—

Listen to the podcast here

Knockout Returns with Donna Bauer

I’m excited to be here and we’ve got two for you on this show. We’ve got me and the amazing woman, the myth, the legend, the original note buyer she likes to call herself, our good friend, Donna Bauer. Welcome, Donna.

Scott, thanks for having me on. This is awesome.

I’m glad to have you here as well. How’s your season going? Are you having a good time?

It’s awesome. I have a built-in pool and I have used it more this year than the entire time I’ve lived in this house.

There’s nothing wrong with making money while you’re sitting in the pool, is there?

I have my iPhone and I’m on my raft in the middle of the pool. I did lose two iPhones.

That allows you to keep up with the technology. There’s nothing wrong with that as well. For the few people that don’t know who you are, why don’t you tell us who Donna Bauer is? Who’s the original note buyer?

I have been buying notes for 30 years. I was a typical soccer mom. I was looking for a way to better my family’s financial future and I started doing notes on my dining room table. I had been doing it ever since. I teach people all over the country how to buy and sell. I like seller finance notes, but I also do the nonperforming. Anything having to do with notes, I do it.

Which is what happens with most of the note investors. We all dabble in a few different things here or there, whether it’s performing, nonperforming, owner financed, institutional paper, residential or commercial. The beauty is once everybody understands the basics behind the paper, they realize the power in it.

People who have been doing real estate for years might have 40 or 50 properties. Then they find out about notes and say, “Why was I ever doing real estate? I should have started with notes. Tell me how that works.”

Knockout Returns: When people who have been doing real estate for years find out about notes, they say, “I should have started with notes. Tell me how that works.”

Why don’t you share with people your first note deal? I always like to ask people if they’re doing some things, different memories, and stuff about that. Donna and I are both speaking at Midwest Notes Summit taking place up at the great Wolf Lodge outside of Mason, Ohio. We’re excited with our friend, Vena Jones-Cox up there. I’m always excited to speak with you because for the most part, I would say for most people, most investors, it’s a pretty friendly community. There are only a few bad, grumpy apples in the business. Donna, I know that you’ve got started when you were two years old with your first note deal. Why don’t you share how did that happen? How did you get involved in the notes?

It was funny because I wanted to do property management because I was eight years managing the downtown high-rise office and stuff. I took this attorney out for lunch and I was wanting him to teach me or let me manage his properties. I was starting my own company and he said, “No, but I’m looking for somebody to run my note business,” or mortgage business is what they called it back then. He taught me the business and went to Jimmy Napier’s seminar and every seminar I could go to. That was the beginning of me getting into notes. It was pretty awesome. I closed my first deal. That is my favorite deal. It was the coolest thing. Back then you couldn’t buy lists, it’s not like today where it’s easy. You can get lists all over. I literally went down to the Hamilton County Courthouse and spent the whole day down there gathering up the mortgagee index list. I spent the whole day and came back with six names. You wouldn’t get very far on that. It’s a good thing we can buy list. I was ready to throw in the towel. I thought there’s no way. I can’t get a babysitter and spend all my time at the courthouse and then I thought, I worked hard for these. I sent out six letters and my first deal came from one of those six letters, believe it or not.

Was it somebody wanting to get out of their owner finance note or a family needed help or what was the situation?

It was two brothers and they had inherited a free and clear four family over in Price Hill, which is not that great of an area now, but back then it was nice. One was very responsible. He took care of everything and then David, the one that called me, was a complete bum. He couldn’t hold down a job. He wouldn’t help with the property. David, the responsible brother, buys out and it was $57,000, but he put $25,000 down. It wound up that he had a $28,000 mortgage first mortgage secured by $114,000 property. What was so cool for my first deal, I did a partial on it. I bought 36 payments and I wound up making $1,700 on that. Then I sent him a letter and said, “David, it has been a pleasure doing business with you. In fact, if you ever want to sell the rest of the note, I’ll give you $6,000 for the rest.”

A couple of months later, I got a call from David and I am not kidding you, he was in jail. This is his one phone call. He didn’t call his mom, he didn’t call an attorney, he called Donna. I got a notary from the Cincinnati regroup. Literally, we went into the Boone County Kentucky Jail and they locked me in the jail cell. I bought the rest of his notes sitting in the Boone County Kentucky Jail. That’s why I’ll never ever forget that deal. The good part of it is I made $5,372. That was 30 years ago and that was life-changing. Scott, I know you know this but maybe some of the readers don’t. It wasn’t that the $5,000 was life-changing, although that came in really handy considering I was babysitting for $1 an hour, it was that I did a deal. I proved to myself that this works and there was nothing stopping me after that. That’s why it’s so special.

When we see them do their first deal and the lights go off, there’s nothing better than that.

Once you close a deal and you understand that it works, there’s no stopping you. It’s amazing because whenever you start something new, there’s always this little voice of doubt, “Will this work or not?” Once you know that it does, the sky is the limit.

How has your business changed? What’s probably been the biggest change over the last 30 years for you as being a note buyer?

There have been lots of cycles. I started out working at home, then I went to an office, then I went back home, then I got another office. I had a huge staff, then went back home again. I’ve been all around. That’s the beauty of doing the notes. You can totally tailor or make your game plan to fit your life as well as whatever is going on in the marketplace. I will tell you at this point in my life, I’ve got six grandkids and I love being at home. I love not having employees and that’s where I’m at right now. That’s why things are so different between you and I. Fifteen years ago, I’d be rocking and rolling like you are doing the nonperforming notes but for me, I’m enjoying the seller carrybacks and I still do some of the nonperformances.

That’s the beauty of it. There are so many different opportunities out there. That’s what I wanted to bring up next is there are so many different opportunities. What do you say to somebody who says, “I can’t find any deals?”

Then they’re not looking. Take off the blind folders. Get out of your house, get off the couch. It amazes me that people think these deals are just going to drop from heaven. They can, I’m a believer, but the fact is that you need to be out in the market. You need to get where the deals are, get where the people are. Scott, I don’t know about you, but I’ve done all types of marketing and the best marketing is networking. People think that’s so abstract. It’s not like buy 500 names and send out letters. That’s a real matter of fact to this. My students put it on their calendar. I’m spending one day a week and I’m going to go here. I’m going to visit these banks, they’re going to do this. Those are the people who are successful. If you ask, “Where did people find deals?” we were talking before and you were talking about the meetup groups. My young nephew, his first deal came from a meetup group. He just stood up and said, “I buy notes,” and the guy said, “I’ve got a note.” He said, “I know somebody who’s got a note,” and he makes $15,000 on that deal. He was 21 years old.

Knockout Returns: The best marketing is networking.

That’s the thing that people don’t realize. You have to open your mouth and talk to people.

If you’re sitting at a soccer game or wherever you are, ask people, “What do you do? I buy notes. Do you know anybody who’s ever carried back a note? Do you know someone who’s in trouble with their mortgage? Maybe I could buy the note from the bank,” that kind of thing. You have to open your mouth.

Networking is important. You’re going out and sending letters to owners, finance owners is a big player that you do on a regular basis. Someone told me, he says, “If you plant a seed today, you’re not going to harvest tomorrow.” It’s all about a process and building a pipeline.

That’s the networking. It comes over time but there’s also like mentioning networking, it’s not just random. What you want to do is look for people who carry back notes. I’m referring to seller carrybacks. I will use a completely different technique if I was going to do the nonperforming. For the seller carrybacks, probate attorneys, real estate attorneys, divorce attorneys, when people get a divorce and they divide up the equity, a lot of times one partner takes a mortgage for their share of the equity. Then they want to cash out of it. Probate attorneys are great because when their client passes on, they’re trying to get some cash for the heirs and so that works out well. One of my new students is a mortgage broker and he sent out an email to his list of clients. He immediately comes up with a seller finance note. We close that and he says, “Donna, there’s a lot more where that came from.” I said, “I’m ready, bring it on.”

I will totally agree to that because as an ex-mortgage broker, you see a lot of people’s financials. If you’re decent and when you’re filling out the 1003 loan application, that’s a great thing that most people don’t realize out there. There are lists of mortgage brokers you can buy in states, using the national MLS or going to your local mortgage banker’s association meetings. That’s a great tip there. I love the divorce deal, I didn’t think about that. The divorce deal as well is there. The attorneys were used to it because we see a foreclosure list and you see an attorney foreclosing for an individual or an IRA company as well. Those are three big nuggets right there.

Financial planners are also good because they knew exactly what people are holding.

What do you say to those who are mailing letters out and they get people to call them back in and they don’t want to take a discount? Have you ever run into that?

Sometimes we do. I explain to them that if I’m going to give you money today and I have to wait for the money, I usually say, “Do you want $50,000 today or $50,000 over twenty years?” If I’ve got to wait twenty years to get my money, then it’s not worth $50,000 for me right now. I explain that if he’s going to be able to take that money and invest it in 20 years, he could have over $100,000. Here I am sitting here collecting the payment. That’s why it’s worth less money because of the earning power. I have to wait for my money.

Usually, I don’t have a problem with it. It’s only when people don’t need the money. If they don’t need the money, I wouldn’t take a discount either. If they need the money, they understand. A lot of it has to do with the quality of the note. Sometimes I need to explain this person has bad credit. I’m not sure, I may need to foreclose on them. It might take me years to get paid or they’re not going to be able to pay that. I’m going to have to let that pop the balloon as they say and let it pay off over time. I explain or maybe it’s a zero interest note and I’ll say, “I could put my money out and be collecting 10%, 15% interest. Why would I want to invest in a zero interest note? I’ll buy it for less if you want to sell it for less.” The bottom line is that I give a fair price and if they want cash, I get the deal. That’s it.

Knockout Returns: I give a fair price and if they want cash, I get the deal. That’s it.

You are an expert and I love the way that you teach the financial calculator as well. You teach it better than anybody else out there in the industry. It’s a simple tool that most people don’t understand. It’s so valuable. I even have this on my smartphone calculator where I can take a look at it.

I liked it on a smartphone because you can see the memory, whatever is left in the registers. I use my smartphone more than I do my calculator for that reason. You don’t need to have a calculator. If you’re just flipping notes, you find somebody and they want to sell the note for $50,000 and you send that to me or to you, to a note buyer and they say, “I’ll give you $75,000 for it.” That’s an easy flip. You can do it without using the calculator but I’m a nerd like that. I like to get in there and go, “If I bought it this many then I could make this rate of return, but maybe I should buy this many.” I love doing that.

Somebody taught me this years ago. We used to have this mastermind group with four or five people. I was the only woman way back then and I went in. I was closing a deal or two a month. This was the first year that I was in business and I was bored. One of the men said, “Donna, you’re doing this all wrong.” I go, “What are you talking about? I’m closing deals.” They said, “You need to start looking at how you can make more money instead of making $2,000 on a deal. Let’s restructure it. Let me show you how you can change your offer and make $5,000.” He was so right and I’ve been doing it ever since.

I’m so glad you brought that because so many people, when they get into real estate, they get scared, “I don’t have the money. I don’t have the credit.” It’s like a hot potato is what I like to say, just give me something. There are a couple of ways to structure this. Let’s learn and dive into a little due diligence because you may be leaving a lot of money on the table. There’s nothing wrong with wholesalers. We all need the deals that they can’t take down, but private capitals are easy to raise these days. Wouldn’t you agree with that, Donna?

Absolutely. The people want to invest in notes because you have the security of the real estate, but you don’t have the headaches that go with it. It is, have your cake and eat it too.

Do you have any tips for those who are looking to raise capital? Any tips you’d like to share?

Probably we’re talking two different things. When you talk about raising capital, are you talking about raising millions for a pool or what are you talking about?

I’m talking about someone who got a deal and they need some capital to take it down. We’re talking about bread and butter play for the most part.

A key thing is establishing rapport with a private investor. I love working with real estate investors because they do appreciate the security. A key thing that I do is I put together an executive summary. It makes it a no-brainer. I put cashflow available, 100 payments of $500 a month. Cash investment required, expected rate of return, loan to value, fair market value of the house. He attached the appraisal and then I write up a little summary about it. Basically, I have the summary. Then I have all my supporting documents, my appraisal, my title, a copy of the documents. I lay it all out to him in such a way that they go, “This is a done deal. I’ll wire the money. Where do I send it?” It bothers me because I get people sending notes to me all the time, “Do I want to buy them?” Scott, you probably get this too, I don’t even know what they’re selling. Once I was sent a nonperforming note and wanted me to get involved in and I didn’t have a clue what the deal was. You need to be very succinct and explain exactly what it is. Quite frankly, I probably turned things down just because I can’t sort them out. Whereas if they had sent me a good submission form and if they were clear about what they have, I might have made an offer on it.

A confused mind is a no mind, that’s what I like to say.

The other thing that is so important in dealing with investors is I never sell an investor a note that I would not personally buy. That doesn’t mean I don’t want to invest in California, but I would sell a California investor a California note. If I lived in California, I would not buy it if there’s a red flag that I don’t think it’s a good note, I turned that down. You need to treat your investors well, take good care of them, always be honest with them and straightforward. What happens is they keep coming back to you for more. I don’t know about you, but I have investors. People think that you need this huge database, you don’t. The notes pay off, the people keep coming back and they tell their friends.

The best thing is if they say often when you send them a check when they closed on a deal is, “When can we do this next?”

I had one fellow who bought my first note. He was the person that encouraged me to learn notes. This was right at that same time when I was meeting with this attorney. I did over a hundred deals with this man over the years and it was completely awesome. He’d say, “Donna, so and so just paid off. I’ve got a check for $75,000. Do you have anything?” I would tell him on the phone, “I got this and it’s a 12% return, a 60% loan to value.” He’d say, “Write it up. I’ll be over tomorrow with the check.” Literally, he would sit down, look at the package that I put together and he handed me a check. You have to understand we had done a lot of deals by the time we got to that point.

You said one thing, an executive summary on the deal. We’re not talking Reader’s Digest abridge version. We’re talking one page, two pages about the deal, some photos that make it look like you did some due diligence on the deal. I’m talking about more than just written off Zillow page, “Here are the realtor’s full comps on the property, here’s the last twelve months of payments, here’s what we got from the hedge fund, the original BPO updated values.” This is not rocket science we’re talking about. We put them together and talk in your strategy. What’s your plan of action to take this deal down? Then the important thing, what will you do when things go wrong?

They need to know that and honestly, with my seller carryback note, it’s very seldom they ever go wrong, but you have to prepare for the worst because you don’t know what’s going to happen. If they say what a safe loan to value and everything, they’re going to make a higher rate of return if it goes bad. I have people who wish their notes would go past to take the property.

Knockout Returns: You have to prepare for the worst because you don’t know what’s going to happen.

I was looking at a note and it’s the same thing. We’re like, “This is the deal that you hope the bar goes bad on it.” You don’t want to collect this monthly payment. You want them to not perform so you can get the asset.

In the past, I always said you’ve got to have an appraisal in the file. I am so fed up with appraisals. They can be anything you want them to be. I had been doing my own research and I get a spread. I understand that Zillow and Trulia and those, you can’t rely on them. If you check enough places and you check the tax auditor site and everything, I feel like I have a better handle on it than if I get a full-blown appraisal. Have you run into that?

$400 for an appraisal is not worth the paper it’s written on. You always need to put eyes on the property and you need to have the person that’s looking at the property to be the one to pull a CMA for you. You pay for a BPO, but those big BPO companies, often it’s an established agent who’s sending the system out or they’re just jumping on pulling a CMA, not looking at things. I’m a big believer of knowing the high to the low, what’s going on in the market, how does our asset compare to those assets? Then looking at what’s pending, what’s sold and any actives that are there in those days on markets.

The way I look at it, if I’m going to sell a note, if I have to take a property back, I’m going to try to solicit at $0.85, $0.90 on the dollar to get the thing moved at worst case. I don’t list it to full value because I don’t want it sitting out there rotting. Then I’ve got to drop the price down and concede concessions. I’d rather list it to 85, get a multiple offer situation and then have a bid up. People don’t realize that. A lot of people will get the idea, “It’s worth $100. It’s probably worth $75.” Let’s not cap out your investor at $0.60 on a dollar of $100. Let’s do it at $60, $75, so it’s safe. Then worst case you get a little bit of the back end of it if it turns out that way. It’s better to err on the side of conservative values.

We’re definitely on the same page there, so that’s good.

I was talking here in my office, we’ve got a mortgage company here. As people are starting to realize that rates aren’t going down, rates are going up. I’m sure you’re seeing that property values are starting to dip. We’re seeing it all across the country. The beauty of our business is we’re recession-proof. Won’t you agree to that to a certain extent?

If you buy right and if you’re careful about your loan to values. What I love about it is for people who are ultra conservative, you can totally control the safety of your investment, just by a partial. If you don’t want to be at an 80% loan to value, just by the first five years of payments, get yourself in at a 25% or 30% percent loan to value. If the market falls apart, you’re still going to get your money. Everybody has a different place. They have different levels of safety and where they’re comfortable, they have different goals. Some people are wanting cashflow, other people want a lump sum of money, other people are building a retirement. Some people work full-time and they only have part-time, where they can do any investing. The beauty with notes is you can totally do whatever works for you, depending on what you’re trying to accomplish.

For those that don’t know, Donna and I were on a radio interview with our friend, Vena Jones-Cox, sparring back and forth. Coming up to the end of September, you’ve got a big workshop, a big training class as well too. We’ve had you on Note CAMP before. That had been a great success with that. You’ve got an event going on. You want to talk a little about what goes on in your workshops and events. They’re usually a couple of days, aren’t they?

They are four days. It’s on September 27th. It’s at the same time. There’s no camp, unfortunately. We need to plan that from now on. It’s Thursday through Sunday and it’s four days. It is me teaching all four days. I might have one or two. I always ask Alan Cowgill to come because he is in private lending. It fits so nicely with the notes, but it’s very cool. I do teach. I provide all the food, which is a little different. The biggest complaint I get is that people gained ten pounds from being there. The atmosphere is amazing. It’s in an iconic hotel. It’s around a hotel, The Radisson, with a revolving restaurant. We go up there and you get a chance to meet people and network. You know how important networking is.

After learning all about good paper and bad paper and creating paper and how to use a calculator and all those things, on Saturday night, I take everybody on a riverboat cruise. It’s a BNB riverboat and they have a replica of the old paddle boats. We’ll have a nice dinner and cruise up the river for an hour and a half and come back down. It’s fun and you’ll learn a ton about notes. When people leave there, they feel like they’re experienced even though they haven’t, they’ve never bought a note before. You make lots of new friends and the synergy that’s created. Just like the synergy on your Note CAMP. Whenever you can get a group of like-minded people together, things happen.

It’s getting to know different people’s perspective. Plus, you get to build networks there, people you can reach out to. I buy from students, I sell the students different things. We get pools in, it’s a whole network and there are still so many deals out there. It’s not like the wholesale markets out there or the people that are on the REO refugees that are dying for a deal. It’s such a friendlier community. People sharing resources like, “Check out this person or use this attorney, he’s going to foreclose or use this servicer.” It’s a great thing to put out to somebody. It’s a good tip for finding owner finance notes that you’re looking forward to buying, reach out to the servicers. They often are servicing on finance notes as well and have people there who are looking to sell off some of their portfolios as well. We’ve seen that happen.

Title companies go along with that as well. That’s very good also.

One of the best things you can do as a real estate investor is make friends with your local title agents, the closers. They’re the spoke in the middle that brings everything together in local real estate communities. We’ve always raised capital, always found investors, always found great resources by taking them out to lunch or figuring out what kind of wine they like.

You were asking before about, “Are there still notes out there?” A lot of people say now that the market’s recovered, there aren’t as many nonperforming notes. I bought my first nonperforming note a long time ago. Within the first year that I was in business, I was buying nonperforming notes. The thing is, you go with the flow. The market goes up, it goes down and you just get ready. You switched depending on what different tools you use for finding deals, but they’re always out there. If it’s not a cash deal, it involves a note mortgage or a note and deed of trust. You just go with the flow and it’s been great for me for 30 years. I’m going to keep on going until I can’t do it anymore.

Knockout Returns: The market goes up and it goes down. You just have to get ready to switch depending on what tools you use for finding deals.

You’re living in Ohio, what part of Ohio do you live in?

In Hamilton, just north to Cincinnati.

Ohio, I believe, is like the pot of gold at the end of the foreclosure rainbow.

I’ve heard that. There are lots of deals here.

The same thing in Michigan as well. We were up in Michigan looking at some assets. We’re closing some things there. I used to buy a lot in Florida years ago and that market has rebounded strongly. That’s what I get at when you live in an area, you don’t have to be investing in California, not to be investing in down here in the lone star State in Texas.

I’m still buying a lot of notes in Texas. In fact, the second note that I bought was from Texas.

Do you remember what are the details of that one?

That was too long ago. I remember the file, but I can’t tell you the details.

It’s great in Texas where they stood everything fast, fast highways, fast foreclosures, fast executions. It’s a desirable state for people to lend in. We’ve been pretty solid value, especially in the last ten years. Things have gone up here a little bit. When the downturn happens this time around, we’re probably going to take a little bit more of a big hit. That makes me want to ask you, where do you think the market is going in the next 24 to 36 months? If you have a crystal ball, what would you say?

I do see that the market has made a turn and I think that the property values are going to go back down. It’s cyclical, that’s what happens. I’m hoping that people learned from the previous mistakes, but I’m sure they haven’t. Hopefully, we won’t hit bottom like we did before. There’s enough in place, I don’t think that’s going to happen. I don’t think that it’s going to be any worse than any other time when the market took a downturn. I don’t expect another 2008. I don’t at all. No one ever knows what’s going to happen, but that was like the perfect storm of everything happening all at one time. I don’t see that happening. Real estate is cyclical. It’s always going to be a constant. It’s going to go up and then there’s this retrenchment where everything adjusts. Then it comes back down. That’s the nature of it. The beauty of doing notes is that regardless of whether you’re on the high end or the low end, there’s always something you can do with notes to make money.

That’s what I love about this business. You’ve got to tweak some things. I treat my business for the last couple of years, we were buying a lot of first liens and then as the market change, we’ve been buying a lot of contract for deeds. We’ve also bought some owner finance notes. That’s what I’ve been telling people that wherever the paper is at, the papers is at. You can’t be the ones still stuck in the ways that you don’t evolve. When everything evolves, you have to learn to go with the flow and knock out the deal when it appears on your plate.

People have the idea that I don’t do nonperforming notes and that simply is not true. I love the seller carrybacks. I like dealing with them. They’re much easier. The big thing, the main reason that I prefer the seller carrybacks is that I can systematize them. I can personally deal with a large pipeline of seller carryback notes but the nonperforming notes, while you make usually a lot more money on them, they take so much longer. When I had seven people working for me and that was great, we ran a great pipeline of nonperforming notes of both, but there were more nonperforming. For me, and especially because I coach my students, I can’t coach all my students on nonperforming notes. There is not enough for me to go around, whereas with the seller carrybacks and I do have some people on the side that I can outsource too when things get busy. That’s why I prefer the seller carry backs. I still buy nonperforming notes. Believe it or not, I am building a small rental portfolio because it’s a wise thing to have a balanced portfolio. I’m using the defaulted notes.

When somebody sends me a pool, I look and if there are any in my area where I’m farming, then I try to buy that note. Then I’ll either negotiate and get the deed from the borrower or I’ll go ahead and step into the bank shoes, foreclose and get the house. I’ve done very well in just getting the deed from the person. It makes a big difference when you can drive over there and knock on their door. You’re right there and you can talk to them. The defaulted notes are a great way for me to acquire properties and so your life changes. Just like the real estate goes through cycles, so does your life. For me, using those to acquire properties is working well.

Knockout Returns: Just like the real estate goes through cycles, so does your life.

Where’s your rental portfolio? In case I see anything, I can send over to you.

In Hamilton.

Donna, how do people get a hold of you? What’s your website? What’s the best way for people to reach out to check out your schedule of events, the classes that you’re offering up?

Check out TheNoteBuyer.com. You can contact me through there. I’ve got all the information for my academy on there. I’m starting a member’s area and a blog. There are a lot of good videos on there, lots of information that you’ll enjoy.

Donna has 30 years of note knowledge out there, the ups and downs. She has gone through a few cycles and somebody is doing performing, nonperformance, stuff like that. That’s why we bring her on the show here with everybody else out there. We love bringing on great people who have great energy, love to share, have a big heart because that’s how we all win. It’s how we make America great again. One note at a time, by working together to make things happen.

Next time you’re going to be on my webinar.

The thing is that I don’t think there are enough people out there sharing what’s going on in the market for the most part. There are a lot of people that are scared, the naysayers that you can’t do it. You can do this business, whether it’s on the nonperforming or the performing paper. Paper is paper.

I appreciate what you do, Scott. I appreciate you’re getting the information out there to everyone. It’s awesome because you’ve done a huge job in educating people and I appreciate your niche. Ten years ago, I might have been doing the same thing as you, but it’s not for me right now.

It’s time to start tweaking some things of what we’re doing. Steph and I had been talking about some things and some changes that we’re going to be making relatively shortly. I’m pretty stoked about it. I always respect you, Donna, and I’m glad to have you on here. Thank you so much for taking time out of your busy day.

Thanks again, Scott. I appreciate it.

You’re welcome, Donna. Have a great day. Thank you so much to our audience. Feel free to share us out on Facebook, iTunes, Stitcher, Google Podcast. Go on over and give us a five-star review if you’ve enjoyed. You can reach me Scott@WeCloseNotes.com. We can help you in any way, form or fashion. Check out the replays or the live videos in case you’ve missed out any episodes by going to WeCloseNotes.TV as well. Go and make something happen. We’ll see you all at the top.

Important Links

• Donna Bauer
• radio interview of Donna and Scott with Vena Jones-Cox
• TheNoteBuyer.com
• Note Closers Show on Facebook
• Note Closers Show on iTunes
• Note Closers Show on Stitcher
• Scott@WeCloseNotes.com
• WeCloseNotes.TV

About Donna Bauer