Episode 28: Fractionalized Notes Made Simple: How the Math Actually Works

Can a $50K investment earn you a 50% return with minimal risk? In this episode, Rich Lennon breaks down the math behind fractionalized notes, a powerful lending strategy savvy real estate investors use to maximize returns while protecting capital. This episode is a must-listen for anyone intrigued by passive income, private lending, and wealth building through real estate notes.

You’ll Learn How To (Top 4):

• Set up a fractionalized note that returns 20%, 30%, or even 50%
• Use other people’s capital to earn more with less
• Understand the role of lazy money and its returns
• Protect both your investment and your partner’s capital in deals

What You’ll Learn in This Episode:

(01:26 – 01:44) What is a fractionalized note?

(02:42 – 03:23) A $200K loan breakdown at 20% yields $40K.

(04:34 – 05:09) What makes lazy money secure?

(05:45 –06:35) What is a 50% ROI scenario?

(07:33 – 08:48) You take a higher risk and deserve a higher reward.

(09:06 – 10:13) Why does lazy money dictate the deal size?

(10:17 – 10:21) Rich’s rule: invest 50% to reduce deal volume

(10:29 – 10:33) Where can you go deeper? Download the free “More Than Wealth Blueprint.”

Who This Episode is For:

• Private lenders looking to scale smart
• Real estate investors interested in passive income
• Professionals with capital seeking secure returns
• Financial educators or advisors exploring fractional finance tools
   

Why You Should Listen:

It’s hard to find content that breaks down private lending without fluff. Rich gives a practical, math-based explanation of how fractionalized notes are used to build wealth through smart investing, not just theory.

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Website: https://richlennon.com/

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