Want to grow your money at 30% to 50% per year—without the stock market rollercoaster, soul-crushing 80-hour workweeks, or gambling on risky get-rich-quick sche...
Episode 009: What Is a Note and Why It’s the Most Important Thing in Lending
What makes a real estate loan secure? It’s not just the property—it’s the paperwork behind it, especially the note, which holds the true power in any lending deal. In this episode, Rich Lennon dives deep into how to structure a note, what to include, and why small mistakes in documentation can lead to huge financial losses. Rich breaks down everything from loan terms to default conditions, personal guarantees, and the hidden risks if your paperwork isn’t airtight. You’ll Learn How To:Write notes that protect you in every lending situation.Set clear repayment terms, interest rates, penalties, and default clauses.Differentiate preference vs. supporting lenders in fractionalized lending.Use personal guarantees and cross-collateralization to secure investments.Avoid costly mistakes with proper legal terms and document deadlines.Who This Episode is For:Private lenders and fractional investors seeking to secure their investments.New and experienced real estate investors dealing with private notes.Anyone who loans money against real estate and wants to avoid mistakes.Passive investors seeking safe returns and protection in real estate deals.Why You Should Listen:Rich Lennon shares real-life examples and specific clauses that protect your money in lending deals. If you issue or invest in real estate notes and want to avoid costly errors, this episode gives a practical, step-by-step breakdown of a secure note. Don’t lend money without understanding these essentials.What You’ll Learn in This Episode:(00:51 - 01:45) Importance of Good Paperwork (01:45 - 02:11) Deed of Trust vs. Mortgage (02:11 - 03:52) Key Elements of a Promissory Note (04:10 - 04:39) Choosing the Right Trustee (05:05 - 06:49) Loan Distribution Structure: Preference vs. Supporting Lenders (07:17 - 09:32) Repayment & Default Terms (10:02 - 10:29) Why Title Insurance Matters (10:58 - 11:19) First Position Lending & Tax Payments (11:19 - 12:48) Default Conditions: What Triggers a Default? (14:09 - 15:07) Cross Default & Cross Collateralization Follow Rich Lennon here:Website: https://richlennon.com/Facebook: https://www.facebook.com/rich.lennon.121Instagram: https://www.instagram.com/richlennon92/#
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Episode 008: How Private Money Lending Made Me Wealthier Than Real Estate Ever Could With Mary Hart
What happens when an attorney, a single mom, and a real estate investor walk into the world of private lending by accident? She builds a multi-million-dollar lending business! In this episode of Growing the Money, Host Rich Lennon sits down with Mary Hart, a retired attorney turned powerhouse private lender. Mary shares how she went from making her first loan (which quickly went into default) to successfully managing over $7.5 million in loans today—all while ensuring she’s never lost a dime. You’ll Learn How To: Thoroughly check the experience, financials, and track record of your borrowers. Ensure the deal makes sense, analyze comps, rehab costs, and exit strategy. Use rock-solid contracts that protect your interests in case of default. Ensure the rehab budget is realistic; a lowball budget could mean trouble. Be proactive; don’t wait too long to take legal action. Use tech tools and automation to streamline the lending process. What You’ll Learn in This Episode: (0:00 - 0:27) The Power of Paperwork in Lending.(0:52 - 1:26) Mary Hart’s Journey into Private Lending. (2:19 - 2:39) Learning About Wraps & Fractionalized Notes. (4:07 - 4:46) Scaling to $7.5M in Loans—With Just a Spreadsheet. (10:01 - 10:21) Vetting Borrowers: The “3 P’s” of Lending. (13:16- 14:40) the importance of having strong legal protections in place. (14:41 - 15:49) Why Contractors Lose Money Before the Lender Does. (16:05 - 19:37) Underwriting Criteria & Loan-to-Value (LTV) Ratios. (19:37 - 23:10) The Game-Changing Tech: Site Wire for Remote Inspections. (23:10 - 29:59) The Importance of Hiring an Attorney for Loan Documents. Who This Episode is for: Aspiring & Active Private Lenders Real Estate Investors & House Flippers Passive Investors & Wealth Builders Entrepreneurs & Business Owners Attorneys & Real Estate Professionals Why You Should Listen: This episode is a masterclass in private lending. Whether you're a new or experienced lender, a real estate investor, or someone looking to generate passive income, you'll walk away with proven strategies to make money safely and avoid costly mistakes. Follow Rich Lennon here:Website: https://richlennon.com/Facebook: https://www.facebook.com/rich.lennon.121Instagram: https://www.instagram.com/richlennon92/#Follow Mary Hart here:Website: https://www.maryhart.net/Facebook: https://www.facebook.com/MaryHartAIM/Instagram: https://www.instagram.com/maryhartaim/
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Episode 007: How a Simple Bike Purchase Reveals the Easiest Way to Grow Wealth
Have you ever thought about how a simple everyday transaction could teach you the easiest way to build wealth? In this episode, Rich Lennon shares an incredible real-life example involving his son’s bike purchase that perfectly illustrates the power of fractionalized notes and strategic investing. Get ready for a step-by-step breakdown of how small, smart financial moves can lead to impressive returns and a wealth-building mindset.You’ll Learn How To:Apply the concept of fractionalized notes to real-world investingStructure deals to minimize risk and maximize returnsIdentify win-win opportunities that create value for everyone involvedUtilize small capital investments to generate significant profitsThink like an investor, even in everyday transactionsWhat You’ll Learn in This Episode(01:24) What a fractionalized note is and why it matters in investing.(02:42) How Max identified an opportunity to help his friend Nick buy a bike.(04:12) The bike’s poor condition and calculating repair costs.(05:50) Negotiating the purchase price and assessing risk before investing.(07:20) How Max structured the deal using borrowed money.(08:45) Setting conditions for the loan and ensuring repayment.(10:10) Overcoming unexpected delays and completing the bike repairs.(11:50) Selling the bike at a profit and finalizing the financial returns.(13:10) Applying this simple concept to real estate and wealth-building.Who This Episode is For:New and experienced investors looking for simple strategies to grow wealthEntrepreneurs and business owners wanting to understand financial leverageAnyone interested in real estate, lending, and wealth-building principlesPeople who struggle to grasp investment concepts and need a relatable analogyWhy You Should Listen:This episode provides a crystal-clear, real-world example of how small investments can turn into big returns. By breaking down each step of the bike purchase, Rich Lennon simplifies wealth-building concepts in a way that anyone can understand and apply. If you’re serious about making smarter financial decisions, this episode will change the way you see money, deals, and opportunities.Follow Rich Lennon here:Website: https://richlennon.com/Facebook: https://www.facebook.com/rich.lennon.121Instagram: https://www.instagram.com/richlennon92/#
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Episode 006: Who Are Your Customers - The Clients Who Make You Money in Your Sleep
Are you tired of slow returns, high risks, and feeling like you have no control over your money? Imagine earning consistent, impressive returns, retiring sooner, and building a lasting legacy—all with a proven, simple system. In this episode, Rich Lennon shares how to identify the ideal clients who will grow your wealth while you sleep. If you’re serious about making money work for you, this is the episode you can’t afford to miss!You’ll Learn How To:Identify the ideal clients who will grow your money effortlesslyUnderstand the key characteristics of real estate investors and passive lendersUse private lending to maximize your financial growthAvoid common pitfalls that could jeopardize your investmentsRecognize red flags in potential borrowersFind the best networking opportunities to connect with high-value clientsStructure loan agreements that protect your moneyDetermine the right lending approach for your risk toleranceImplement smart investment strategies for long-term wealth-buildingDevelop a system that attracts "lazy money" investorsWho This Episode is For:Real estate investors looking to expand their portfolioPrivate lenders seeking low-risk, high-return opportunitiesEntrepreneurs interested in passive income through lendingFinancial professionals advising high-net-worth clientsAnyone eager to build wealth with minimal daily involvementWhy You Should Listen:Rich Lennon shares proven strategies used by top investors to identify and leverage profitable clients. If you want to grow your money with secure investments while minimizing risk, this episode provides actionable insights to help you get started. Whether you’re new to private lending or an experienced investor, you’ll gain valuable knowledge on how to build long-term wealth.What You’ll Learn in This Episode:(00:16) Why real estate lending is the safest path to wealth building.(01:29) Identifying the ideal clients for passive income real estate lending.(02:45) Fix-and-flip investors versus long-term landlords and their lending needs.(05:32) Red flags that indicate a high-risk borrower in real estate lending.(07:48) The 1% rule and how it affects real estate refinancing strategies.(10:15) How to attract "lazy money" investors looking for secure investments.(14:20) Finding real estate investors at REIAs and networking groups.(17:10) Structuring loans that maximize returns while minimizing lending risks.(21:30) Why underwriting standards protect your capital from financial pitfalls.(24:00) Next steps: How to start building wealth through real estate lending.Follow Rich Lennon here:Website: https://richlennon.com/Facebook: https://www.facebook.com/rich.lennon.121Instagram: https://www.instagram.com/richlennon92/#
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Episode 005 : How to Escape 80-Hour Workweeks and Print Money Passively with Mike Seidl
What if you could grow your wealth, work less time, and leave a lasting legacy? In this episode, Mike Seidl shares how he went from running two successful businesses to finding financial freedom through lending money to real estate investors. He reveals the strategies he uses to protect his money, avoid bad deals, and achieve consistent returns—all while funding a cause close to his heart.If you’re ready to learn how to take control of your financial future and make your money work for you, this episode will show you how.You’ll Learn How To:Protect your capital by taking the strongest financial position in every deal.Avoid risky investments with a proven underwriting strategy.Minimize your risk on construction loans with a simple, “reversed draw” strategy.Ensure borrowers have “skin in the game” to avoid costly mistakes.Leverage insurance to protect your investments from the unexpected.What You’ll Learn in This Episode:Why private lending is one of the safest, most lucrative ways to grow wealth.How the 2008 financial crisis taught investors to weather any market.The five rules every private lender must follow to avoid losing money.What it feels like to wire $2 million—and why relationships matter in lending.The emotional story behind Mike’s passion project to help foster care youth.How to use private lending profits to fund a nonprofit mission without relying on donations.Who This Episode Is For:Entrepreneurs who want to transition from hands-on businesses to passive income.Real estate investors looking to earn strong, consistent returns with less hassle.Private lenders who want to protect their capital and avoid common mistakes.Anyone interested in creating wealth while making a lasting impact in their community.Why You Should Listen:Discover five actionable steps to protect your investments and grow your returns.Learn how private lending can create freedom from long workweeks and stress.Hear an inspiring story of building wealth while giving back in a meaningful way.Get insider tips on how to avoid costly mistakes that many lenders make.Follow Mike Seidel Here:Want to connect with Mike or learn more about his lending strategies? Reach him at: Email: [email protected] Rich Lennon here:Website: https://richlennon.com/Facebook: https://www.facebook.com/rich.lennon.121Instagram: https://www.instagram.com/richlennon92/#Enjoyed this Episode?If you found this episode valuable, don’t forget to:Like, share, and leave a review!Subscribe to Growing the Money for more insights on building wealth and creating financial freedom.Share this episode with a friend who’s ready to take control of their financial future.
Want to grow your money at 30% to 50% per year—without the stock market rollercoaster, soul-crushing 80-hour workweeks, or gambling on risky get-rich-quick schemes?Do you crave financial freedom but feel stuck in the outdated “work harder, save more, retire someday” model?Welcome to The Growing the Money Podcast, where host Rich Lennon pulls back the curtain on the wealth-building strategies the banks, billionaires, and ultra-wealthy use every day to grow their fortunes—strategies that YOU can start using today.If you’re ready to take control of your financial future, this podcast is your shortcut to creating sustainable, long-lasting wealth. Forget Wall Street’s 4% “safe” retirement model or risky investment fads. Instead, Rich will show you how to build wealth smarter, faster, and with less risk—all while keeping your time and sanity intact.Whether you’re a:Real estate investor looking to scale your portfolio without overleveraging...Private money lender searching for higher, more predictable returns...Entrepreneur ready to grow your income streams and outsmart traditional financial systems...Or a professional tired of working harder just to stay stuck in the rat race...This show is your blueprint to financial freedom.Every week, Rich shares his proven money frameworks—strategies designed to grow your wealth faster and more sustainably, all while protecting what you’ve worked so hard to build. You’ll learn how to:Achieve 30% to 50% annual returns without relying on the stock market or complex schemes.Put your money to work for you, so you’re not trading your time for dollars.Avoid the pitfalls that keep most people broke and stressed about money.Unlock the same wealth-building secrets banks and the rich use to grow their empires.But this is more than just a podcast—it’s a movement to help you flip the script on your financial life.If you love podcasts like The Suze Orman Show, The Dave Ramsey Show, or BiggerPockets Money Podcast, or if you’re inspired by money minds like Grant Cardone, Robert Kiyosaki, or Tony Robbins, you’ll feel right at home here.No fluff. No gimmicks. Just real-world strategies to grow your money smarter, faster, and without the stress.It’s time to stop following the same tired advice that keeps you stuck in the grind. It’s time to grow YOUR money. Let’s reclaim your financial freedom together.
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