Will Harvey joins Jen Josey on the REIGN Podcast to break down the hidden world of seller finance notes and hard money lending. The conversation covers how owner-financed notes get created, why they trade at a discount, and how investors can generate passive income by buying paper instead of owning property. Will explains the mechanics of both full and partial note purchases, including how partial purchases create liquidity for sellers while generating yield for investors.
The episode dives deep into hard money lending, covering how Harvey Capital evaluates borrowers, underwrites conservative ARV projections, and structures deals with strong exit strategies. Will shares practical lessons from real deals — including why focusing on borrower quality and having a clear refinance plan can dramatically reduce lending risk. He also discusses his journey from mortgage lending to house hacking to flipping to managing multiple investment funds.
Will and Jen also cover the role of faith and family in building a business, Will's morning routine and systems thinking, and how he uses AI to scale operations at Harvey Capital. A practical, numbers-driven conversation for any real estate investor looking to move beyond traditional flips and rentals into note investing and private lending.