, there’s money all around there. There are so many people that are out there that have 401Ks, they have IRAs. Self-directed IRAs are huge. I mean, anybody that’s in a self-directed IRA, they’re looking to earn and generate higher returns. And they’re just looking for the vehicle to do that, so that’s a great way. PaigePanzarello: But you know, of course, you want to talk to realtors, you want to go to REO meetings and talk to those people. You want to go to everywhere. I mean, when I was doing fixing and flipping, because here in California, we’re not allowed to … We have to have reusable grocery bags, right? What were my bags? What did they say? It said, “We buy houses.” And I can’t tell you how many referrals I got from the checker. You know, they took my card because they saw my bag. Brecht Palombo: That’s fantastic.Paige Panzarello: Yeah, I mean, it’s literally everywhere. Accountants, attorneys, gosh, medical conventions, that’s another one, go and work the lobby. You’re not a doctor, that’s fine, but doctor’s are there at medical conventions. I have been known to go in and you know, have a drink at the bar, or have lunch in the lunch room. It’s a great place, get creative, but it’s everywhere. Brecht Palombo: Yeah, for sure. Well, I think we’re coming up on time here. Is there anything else we want to talk about before we sign off here, any last tips you want to leave for folks as they think about raising money and getting into notes? Paige Panzarello: You know, again, I like to challenge people, everybody’s got their why, you know. You hear about, “What’s your why?” That’s a very personal thing. I like to challenge people, what is your what? What I mean by that is, what do you need right now? And your what will change as you grow as an investor. But you know, if you need chunks of cash right now, you know, maybe choose a vehicle that’s not a long term play, meaning buy and hold properties, rentals is not your vehicle if you need chunks of cash. Paige Panzarello: The converse is true, you know, if you need monthly cash flow, don’t go into fixing and flipping. If you need a little of both, then maybe do look at notes, because you can create both chunks and streams of monthly cash flow in the same investment vehicle which is great. But you need to define who you are as an investor first, and then educate yourself and kind of stick with it. Paige Panzarello: As you know Brecht I do teach a workshop. It’s called Building Wealth With Notes. It’s a three day hands-on intensive. If you’re interested in learning how to invest in notes, that might be a great place for you to start. There are others out there that do the same. I just highly encourage you to educate yourself and then proceed with integrity, and really take that responsibility very, very seriously. Brecht Palombo: I agree with you. The idea of … I think another way to say what you said there is to begin with the end in mind. Which I think you know, a lot of folks, they might get hot on something, or you know, find something you know, looks sexy to them or whatever. But is it going to be a vehicle to get you where you’re going? And you don’t know unless you know where you’re going. Paige Panzarello: Exactly, exactly. If you don’t have a road map to get there, then you’re going to be in trouble, and especially with other people’s money. It’s just dangerous, don’t do it. Brecht Palombo: Yeah. Tell us how folks can reach and reach out to you if they want to learn more about how you do this?Paige Panzarello: Yeah, absolutely. You can reach out to me and schedule a call. If you go to cashflowchick.com. There’s a little tab there that you can book a call with me if you’re interested. If you’re interested in the workshop, you can go to buildingwealthwithnotes.com.I have one coming up here in Orange County in a couple of months. Yeah, but just reach out, or you can reach out, direct message me through Instagram @thecashflowchick. Any of those vehicles you can get in touch with me. Brecht Palombo: Okay, awesome. Thank you Paige, thanks so much for coming on.Paige Panzarello: Thank you.Brecht Palombo: I really appreciate it, those are great tips and hope that everybody really takes a lot away from this, so thank you for that.Paige Panzarello: Thank you so much for having me, Brecht I appreciate it.Brecht Palombo: My pleasure. https://www.distressedpro.com/panzarello/feed/ 1 noBrecht Palombo

“Everything in real estate investing is a mindset. It’s a choice. I could have curled into a ball and died. I didn’t.”   Paige Panzarello was THRUST into real estate after inheriting properties from her grandmother.   Finding she had a knack for the business, Paige focused ALL her time in building her business.  After PULLING these properties into the black, Paige discovered another passion in construction.  She thought she was INDESTRUCTIBLE.   Then, 2007 came and the Recession HIT her hard.   Paige found herself unable to pay her employees and had to CLOSE her construction company.   Paige treated her staff with RESPECT and found a way to pay them...BUT this came to a HUGE cost to her.   Her story is an example of how important the MINDSET is.   Listen to how Paige lost EVERYTHING, then came back ready to FIGHT again and ended up finding her TRUE passion.   In this episode, Paige will cover:   Starting a career after inheriting a real estate portfolio.   Bringing properties out of the red.   Surrounding yourself with people who can answer your questions.   Being persistent and honest in getting investors to partner up with you.   Rehabbing properties.   Creating affordable rents and getting quality tenants.   The trials of being a property manager.   Finding additional passions through real estate.   Overcoming financial obstacles.  Staying true to your word.   Balancing life and work.   Starting all over again.   Having the right mindset.   Note investing.   Learning from every experience.   Paige Panzarello, the “Cashflow Chick,” has been in real estate and investing for more than 20 years. She has experienced everything from operating her own Residential and Commercial Construction and Acquisition companies to Buy and Hold residential and commercial investing, and much more! Currently focusing on Non-Performing Notes, Paige has been successful in completing over $150 MM worth in real estate transactions to date. Paige is a founding member of the Women’s Real Estate Network, can be heard on numerous podcasts, was featured in a Wall Street Journal article, and teaches a workshop called “Building Wealth with Notes.”   Links Mentioned  https://www.cashflowchick.com/   Info@cashflowchick.com   https://www.buildingwealthwithnotes.com/workshop-registration   If you enjoy listening to my podcast, please subscribe and leave us a rating/review.  

The IMN NPL Mortgage Notes Forum is being held on February 7th and 8th in Fort Lauderdale.  Listeners of the podcast can use code SP20 when registering for a 20% discount According to the annual Altisource 2018 default survey published last week, servicers are expecting increased delinquencies in their FHA loan portfolios in 2019. Post-crash, FHA, which some consider as government backed non-prime lending, is at least 50% of new originations.  In addition, Experian recently put out a report that indicates defaults across all loan types increased in the last quarter of 2018. Joining the podcast to discuss the note investing business is Paige Panzarello, founder of The Tryllion Group, an NPL investment firm.    Paige also teaches the “Building Wealth with Notes” workshops.  The workshops train on buying non-performing notes, what to look for in due diligence and how to mitigate risk.

In this episode, I interview Asset Protection Attorney Scott Smith from Royal Legal Solutions about Series LLC’s.  I first learned of these by doing business with Paige Panzarello in the note investing space.  One of the big reasons they became popular over the years is to help California residents avoid paying ridiculous taxes levied by the State of California. We went on to discuss the differences between asset protection and anonymity and the benefits of having a blended approach to best protect your holdings from prying eyes.  Scott also covered Land Trusts as Larry Harbolt teaches and shed light on other strategies that investors can use to best protect themselves from unfair lawsuits.

Paige Panzarello is the “Cashflow Chick”. Having been a Real Estate investor and entrepreneur for over 20 years, Paige has been successful in completing over $150 million in real estate transactions to date. Her experience includes founding and running her own Residential and Commercial Construction and Acquisition companies, Buy and Hold residential and commercial real estate investing, Tax Deeds/Liens, and she currently focused on Non-Performing Notes that she purchases all across the United States. She has been a regularly featured guest on “The Cashflow Guys” podcast, and you can also find her on the “The Note Closers Show”, “Cashflow Ninja”, “Secrets to Real Estate Investing” and “Real Estate Investor Goddesses” podcasts, to name a few. Paige is a Founding Member of WREN, the Women's Real Estate Network, which currently has chapters across the West coast, and is expanding rapidly across the United States. Paige teaches the “Building Wealth with Notes” Workshop that drills down into the details of how to buy Non-Performing Notes, what to look for, due diligence to perform, and how to mitigate risk. Whether it is improving communities one house at a time, helping borrowers stay in their homes, or working with other investors to learn a new way to potentially earn higher investment dollars for their retirement years, Paige is dedicated to helping people improve their lives in every way. She lives by the motto, “People first, profit second.” On today's episode, we cover a ton with Paige, including: How to come back from a HUGE loss (and a HUGE learning experience) Getting clear on your “WHAT” vs your “WHY” What is Note Investing? The leverage of “non performing” notes Why due diligence is everything in real estate investing Why Note Investing is BETTER than other forms of investing Resources/Books mentioned in the show: Rich Dad Poor Dad by Robert Kiyosaki Think and Grow Rich by Napolean Hill Learn more about Paige and her resources: www.cashflowchick.com Check out Paige's Phenomenal “Building Wealth through Note Investing” Workshop Paige knows her stuff! You need to consider joining her three day interactive, hands-on training workshop in Simi Valley, CA. November 9th, 10th and 11th. Check it out here (includes a $100 discount!): cashflowchick.com/friend InvestHER Community Join us on our mission to support and empower as many women as we can to live a financially free and balanced life. We invite you to join the InvestHER Community Facebook group along with other new and experienced women real estate investors! https://www.facebook.com/groups/Investhercommunity Follow us on: Facebook: @therealestateinvesther Instagram: @therealestateinvesther   Please leave a comment below! Learn more about your ad choices. Visit megaphone.fm/adchoices

Paige Panzarello is the “Cashflow Chick”. Having been a Real Estate investor and entrepreneur for over 20 years, Paige has been successful in completing over $150 million in real estate transactions to date. Her experience includes founding and running her own Residential and Commercial Construction and Acquisition companies, Buy and Hold residential and commercial real estate investing, Tax Deeds/Liens, and she currently focused on Non-Performing Notes that she purchases all across the United States. She has been a regularly featured guest on “The Cashflow Guys” podcast, and you can also find her on the “The Note Closers Show”, “Cashflow Ninja”, “Secrets to Real Estate Investing” and “Real Estate Investor Goddesses” podcasts, to name a few. Paige is a Founding Member of WREN, the Women's Real Estate Network, which currently has chapters across the West coast, and is expanding rapidly across the United States. Paige teaches the “Building Wealth with Notes” Workshop that drills down into the details of how to buy Non-Performing Notes, what to look for, due diligence to perform, and how to mitigate risk. Whether it is improving communities one house at a time, helping borrowers stay in their homes, or working with other investors to learn a new way to potentially earn higher investment dollars for their retirement years, Paige is dedicated to helping people improve their lives in every way. She lives by the motto, “People first, profit second.” On today's episode, we cover a ton with Paige, including: How to come back from a HUGE loss (and a HUGE learning experience) Getting clear on your “WHAT” vs your “WHY” What is Note Investing? The leverage of “non performing” notes Why due diligence is everything in real estate investing Why Note Investing is BETTER than other forms of investing Resources/Books mentioned in the show: Rich Dad Poor Dad by Robert Kiyosaki Think and Grow Rich by Napolean Hill Learn more about Paige and her resources: www.cashflowchick.com Check out Paige's Phenomenal “Building Wealth through Note Investing” Workshop Paige knows her stuff! You need to consider joining her three day interactive, hands-on training workshop in Simi Valley, CA. November 9th, 10th and 11th. Check it out here (includes a $100 discount!): cashflowchick.com/friend InvestHER Community Join us on our mission to support and empower as many women as we can to live a financially free and balanced life. We invite you to join the InvestHER Community Facebook group along with other new and experienced women real estate investors! https://www.facebook.com/groups/Investhercommunity Follow us on: Facebook: @therealestateinvesther Instagram: @therealestateinvesther   Please leave a comment below!

One of the most important processes for any investor, especially when you are involved in notes, is due diligence. Due dilligence lets you know your risk and helos you figure out if you should or shouldn't take on a deal. The best part of mitigating risks through due diligence is to maintain control and learn the different exit strategies available for you. The one other benefit that due diligence gives you is the length of investment time which gives you control over the outcome of a deal. All this control comes from that fact that through due diligence you know your “what.” Love the show? Subscribe, rate, review, and share!Here's How »Join the Note Closers Show community today:WeCloseNotes.comThe Note Closers Show FacebookThe Note Closers Show TwitterScott Carson LinkedInThe Note Closers Show YouTubeThe Note Closers Show VimeoThe Note Closers Show InstagramWe Close Notes Pinterest

I get a LOT of emails from all of you at home, asking about my good friend and investing partner, Paige Panzarello. "Tyler, where’s Paige? Why hasn’t Paige been on in a while? We love Paige more than you!" Ok, the last one didn’t happen, but that’s how it feels sometimes! I know you all love it when I have Paige on the show, and I’ve brought her back today. We have some STELLAR news to share with all of you at the end of the episode, especially those of you in the Tampa Bay market!

Paige Panzarello used her time wisely when she lost 20 million dollars by surrounding herself with people who could help her get back up. And instead of painting the experience as a failure, Paige saw it as a blessing because it shaped her as an investor who got a solid foundation to move forward. Learn more of how the Cash Flow Chick makes money while she helps people with distressed mortgages stay in their homes. Love the show? Subscribe, rate, review, and share!Here's How »Join the Note Closers Show community today:WeCloseNotes.comThe Note Closers Show FacebookThe Note Closers Show TwitterScott Carson LinkedInThe Note Closers Show YouTubeThe Note Closers Show VimeoThe Note Closers Show InstagramWe Close Notes Pinterest

Today’s guest has had an incredible real estate career and story! Paige Panzarello, the “CashflowChick”, is a real estate investor and entrepreneur with over 20 years experience in many different forms of Real Estate investing. She currently focuses on Non-Performing Notes that she purchases all across the United States. Paige teaches a Workshop that details how to buy NPNs, what to look for, due diligence to perform, and how to mitigate risk. Having experienced the crash of 2008, and what she calls “a very difficult learning experience”, Paige knows first-hand how “life can happen”. Her company was founded to help people in distress. “People first, profit second.” For more information go to: www.CashflowChick.com. ABOUT MONICK HALM: Monick Halm is host of the Real Estate Investor Goddessses Podcast, and bestselling author of “The Real Estate Investor Goddess Handbook.” She has over 12 years of residential real estate investing experience in single family, multi-family, mobile home parks, and flipping. With her husband, she owns over 1000 rental doors. She delights in adding value for her investors and tenants through improved management and the targeted remodeling and rehabbing of properties. Visit: www.RealEstateInvestorGoddesses.com to connect with Monick and obtain your free ebook: “The Real Estate Success Blueprint: The 7 Crucial Steps Every Woman Must Take to Be a Successful Real Estate Investor”

Today's guest has had an incredible real estate career and story! Paige Panzarello, the “CashflowChick”, is a real estate investor and entrepreneur with over 20 years experience in many different forms of Real Estate investing. She currently focuses on Non-Performing Notes that she purchases all across the United States. Paige teaches a Workshop that details […]

Today I’m going to be talking with you all about investing in debt, or what we investors also call the “note investing” business. To be honest, I wasn’t a huge fan of this investing strategy when I got started simply because I didn’t understand. But thanks to my note investing partners who “dumbed it down” for me and did a breakdown of the process, I’m a lot more confident working in this market. And that’s my goal today, to help all of you understand how to invest in debt, acquire notes, and not be afraid of the unknown. Because you’ll know! There are 2 types of notes in the market: performing and non-performing notes. Performing notes are when the borrower is paying the bill and there’s no back payments, no issues. A non-performing note, however, happens when the borrower is having trouble making payments. Now why would you want to invest in a note where the borrower ISN’T making their payments?! Well, that’s because when they fail to make payments, the terms of the note is violated. When this happens, there are a lot of options of how to make a profit BESIDES just collecting payments every month. Examples are foreclosure, short sales, “deed in lieu”, etc. Every exit strategy is an avenue to continue to make profit. To get started on repairing your credit in 2 years or less, then visit us at CashFlowGuys.com/CreditRepair. If you’d like to get started in note investing, then head over to CashFlowGuys.com/BookTyler. To join Paige Panzarello’s next note investing class, go to BuildingWealthWithNotes.com to purchase your seats. You can also email Paige directly at info@cashflowchick.com Don’t forget to visit us at CashFlowGuys.com and join our Facebook group at CashFlowGuys.com/Group. Get out there and make some CASH FLOW!

  My guest today is Paige Panzarello. Paige is the “Cashflow Chick”.  Having been a Real Estate investor and entrepreneur for over 20 years, Paige has had experience in many different forms of real estate investing and is an expert in her field. She currently focuses on Non-Performing Notes that she purchases all across the United States. Paige teaches a Note class that drills down into the details of how to buy non-performing notes, what to look for, due diligence to perform, and how to mitigate risk. Having experienced the hardship of economic downturn, and what she calls “a very difficult learning experience”, Paige knows first-hand how “life can happen” to everyone.  Her company, Coal to Cash Homebuyers, Inc. was founded to help people in distress. She lives by the motto, “People first, profit second.” Paige is driven to help educate people on the importance of passive income, deal evaluation, money and debt management, and how to review a profit and loss and balance sheet.  She wants everyone to elevate their situation and become free of dependence, so that when “life happens”, they will be ready, not broken.  In order to do this Paige hosts Robert Kiyosaki’s “Cashflow” game monthly for free. Paige says, “This is such a vital part of our "Life" education that is too often missed in formal education. I love to see the "lightbulb come on" and the excitement of doing a creative deal, when one of my group members has that epiphany or makes that great deal happen.”  Several of her attendees have taken their education and actually applied it to their real life by investing in various different forms of real estate that provide passive income. Real Estate investing is a “Team Sport.  She believes that everyone can, and should, invest in real estate: whether for your own portfolio, as a Private Money Lender, or as a Joint Venture Partner. She teaches her students, JV partners, and Private Money Lenders not to settle for 2%, 3% or 4% returns. Interview Links: www.CashflowChick.com   If you have enjoyed our podcast, please share with friends and family Please Subscribe, Rate, and Review on Itunes so more people can find us! so more people can find us! Please Support Us by Becoming A Patron on Patreon Open Your Goldmoney Account & Get A 5% Bonus Support Our Sponsors Joint Ops Properties, have designed a system to take any beginner to an experienced deal making investor in the least amount of time, offering opportunities from basic education, coaching, bridge investing to turn-key investments in the cash flowing market of St. Louis, MO. www.jointopsproperties.com Spartan Invest, helps investors create passive income and wealth through turnkey ownership in Birmingham Alabama. www.spartaninvest.com Norada Real Estate helps take the guesswork out of real estate investing.  By researching top real estate growth markets and structuring complete turnkey real estate investments, we help you succeed by minimizing risk and maximizing profitability. www.noradarealestate.com Valhalla Wealth Financial, reclaim the banking function within your own life with the premier strategies of the Wealthy. www.valhallawealth.com Audible, download any audio book for FREE when you try Audible for 30 days www.cashflowninjabook.com Thanks so much for joining me again. Have some feedback you’d like to share? Leave a note in the comment section below! If you enjoyed this episode, please share it using the social media buttons you see at the bottom of the post! Also, please leave an honest review for the Cashflow Ninja Podcast on iTunes. Ratings and reviews are extremely helpful and greatly appreciated! They do matter in the rankings of the show, and I read each and every one of them. And finally, don’t forget to subscribe to the show on iTunes to get automatic updates, please follow me on twitter @mclaubscher and Instagram, @cashflowninjapodcast. Until next time! Live a life of passion and purpose on YOUR terms, M.C. Laubscher

Your favorite guest is back on the show this week, Paige Panzarello my esteemed partner in the note buying business is joining us again today to discuss some of the common questions that investors have regarding notes. We will be releasing a mini course on note investing to those who subscribe by texting “notes” to 314-665-1767 The note investing mini course will be delivered in multiple parts stretched over several weeks sent about once a week.  Be sure to register using the info above to take advantage of this opportunity. Although we receive many questions, we sorted through them to bring answers to the 6 most commonly asked questions we hear from our investors.  In the past we would list those answers right here also, however because we want you to hear the content we provide, we will refrain from typing it out here. The questions we are covering are as follows: What is the market crashes, will I lose my investment or any part of it? What if we buy a note and the property is trashed inside?  What steps do we take to reduce the likelihood of that? How do we know the valuation provided by the real estate agent is accurate? What steps are taken to be sure about the retail value of the property? How would a fire, or natural disaster impact my investment with notes? Does it make sense to borrow money to invest in notes? Is note investing a good fit for investing with a retirement plan? Get the answers inside the show, enjoy!

This week we change gears at the CashFlowGuys Podcast.  We bring on a returning guest who has provided tons of value to our listeners in the two previous episodes she recorded with Tyler.   Today, the “value bar” is raised to a whole new level.  As we have discussed on the podcast before, fear is something that can often cripple an investor.   Fear evolves from our learned behavior of how we react to mistakes or negative experiences that occur in life.  Paige Panzarello aka “The CashFlow Chick” returns to the show to discuss the trials and tribulations that have helped mold who she is today.   Paige began her career in real estate by inheriting (yes, inheriting) 38 townhomes due to a death in the family.  At the time she inherited these properties, she had no landlording experience whatsoever...but she dove in, head first and learned the ropes.  That little adventure lead to Paige accomplishing many great feats, and also resulted in some unfortunate situations that provided a mold for the Paige we now know.   Paige digs deep in the episode and helps us learn about the sequence of events and experiences that have molded her eventual success.  We also learn that whatever problems may arise, we can and will overcome them and then grow from the experience.   As investors, many people blindly follow the masses by investing in “household name” investments such as stocks, bonds and mutual funds.  Part of the problem with that is that many of these investments are not fully understood by the investor...and that is a problem.   We also cover Paige’s upcoming training seminar on Buying Non Performing Notes that will be held on November 5th and 6th in California.  For more info on attending this training opportunity reach out to page via CashFlowChick.com   Have you thought about note investing as a viable strategy and are ready to learn more and take it to the next level? Contact Paige via her website to schedule a free consultation with her and Tyler to learn more.

In this second segment of the CashFlowGuys Podcast Tyler Sheff and Paige Panzarello dig deeper into their note investing business. The episodes begins with a brief recap on note investing and then begins to discuss some of our actual deals and how we made money with them.  The most common exit strategies are reviewed in greater detail to help listeners learn how to make the decision on the exit strategy. When making decisions on exit strategies, we must first consider our cost basis and a conservative estimate of the yield available to us for that strategy. Our four most common exit strategies involve: Deed In Lieu of Foreclosure, Short Sale, Foreclosure or our favorite strategy - a workout.  We only choose first position notes on properties that are owner occupied.  This gives us better odds on being able to provide win / win solutions. Are you interested in learning more about investing in notes?  You can schedule time with Paige directly at CashFlowChick.com Are you looking to learn more about real estate investing?  Join our facebook group at CashFlowGuys.com/group

On today’s episode Paige Panzarello joins Holly. Paige has been in the real estate business for over 20 years working various different aspects of the business. Paige has worked as a landlord, as well as working in land development and owning a construction company. While there are several types of notes available to buy Paige works in non-performing notes. Non-performing notes allow for Paige to help people who might not otherwise be able to keep their homes, keep them, while also making a profit for Paige. A recent success story for Paige is one out of Memphis, Tennessee. A borrower had not been able to pay for her mortgage because she was paying for her husband’s medical expenses. The husband recently passed away and the borrower was on the verge of losing the home that she has lived in for over 30 years. Paige was able to help this woman out by buying this note and allowing for the woman to keep her home with repayment and a mortgage adjustment. Paige speaks about FHA 1023, which are specifically designed for banks, like Paige, to work with borrower. They will come in and refinance after 12 months at 97.5% of current market value, which means the borrower, gets to stay in their home and Panzarello gets cash flow. In the end borrower ends up with a manageable mortgage payment and is able to keep their home. When buying notes Paige reminds us that in every 10 notes, one-third of people will perform as expected and be able to keep their home while a profit is being made. Non-performing notes have 23 exit strategies but Paige only utilizes about 4 of them. Paige has preset criteria to determine which notes she wants to get involved in. Paige and her team work out, on paper, every stage of the plan to make sure that they are making money, if they are not making money on paper than the deal is not worth it to them. If you cannot make a profit on paper then the chances of you making profit by buying the note are slim. Paige reminds us that there is plenty of opportunity in note buying, $1.38 billion dollars of bad debt opportunity. To get involved in note buying you need to take the right steps and do your due diligence to make certain you are buying the right notes. While you can go online and signup for a website and buy a note this is not the best way to purchase a note. Paige insists that you do not want to buy a note this way unless you know what you are doing because there are a lot of steps that go into note buying. Unless you know what you are doing you need to hook up with a mentor and develop a relationship with them so that you can benefit from the education and keep yourself out of trouble financially. You need to do your due diligence before you decide to purchase a note to make sure the comp value is where it needs to be and there are no delinquent taxes, etc. Never buy a note without having someone go to the property and have him or her take pictures of the property. You need to make sure that the debt that you just bought is physically there and still standing. Paige likes to say that there are no bad notes but there are bad buying of notes, bad buying will occur if you do not do your due diligence. If you buy badly your profit margin shrink or disappears. Paige finds her deals through relationships. Real estate is a team sport, you cannot do it all yourself. If you do not have good relationships with people on your team you are not going to get very far. Paige funds her deals with her cash, as well as her partner and joint venture partners. Notes are cash and carry unlike conventional loans for homes that you are buying to flip. Paige has become successful by utilizing her stren

Working smarter not harder is the focus of this episode as Paige Panzarello of CashFlowChick.com and Tyler Sheff of CashFlowGuys.com discuss putting our money to work for us, instead of us working for it.  Paige and Tyler have spent the last year or so building a team to acquire non performing notes and service them effectively for our investors.   We take this opportunity to discuss a general overview of what exactly “notes” are, the ups and downs of the note investing business and how we can profit from “paper”.   We buy notes at a significant discount….these are notes that are “non”performing” which means the borrower has stopped paying.  The banks desire to sell these non paying notes at a discount to “clear their books”.  Often we find that the banks have not even bothered to reach out to the borrower to find out why they are not paying.   When we buy these notes, our team is able to reach out to the homeowners and often make arrangements to lower their loan costs or terms to allow them to start paying again.  More often than not we can make arrangements with them that allow them to get their life on track and often remain in their home.   The #1 most important element of investing in notes is the Due Diligence element.  We have invested a great amount of time and focus on building the right combination of people needed to be sure our due diligence is effective and protects us from unnecessary loss.  When working with investors, it is critical to be sure that we are extremely thorough in our research to protect our investor’s capital investment and future profits.   In future episodes we will be digging deeper into the note investing arena and providing further insight into this mysterious yet highly profitable venture.   Are you stuck as an investor and not sure what to invest in or what a good deal is?  Are you overwhelmed at the educational options available to you in the marketplace?  Would it help you to spend 30 minutes on the phone with Tyler in order for him to help you get “un-stuck”  if so head on over to CashFlowGuys.com/AskTyler to book a free strategy session with Tyler to get on track today.   Are you in the Tampa Bay Area?  If so go to CashFlowGuys.com/events to register for our next free event.