Episode 44: Negotiating a Discounted Payoff

Real Estate Note Investing · Jun 18, 2026 · 5m · transcript

Most note investors know a discounted payoff sounds simple — but without the right language and the right structure, you leave money on the table or let a borrower stall indefinitely. In this episode, we break down how to negotiate a lump sum settlement that works for both sides.

🔍 What you'll learn:

✅ Why discounted payoffs are reserved for negative equity situations — and the exact language to use when a borrower with equity asks for one

✅ How waiving arrears and late fees creates a meaningful concession without reducing the principal balance

✅ Why whoever speaks first with a number loses —…