Keith's story is proof that constraints breed creativity. With only one hour during his military lunch break to build a business—dealing with 6-hour time zone differences between Hawaii and the mainland—he developed systems that eventually generated $330,000 in net profit.

Get Keith’s info: https://bit.ly/4adxYeO

Episode Highlights

• The emotional cost of military service and why it drove him to real estate

• Four years of losses before breaking through

• Building deals across 34 states 100% virtually

• The three-part profit center of note investing (cash now, cash flow, cash later)

• Real-world Florida examples of insurance killing deals

• Why killing bad deals is more important than doing deals

• Professional underwriting as legal protection

• AI and automation replacing 389 manual tasks

Key Frameworks Discussed:

The Four Variables: Seller needs, investor needs, property's highest use, and market cycle

The Three Currencies: Time, Money, and Energy

Reasonable Worst Case Scenario Analysis

Keith now runs REI Automated, offering multiple software solutions for real estate investors including live data scraping, AI valuations, and comprehensive automation systems.

Topics: Note Investing, Wholesaling, Fix and Flip, Rental Properties, Subject-to, Wrap Notes, Seller Financing, Real Estate Automation, Military to Entrepreneur

(00:00) Introduction

(02:15) Missing his children's births

(05:30) Rich Dad Poor Dad transformation

(08:45) Investing in Hawaii challenges

(12:00) One hour lunch break strategy

(16:30) Four years of struggles

(19:45) Breaking through to $330K

(23:15) Wholesaling to fix and flip

(27:00) Introduction to notes

(30:45) Four variables deal framework

(35:20) Florida insurance crisis

(39:15) When to kill bad deals

(43:00) Saving $40K by killing deals

(46:15) Professional underwriting importance

(50:30) ARMLO and servicing

(54:00) REI Automated software

(58:15) 2026 market predictions

Sierra Davis proves that you don't need decades of experience to succeed in note investing—just commitment and consistency. From paying off student loans to managing over 30 performing notes while raising a family, Sierra shares her journey from corporate data science to becoming a prolific note investor in just six years. She reveals how one conversation at Note Expo launched her social media presence, the reality of buying notes that stop performing, and why showing up authentically builds trust faster than any marketing strategy. This episode is packed with practical insights on due diligence, working with servicers, and why conservative 10% returns often beat chasing 20% yields.To obtain this week's Real Estate Notes Show guest Sierra Davis's information, use this link https://bit.ly/45HOYY1 ‪@sierradavisofficial‬ 🔥 TOP HEADLINES FROM THIS EPISODE:📌 First Note Stopped Paying After 3 Months—Here's What Happened Next📌 How I Paid Off Student Loans Early With One Note Deal📌 The #1 Documentation Mistake Even Wells Fargo Makes📌 Why 10% Returns Beat 20% Yields for Long-Term Success📌 Social Media Strategy That Generated Investor Capital in Under a Year📌 Contract for Deed vs. Mortgage: The Risk Tolerance Question📌 AI Tools That Analyze Title Reports and Send Deal Alerts Automatically

Join us for an incredible conversation with real estate veteran Jay Heinrichs, who shares 45+ years of invaluable experience spanning timber, hard money lending, wraps, development, and home building. From starting with his real estate license at 18 to surviving the 2008 crash and rebuilding from scratch, Jay delivers raw, unfiltered insights on market cycles, the risks of sub-two strategies, and why backend knowledge matters more than marketing hype. His journey from California wraps in the Carter years to building 500+ homes post-2008 offers crucial lessons for investors at every level.

🔥 TOP HEADLINES FROM THIS EPISODE:📌 "I Lost Eight Figures in 2008—But Got Every Bank Paid Back"📌 Warning: Sub-Two and Wrap Notes Are Heading for Mass Defaults in 2026📌 Why This 45-Year Veteran Refuses to Use Leverage Anymore📌 From $100K Line of Credit to $75M Projects: The Power of Community Banking📌 The Secret AITD Document That Protects Sellers in Wrap Transactions📌 How Detroit Police Officers Reduced Theft by 95% on Rehab Projects📌 Why Getting Your Real Estate License Is Still the Best First StepTo obtain this week's Real Estate Notes Show guest Jay Hinrichs's information, use this link https://bit.ly/4jpwktv