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Stephan Piscano announces the release of his first book, "Why Smart Sellers Use Seller Financing: How to Earn More, Sell Faster and Beat the Market," sharing insights from his experience purchasing over 700 properties since 2008.

• Book explains how seller financing allows complete negotiation flexibility for purchase price, down payment, interest rate, and term length
• Mathematical formulas for calculating cash-on-cash return and cap rates included as bonuses
• Book primarily focuses on seller benefits while showing how both parties can win
• Interest rate changes from the Federal Reserve don't impact seller-financed deals
• Every aspect of seller financing transactions is customizable, allowing 40+ negotiable elements
• Buyers can secure favorable terms like interest-only amortization or delayed payment schedules
• Knowledge about real estate mathematics has been transformative in Stephan's investment journey
• Future book volume may focus specifically on buyer strategies
• Book available on Amazon, Kindle, and Apple Books starting June 12th

Subscribe to our channel and podcast for more real estate and investment insights, and comment on this video to receive a free copy of the book before its official release.

www.stephanpiscanopodcast.com
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Transcript

Book Announcement and Introduction

Speaker 1 0:40

All right guys. Thank you so much and welcome. This is Stephan Piscano, with the Real Estate Networking Group, the Stephan Piscano Podcast and, of course, vacation Wealth Partners, and we're doing our first ever YouTube live today. We tried to do it a little bit earlier and apparently I'm too old and silly to figure out how to get the audio to work. So appreciate you all joining us, and this is a special occasion. The purpose of this live session number one, honestly, is I just wanted to see how it all works and see if we might use it for some more fun stuff in the future. So if you're in here and you can hear me, then please put a little chat in the chat box. Let me know that you can hear me, okay. And the other main purpose of it is we are releasing our first book ever, which in gosh almost 25 years now in the real estate sector and now going on 17, 18 years here. As the largest buyer of seller-financed income-producing properties and with Vacation Wealth Partners, I'm truly and humbly grateful to say we have purchased more than 700 properties since 2008, vast majority of those with seller financing. We've sold dozens and dozens with seller financing. On the seller side as well. We've done coaching and educational content for 15 plus years teaching others how to use seller financing, but this is the first time that we have ever written a book, and it's pretty simple. It's more bullet points and all that fun stuff, but the name of the book, which I'll put on the screen here, you saw in our little live intro there Again, I'm just playing with stuff because it's fun for me which you saw in our little live intro, we had some fun music which I didn't pick YouTube picked that but we'll get the book on the screen here. The title is why Smart Sellers Use Seller Financing how to Earn More, sell Faster and Beat the Market, written by me and sponsored by all of our great partners with Vacation Wealth Partners. This is going to be available on Amazon and Kindle and everywhere else that you can buy books and e-books, apple books as well. I guess we're going to be producing an audio book for it as well. The fun thing, though, is because you're on this live stream, you get a copy for free.

Benefits of Seller Financing

Speaker 1 3:08

We are going to be selling it at a pretty cheap price, but we are going to be selling these and everybody in the network that wants one which I hope you do and you should, because even if you're a friend of mine or a partner of mine which I know most of the people on here probably are, thankfully partner of mine which I know most of the people on here probably are, thankfully there's a lot of little tidbits in there that we have never made available publicly for sure, and I didn't even really realize myself fully until articulating it for the book, specifically from the seller side. We also have some fun bonuses in there for us on the buyer side the investor side as well that are really fun and just some real simple tools that will be really helpful for beginning investors. There's a bonus page that outlines exactly how to calculate a cash on cash return and a capitalization rate cap rate and then there's a piece in there about how you can use leverage to dramatically increase your cash on cash return, which is one of the best benefits of seller financing, and if you've seen any of my content here on YouTube, you've heard me talk about that a lot. So that's the purpose, guys. So really, I'm just going to sit here and ramble a little bit about seller financing. If everybody could do me a favor and please go ahead and just put some kind of comments. If you'd like a free book, put that in the comments on the live stream here and then we'll have the team reach out to you. We'll get you a copy before it even comes out, because today is what Tuesday comes out, june 12th Thursday. So you'll get it a day or two earlier than the general public will as well, and it'll be free Can't hurt.

Speaker 1 4:46

And, as always, we are trying to grow our presence here on YouTube. We are really kind of shooting up a little bit here, which I'm grateful for that as well. We've got almost 8,000 subscribers now. 12 months ago we had 1,600. It was never really something that we spent a lot of time on. So you know, if you look at it like that, we what is that? That's about a 500% increase in the last 12 months. So anybody that's a part of that. I really appreciate you as well, and if you're somehow watching this and you're not subscribed, then we'd love for you to be a part of our network.

Speaker 1 5:20

Here we keep things pretty simple, simple math, simple opportunities, and we do get access to some of the best earning opportunities. I believe in the country and I think a lot of people would agree with that and, thankfully, back that up, but this one is going to be a great resource. I even talk a little bit in the book and again, it's fairly short. But I talk a little bit about when I first learned, at 19 years old, some of the data that still to this day, more than 20 years later, I use on a regular basis when I'm evaluating a property or an investment opportunity of any kind, whether it's real estate or crypto or stocks, or buying a business, or even with digital marketing, knowing how to calculate that cash on cash return. And I'll never forget it. It was just.

Speaker 1 6:09

I was actually in a Kinko's, I believe, and I was talking with my first mentor in real estate and I just asked him I said, gosh, is there any way to know mathematically so I'm not having a guess with my gut if one rental property is better than another? And I asked him that and he said yep, and then he just walked away because he was kind of that way. He was kind of kind of whatever you would call it. But after begging him uh, quite a bit, he he taught me how first how to calculate a cap rate, which is pretty simple math, then how to calculate the cash on cash return, and he taught it to me in probably less than two minutes, but I'll never forget it and that simple formula and I'm pretty certain that nearly 100% of the people listening to this I know.

Speaker 1 7:01

If you're one of my partners, I'm grateful. I've got, I think, the most savvy partners in the country and a lot of very brilliant people in a lot of very brilliant ways. I know a lot of us most of us pretty much already know that, but I just know how important it was for me and then obviously extrapolate on top of that and almost 25 years later, you look at it and you go, ok, it all starts with that formula. You look at it and you go, okay, it all starts with that formula. Not only did it all start with that and started there, but it continues to start from that. Every evaluation process comes from that.

Speaker 1 7:35

And then the game is just how do you get the biggest and best cash on cash return you can get? Because that's what any investment's ultimate win is is how much money did I put in? How much money am I getting back for that? And then it's just a fun opportunity and blessing to get to figure out the best way to achieve the highest possible return that we can get, and I obsessively love running through those scenarios and I know a lot of people in my network do as well. So, again, this book will just be a fun resource for you to add to the table and we'll see how much interest it gets.

Cash on Cash Return Formulas

Speaker 1 8:12

I mean, you know we we spent some effort on this, but if there's a lot of desire for this type of content, then we'd love to spend even more effort on volume two, because volume two, while this one is mainly I'd say 80 percent of this one is geared towards sellers. Volume two, if we do one, would be geared towards buyers, and that's really my wheelhouse and I think most of my network's wheelhouse as well. So that'll be a lot of fun. And then I've got some fun stuff coming up on the podcast too. Guys, if you watch this and you're somehow not subscribed to our podcast on Apple or Spotify, you should really go over there and do that. And again, you'd make me happy if you did, because I've got a killer interview with one of my closest partners and friends, who's just brilliant.

Speaker 1 9:01

We're going to talk about theC system. We recorded it a few weeks back and been trying to build some extra stuff for it and provide some written content as well, to help realtors and investors be able to use our personality types to get a deal done, which all connects with everything we're talking about here, because it allows us to first identify mathematically what the best opportunity is, and then how can we be the best versions of ourselves to help us achieve whatever that mathematical formula is in a human being to human being level. So grateful for that as well. So again, guys, if you're just joining us, everybody who's on here right now gets a free copy of this book. That's going live on Amazon, kindle, apple eBooks, all that fun stuff and people will be paying money for it, but not you.

Speaker 1 9:55

If you want it, you can get it for free, but all you have to do is you just have to type in the comment section there. So just type in that you want one, or just I don't know type the word book. That's fine too. Whatever you want to do, um, make it as easy as possible. I'd love to get this in your hand and, honestly, we'd love to get as much feedback on it as possible, because it is our first book. So, um, you know, and I've got pretty thick skin, so you won't hurt my feelings. If you have uh critiques on how we can make the book better for the next one, then I'd be grateful for that as well, so just put that in the comments there.

Speaker 1 10:29

And again, guys, let's see what else have I got coming up. I'll give people a few more minutes here to trickle in and take advantage of this, because this is the only way we tried to do it earlier. Like I said, this will be the only live I guess you call it that we'll do for this opportunity. We're actually giving it away for free, so I want to give people as much of an opportunity as I can. So what else can I tell you? As far as news go, I'm not going to talk about the riots, even though I am in California, but that's down Southern California. I'm up here North, thankfully, so I'm not dealing with that and we got some Federal Reserve interest rates interest rate news that will be coming up here shortly, which I'm sure, if you're a nerd like me, probably excited about seeing where that goes.

Speaker 1 11:19

But again, with seller financing, it really doesn't matter. That's one of the beauties of it too, and we talk about that in the book that you get a free copy of if you put a comment, we talk about that. That's one of the big things. As the seller and I'm going to talk from the buyer's side the benefits are obvious for us because we don't care what the interest rates are. We care a little bit because it helps set the table for the discussion with the seller, but we really don't care because our interest rate is not dictated by what prime is. Our interest rate is not dictated by the Federal Reserve or the government. We have the freedom to choose our own rate, or at least attempt to choose our own rate, and make that presentation to the seller. And then it's up to the seller to agree or counter or whatever it may be. But we work that out human being to human being.

Everything Is Negotiable

Speaker 1 12:03

Which is one of the most beautiful things about seller financing in general, in my humble opinion, is every single piece we talk about this in the book of course as well. Every single piece is negotiable, from the price, of course, which is the least important to me, but some people care about that Great. If we all cared about the exact same things, then it'd be hard to get a deal done because we'd all be arguing about the same thing. So it's great that everybody has different goals, but everything from the purchase price to, of course, the down payment, to, of course, the interest rate, to the length of term, to the amortization which interest-only amortization to me as a buyer, as an investor, is extremely important, that might be the most important thing, but to some sellers it doesn't matter to them at all Most sellers actually, it doesn't matter to them at all, them at all. Most sellers actually doesn't matter to them at all. To the default terms, to the late payment fees, to the date of the month that which that payment is made to. We've had it several times where we'll give the seller something that they want and in exchange for that they'll give us even no payments for the first year. Sometimes we'll pay the payments in advance for the first year.

Speaker 1 13:11

Every single thing and I could go on dozens and dozens of aspects of not only the purchase but the deal itself, the loan itself, all of it's negotiable. And what does that mean? What that means is everybody can win, because if you've got, if you're doing a traditional deal, really all that's negotiable is the price, that's it, and then all the other terms are up to banks and appraisers, third parties, and that's it. Once you agree on the price and the closing date. You know it is what it is With this. You got 21, 41, 70 different things you know that are negotiable. So that means you've got 41 or whatever it is different things that each person can win on. So you can structure it.

Speaker 1 13:58

Maybe I'm a seller and maybe the price is the most important thing to me. Okay, well, I'll pay you a high premium on the price, but then you're going to give me interest only amortization. Maybe the price doesn't matter to the seller, but it's the down payment. Okay, we'll give you a huge down payment, but you're going to give me no payments for the first year and you're going to give me a lower price and you're going to give me interest-only amortization. You can go back and forth, and it really is such a beautiful blessing because we can both walk away as winners of the deal.

Speaker 1 14:31

And so we talk about all that and more in the book, and we talked about it a lot, and some of the recent videos that we've done here on the channel. So again, if you haven't subscribed, I'd be grateful. Number one, if you do, just makes me feel good, and I love numbers if you can't tell. So I love seeing those numbers go up. So, thank you sincerely, if you do, and and there's a lot of great content where actually it's more detailed in the book, to be honest with you. But if you like it in a written format, this is a great little piece. I know some people like that type of learning better, so hopefully it'll be helpful for you. And so, again, anyone that comments now on this live stream, just put book or whatever you want to put, as long as it's nice, in the comment section. Hopefully. Then we'll get you a free copy. We'll reach out to you, make sure we get you that as an instant ebook download. And yeah, thank you guys. So much. It's a lot of fun.

Speaker 1 15:23

You know I love this stuff, I'm passionate about it and I'm grateful and excited to see how many other people are passionate about it too. Such a beautiful thing, it's a life changing thing. I mean and again, not to get too sappy on it, but a lot of people in my network and my friends and family know my obviously my friends and family but know my backstory. But you know, moving 33 times before I was 18 years old and we never owned anything. And I dreamed about owning homes 18 years old and we never owned anything, and I dreamed about owning homes and I believe a big part of what's helped me, thankfully, be blessed, to achieve that dream of buying several homes is that initial piece of knowledge, that initial nugget of knowledge, and I'll forever be thankful for that gift. But then you got to put it to use.

Free Book Offer and Closing

Speaker 1 16:14

So I'm not saying this book is going to change anybody's life, but there might be something in there that hits and then you make a life decision. Maybe you decide, oh, you know what? I never thought about it like that, but selling my property in that way would allow me to do this and that X, y, z, and then that leads to another benefit for you down the road that you didn't even know was possible. So that's my hope is that we can be a small resource or a big resource for you and be a piece of that puzzle.

Speaker 1 16:45

Thank you guys for hopping on here with me. It's fun. We're going to see how this goes and maybe we'll do some more of these if people enjoy it. But thank you either way, and I'm going to leave this up for about 24 hours on the YouTube, so if anybody has, I don't even know how it works if you can see it after the fact, but if you do, then put a comment in there, then we'll get you a free copy as well. So, thank you guys. Have an incredible remainder of 2025 and beyond and we'll talk with you soon. Thanks so much.