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PODCAST

The Paper Trail

Welcome to The Paper Trail, where we follow the journey—my journey—through the world of mortgage note investing. I"m Chris Seveney, and after years of buying, managing, and selling notes with 7e Investments, I"m here to share the real stories behind the deals—what went right, what went wrong, and what I wish I knew earlier. From non-performing loans to seller financing to private lending, this show is about more than strategies—it’s about learning to follow the paper trail and doing the due

business entrepreneurship

All Episodes

34:51

E325 | Fred & Tracy on Mastering Seller Financing the...

The Paper Trail ·

2025/07/02

In this episode of the Paper Trail Podcast, Chris is joined by Fred and Tracy Rui of NoteInvestor.com, two of the most respected voices in the seller finance world. Together, they share how they accidentally found their way into the note business over 30 years ago—and how seller financing has proven to be one of the most durable wealth-building strategies across every economic cycle.Fred and Tracy dive into how seller financing works, how investors can buy or create notes, and the right way to

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25:22

E324 | Beth Johnson on What Most Investors Get Wrong...

The Paper Trail ·

2025/06/25

In this episode of the Paper Trail Podcast, Chris sits down with Beth Johnson, co-founder of Flynn Family Lending and author of Lend to Live, to dive deep into what it really takes to build a sustainable, ethical private lending business.Beth shares her accidental journey from being a real estate side hustler to running a boutique lending firm alongside her husband. She talks candidly about the challenges of managing investor capital, the importance of due diligence, and why private lending is as

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42:15

E323 | From Construction to Cash Flow: Real Asset...

The Paper Trail ·

2025/06/20

In this episode, we sit down with seasoned real estate investor Kevin Bupp, host of two top-rated podcasts and founder of Sunrise Capital Investors, to explore how “boring” assets like mobile home parks and parking garages can deliver outsized, long-term returns.With over $250 million in real estate transactions under his belt, Kevin shares the fundamentals behind his investment thesis, how he vets assets in today’s tighter market, and why staying focused on simple, cash-flowing niches is key to

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32:30

E322 | Michael Fordham on Why Integrity Beats Flash...

The Paper Trail ·

2025/06/17

In this episode of Paper Trail, part of our Know Your Speaker series, Chris Seveney sits down with Michael Fordham—founder and president of Silverstream Funding and former Wall Street attorney turned boutique private lender.Michael shares his journey from managing billion-dollar bond deals at JP Morgan to gut-renovating a Harlem brownstone and launching his own lending firm. They talk about the real risk (and reward) in private lending, why humility is the secret ingredient most investors miss, and

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23:24

E321 | DSCR Lending in 2025 What Note Investors...

The Paper Trail ·

2025/06/11

They’re diving deep into the world of DSCR lending on this episode of the Paper Trail podcast, unpacking the latest trends that are shaping the private lending game. DSCR loans, which are like the cool cousin of traditional loans, let investors qualify based on rental income instead of personal income—talk about a game-changer! With an eye on the April 2025 DSCR lending trends report from Lightning Docs, they break down how these loans are making up a hefty chunk of originations and what that means

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18:42

E320 | What Bank Balance Sheets Tell Us About the...

The Paper Trail ·

2025/06/04

Today’s chatter on the Paper Trail podcast is all about the latest Quarter 12025 Bank Call Report data and what it’s spilling about the mortgage note scene. They dive into why banks are feeling a bit skittish about the economy, hinting that lending is slowing down and defaults are creeping up like a surprise guest at a party! It turns out, over 70% of bank asset growth is from trading assets, not loans, which is like throwing a pizza party but only serving salad—everyone's gonna be disappointed! The

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18:06

E319 | Rising Underwater Mortgages: A Wake-Up Call...

The Paper Trail ·

2025/05/28

Seriously underwater mortgages are rising, and that’s the big takeaway from this episode of the Paper Trail podcast! The crew dives into the fresh data from Adam's Q1 2025 Home Equity report, revealing that now 4% of U.S. mortgages are in deep water, meaning folks owe way more than their homes are worth. They chat about how this trend could lead to more foreclosures and what savvy investors can do to prep for the upcoming wave of opportunities—or challenges, depending on how you roll with it. With

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19:10

E318 | Then vs. Now: What’s Changed in Note...

The Paper Trail ·

2025/05/21

Chris dives into the nitty-gritty of how note investing has transformed over the last decade, highlighting that while the landscape has shifted from a treasure trove of low-balance, distressed loans to a more competitive and cash-heavy game, the opportunities are still very much alive. He breaks down the five foundational steps for newbies looking to jump into the note investing scene, even if they don’t have deep pockets. From smart partnerships to exploring partials and land notes, he’s got your

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22:52

E317 | Luxury, Lies & Livestock: How We Turned a $1M...

The Paper Trail ·

2025/05/14

Get ready for a wild ride with the Papertrail podcast, where they spill the tea on the crazy world of mortgage note investing! This episode kicks off with a jaw-dropping story about a Las Vegas asset that was more than just a bad loan—it involved a borrower behind bars, chickens running amok in the house, and one of their biggest turnarounds ever! They dive into the nitty-gritty of turning a non-performing loan into a success, all while dealing with teenage squatters and a property that had seen

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18:28

E316 | Deals You Don’t Close: Why Walking Away Is a...

The Paper Trail ·

2025/05/07

Today’s chat dives into the wild world of real estate deals, particularly the ones you dodge like a dodgeball champ! The main takeaway? Sometimes, the best deal is the one you don’t touch with a ten-foot pole. Our host spills the tea on a promising construction loan that turned out to be a total mess – think lawsuit drama that’d make a soap opera blush! They break down how due diligence saved their bacon, revealing red flags that screamed, “Walk away, buddy!” With some hilarious analogies and a

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23:06

E315 | What’s the Right Capital Raise Structure for...

The Paper Trail ·

2025/04/30

Today’s chat on the Papertrail podcast dives into the nitty-gritty of capital raising strategies, helping listeners figure out which method is the best fit for their unique deals. They kick things off with a rundown of the four main options: Regulation D506B, D506C, Regulation A+, and Regulation CF, breaking them down like a pro chef slices veggies for a stir-fry. Each option comes with its own pros and cons, folks—like choosing between a cozy blanket or a sleek comforter, it all depends on what

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23:08

E314 | What Stock Market Volatility Means for Note...

The Paper Trail ·

2025/04/23

Today’s chat spills the beans on the wild world of mortgage note investing and why it’s a game-changer, especially with the stock market’s rollercoaster vibes. He digs into the nitty-gritty of how investing in mortgage notes lets you act like the bank, collecting those sweet monthly payments without the hassle of dealing with tenants or leaky roofs – talk about a win-win! She emphasizes that this type of investing isn’t tied to the stock market chaos, which means while 401ks might be taking a

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31:52

E313 | Behind DME: Nathan Turner’s Journey from...

The Paper Trail ·

2025/04/18

Nathan Turner of Earnest Investing spills the beans on how note investing isn’t just about crunching numbers—it’s all about those real connections! They dive into Nathan’s winding road into the note world, where he went from being a struggling landlord to a note investor who’s shaking hands and making deals. This chat highlights the importance of in-person events, like the upcoming Diversified Mortgage Expo, where networking can turn into gold. Nathan shares gems from his years in the biz, including

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18:08

E312 | What Investors Want To Know: 5 Key Questions...

The Paper Trail ·

2025/04/16

Chris Sevney dives into the nitty-gritty of real estate investing with a lively Q&A session that’s bursting with insights! He tackles the importance of forced-placed insurance like it’s the hot topic of the day—because let’s face it, no one wants to get burned (pun intended) when their property goes up in flames! From answering questions about non-performing notes to shedding light on tricky borrower situations, he’s got a toolbox full of wisdom that’s perfect for anyone dealing with paper

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18:07

E311 | A Day In The Life Of An Entrepreneur: The...

The Paper Trail ·

2025/04/09

E311 | A Day In The Life Of An Entrepreneur: The Highs, Lows, And Realities The central theme of this podcast episode is the multifaceted and challenging nature of an entrepreneur's daily life. I delve into the realities faced by business owners, elucidating that the journey is far from facile, contrary to the glamorous portrayals often depicted in popular culture. I reflect on personal milestones and share insights from a recent dialogue with a lifelong friend who is also embarking on a new

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21:19

E310 | Due Diligence In Notes And Passive Investing:...

The Paper Trail ·

2025/04/02

Protecting your investments requires thorough due diligence, especially in the world of notes and passive investing. In this episode, Chris Seveney talks about the critical due diligence requirements that investors need to understand. He explores the essential steps involved in evaluating potential investments, minimizing risk, and maximizing returns. Learn how to go beyond the numbers and assess the quality of notes, understand the intricacies of passive investment

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20:33

The State Of Private Lending: Trends And Insights For...

The Paper Trail ·

2025/03/26

Stay informed about the evolving landscape of private lending. In this episode, we delve into the state of private lending, drawing insights from the American Association of Private Lenders. We explore the growing market for bridge loans, DSCR loans, and other short-term business purpose loans, including residential transition loans and ground-up construction financing. Gain valuable perspectives on the trends driving growth in this sector and how investors can capitalize on the

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20:33

The State Of Private Lending: Trends And Insights For...

The Paper Trail ·

2025/03/26

Stay informed about the evolving landscape of private lending. In this episode, we delve into the state of private lending, drawing insights from the American Association of Private Lenders. We explore the growing market for bridge loans, DSCR loans, and other short-term business purpose loans, including residential transition loans and ground-up construction financing. Gain valuable perspectives on the trends driving growth in this sector and how investors can capitalize on the opportunities within

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00:19:28

Cash-Poor, Equity-Rich: Unlocking Opportunities In...

The Paper Trail ·

2025/03/21

Get ahead of the curve with insights into the 2025 real estate market. In this episode, Chris Seveney dives into key trends shaping the investment landscape. First, we explore the phenomenon of cash-poor, equity-rich property owners and the opportunities this presents for investors. Next, we analyze the continued rise in defaults across asset classes and its implications for note investors. Finally, we separate fact from fiction with a reality check on the Washington DC real

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19:27

Cash-Poor, Equity-Rich: Unlocking Opportunities In...

The Paper Trail ·

2025/03/21

Get ahead of the curve with insights into the 2025 real estate market. In this episode, Chris Seveney dives into key trends shaping the investment landscape. First, we explore the phenomenon of cash-poor, equity-rich property owners and the opportunities this presents for investors. Next, we analyze the continued rise in defaults across asset classes and its implications for note investors. Finally, we separate fact from fiction with a reality check on the Washington DC real estate market, debunking

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445 results

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