Are you unknowingly risking your deal with owner finance?

In this episode of The Den, hosts Ben Lyons, Aspen Grown, Shannon Martinez, and Paul Barry dive into the top mistakes people make with owner financing. With hundreds of millions in sales and decades of real estate experience, the team breaks down real scenarios that could cost buyers and sellers big. Whether you're looking to finance creatively or just want to avoid the pitfalls, this episode is a masterclass in what not to do. Learn why title companies matter, how balloon payments should be structured, and what happens when taxes or insurance slip through the cracks.

Key Takeaways:
• Understand the difference between legal and equitable title
• Why closing through a title company protects both parties
• How federal tax liens can attach to your property
• What happens if a balloon payment can’t be met
• The dangers of a deficit closing and how to spot one
• Why verifying financial terms is crucial before signing
• Common misconceptions about rent-to-own vs owner finance
• How escrow protects buyers and sellers alike
• Strategies to protect against unpaid taxes and insurance
• The pros and cons of long-term amortization vs balloon structures

Best Moments:
00:00:06. “And today, we're gonna talk about top mistakes people make with owner finance.”
00:01:00. “You don't want to make mistakes in real estate, especially with owner finance.”
00:02:23. “If you do it right, it could be very advantageous for both sides.”
00:04:07. “You might be having to negotiate again or working on getting your property back.”
00:07:00. “I trusted information given to me by the seller without verifying it.”
00:10:18. “Title companies won’t close a deficit closing nowadays.”
00:13:00. “If it's not recorded, you have no legal right to that property.”
00:15:40. “You're probably going to have to qualify for both loans at the same time.”
00:20:15. “If you don't go through proper channels, you can be in big time trouble.”
00:27:03. “There's actually a lot more ownership and responsibility in it.”

Website: sjcbroker.com

TikTok: https://www.tiktok.com/@thelyonsgroup4c
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Ever had a creepy feeling during a showing? You're not alone.

This special Halloween edition of The Den, powered by the Lyons Group, dives into real-life horror stories from the world of real estate. Hosts Ben Lyons, Shannon Martinez, Paul Barry, and Aspen Groen share spine-chilling experiences that happened during open houses, client showings, and vacant home visits. Whether it's creepy crawlspaces, haunted homes, or people who just gave off the wrong vibe, these are the stories you won’t forget.

Get ready for laughs, goosebumps, and some serious reminders about realtor safety. If you’ve ever set foot in a listing, this one’s for you.

KEY TAKEAWAYS
• The most unsettling moment Shannon ever had during an open house
• What crawlspaces reveal about safety risks in real estate
• Paul’s ghostly family history and why he’s scared of basements
• Aspen’s Denver story involving hoarders, creepy beds, and a very dark cellar
• Why painted eyes on blinds are a serious red flag
• Realtor instincts and the importance of trusting your gut
• How Whitney’s energy reading confirmed a haunting
• A high-end showing gone dangerously wrong
• Why buddying up for remote property visits could save your life
• Tech and safety tips for modern real estate professionals

BEST MOMENTS
00:00:36. “Today is our Halloween version of real estate. And we're gonna talk about some scary stories.”
00:02:34. “And I whipped around really fast... there's a guy who's like, literally this close right behind me.”
00:03:47. “He said, I have some questions about some things I found in the crawl space.”
00:05:07. “You going to murder me down there?”
00:10:34. “I'm afraid of the dark.”
00:14:22. “We walk into this one room... it has a medical bed just like, there.”
00:19:26. “On the blinds were painted eyes. Huge painted eyes.”
00:21:25. “There’s just people... like, I always see people standing in the kitchen.”
00:24:06. “She turned around and ran out the front door... he was beating on the window.”
00:27:05. “They don’t see anything in the house other than a tripod and a camera set on top of it.”

Website: sjcbroker.com

TikTok: https://www.tiktok.com/@thelyonsgroup4c
Instagram: https://www.instagram.com/thelyonsgroupfourcorners/

Facebook: https://www.facebook.com/TheLyonsGroupFourCorners

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Fall in the Four Corners is more than just cooler weather and changing leaves. In this episode of The Den, powered by the Lyons Group, the team dives into their favorite local traditions, festivals, and fall-time favorites. From green chili roasts and hot air balloons to mountain bike races and funnel cake stops in Silverton, this episode is packed with seasonal charm and community connection. Whether you're new to the area or a longtime local, this conversation will inspire you to get out and enjoy everything autumn has to offer.

KEY TAKEAWAYS
• Roasting green chilies is a signature Four Corners fall experience
• Hot air balloon rallies bring joy and surprise across the region
• The Road Apple Rally is the longest-standing mountain bike race in the U.S.
• Fall festivals hosted by schools and churches create nostalgic memories
• James Ranch is a must-visit for fall soups, farm-to-table meals, and local beauty
• The Durango to Silverton railway is a scenic fall highlight
• Farmers markets showcase local meats, produce, and handmade goods
• Pagosa Springs and Durango Hot Springs are perfect fall getaways
• The Highland Celtic Festival adds unique seasonal flair
• Fall is the perfect time to connect with your community outdoors

BEST MOMENTS
00:01:43. “Well, I grew up in New England, so fall for me is about leaves changing, you know, getting colder.”
00:02:13. “Yeah. You remember the pumpkin shooting? That was awesome. It was like a potato gun on steroids.”
00:03:00. “Towards Silverton it is absolutely gorgeous up there. The leaves are like prime time right now.”
00:03:27. “I love when I just walk outside my house and there is hot air balloons all in the sky.”
00:05:05. “The churches do fall festivals, which are always fun. You know, they’ll have petting zoos and food trucks.”
00:07:01. “Speaking of what is one of the specific events that comes to mind when you think of fall here in the four corners?”
00:08:09. “If I ever fell in real estate, you're going to see me driving a little food truck around.”
00:14:45. “I literally, they have this little thing. They give you your awards and your shirts and a little after party thing.”
00:23:25. “Well, on October 4th, they are doing the growers market here in Farmington.”

Website: sjcbroker.com

TikTok: https://www.tiktok.com/@thelyonsgroup4c
Instagram: https://www.instagram.com/thelyonsgroupfourcorners/

Facebook: https://www.facebook.com/TheLyonsGroupFourCorners

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