Artwork for podcast RealDealChat / Lessons from Real Estate Investors
Why Smart Investors Are Becoming the Bank | Eddie Speed
Episode 7804th January 2026 • RealDealChat / Lessons from Real Estate Investors • RealDealCrew | Jack Hoss
00:00:00 00:38:32

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Eddie Speed explains why note investing is outperforming rentals, how investors become the bank, and why seller financing is the next shift.

In this episode of RealDealChat, Jack Hoss sits down with Eddie Speed, founder of NoteSchool, to break down why note investing and seller financing are rapidly outperforming traditional rental properties in today’s market.

Eddie explains why rising expenses, compressed cap rates, and stagnant rents are breaking the rental model—and how investors are pivoting by becoming the bank instead. He shares how landlords, realtors, and investors can transition from owning rentals that barely cash flow to holding performing notes generating double-digit returns with far fewer headaches.

The conversation dives deep into:

  1. Why rentals are producing 4% while notes can produce 9–12%
  2. How seller financing creates instant liquidity
  3. Turning landlords into “mini mortgage banks”
  4. Why rate cuts don’t fix rental math
  5. How stress-testing strategies prevents catastrophic losses
  6. Blockchain, automation, and the future of mortgage notes
  7. Why mentorship compresses decades of learning into months

If you’re a real estate investor questioning your current strategy—or searching for safer, more scalable cash flow—this episode is a must-watch.

👉 Learn more about Eddie’s training: https://noteschool.com/realdeal

👉 Build investor systems & automation: https://realdealcrew.com

⏱️ Timestamps

00:00 – Why rentals are breaking down

01:00 – Notes vs rentals: the math investors ignore

02:45 – Becoming the bank (simple explanation)

04:30 – Why investors must change strategies

06:15 – From rental portfolios to note portfolios

08:15 – Creating instant liquidity with seller financing

10:00 – Is this a shiny object—or a real shift?

11:45 – Why rate cuts won’t fix rental cash flow

13:30 – The real estate quadrants reexamined

15:30 – Appreciation vs cash today

18:30 – Stress-testing strategies before investing

21:00 – Mentorship & compressing time

23:30 – Avoiding another “job” in real estate

25:45 – First mortgage example explained

27:30 – Why seller financing is exploding now

30:00 – Technology, automation & blockchain

33:00 – Conveyor-belt systems for scaling notes

35:30 – Rapid Fire: lies, books & time-saving tools


#NoteInvesting #SellerFinancing #EddieSpeed #RealDealChat #RealEstateInvesting #PassiveIncome #CashFlowStrategy #BecomeTheBank #InvestorMindset

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We empower real estate investors by optimizing your business processes through customized automation and system integration. From lead management to deal closure, we help you build a scalable and efficient operation. Learn more at RealDealCrew.com

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