The Note Closers Show - The #1 Podcast for Note Investing

Decoding the 2026 Foreclosure Market: Ratios, Reality, and Real Estate OpportunityWelcome to a high-octane episode of The Note Closers Show! As we kick off the second quarter of 2026, the housing market is undergoing a "gradual normalization," but the numbers tell a story that many headlines are missing. Your host, Scott Carson, dives deep into the February 2026 data to separate the "false flags" from the genuine investment goldmines. If you've been watching foreclosure filings creep up and wondering where the inventory is actually hiding, this episode is your roadmap to the states with the most distressed debt and the strategies to profit from it.We aren't just looking at the top 15 states by ratio; we are looking at the heavy hitters—the states where the sheer volume of filings creates a playground for note investors. From the sunshine of Florida to the lone star of Texas, we break down why the "Gamecock State" and the "Hoosier State" are popping up on our radar and how you can leverage this data to build a recession-resistant portfolio. Stop waiting for the market to come to you and start taking action on the distressed assets that are hitting the books right now.Key Topics Covered in This Episode:The "Ratio" Trap vs. Real Volume: We expose why looking at foreclosure ratios (1 in every X households) can be a false flag, ranking small states like Delaware high despite having only 190 filings, while ignoring the massive opportunities in states like California and New York.National Trends and Normalization: A deep dive into the 38,840 properties with foreclosure filings in February 2026—a 20% jump from the previous year—marking 12 consecutive months of year-over-year increases as the market returns to pre-pandemic norms.State-by-State Breakdown: Detailed analysis of the top 15 states, including Indiana (ranked #1 by ratio), Florida (the volume leader with 4,504 filings), and the specific "hit-hard" counties like Cuyahoga in Ohio and Wayne in Michigan.Investment Exit Strategies: Moving beyond the auction block, we discuss 11 different exit strategies, including buying notes at a discount, loan modifications, trial payment plans, and deed-in-lieu of foreclosure to keep borrowers in their homes while securing cash flow.The Note Business Advantage: Why buying the debt is superior to traditional real estate investing, especially when borrowers file for bankruptcy, and how to avoid the "last-minute realtor" trap of trying to buy a note the week of an auction.The data is clear: foreclosure activity is rising, but success depends on your ability to look past the ratios and find the volume. Whether you're interested in the fast-foreclosure states like Michigan or the long-game opportunities in South Carolina, the second quarter of 2026 is the time to quit "kicking the can" and start making moves.Ready to turn these lists into deals? Join our next virtual note buying workshop at notebuyingfordummies.com or book a direct call to discuss your strategy!Watch the Original VIDEO HERE!Check out the Attom Data Report HERE!Book a Call With Scott HERE!Sign up for the next FREE One-Day Note Class HERE!Sign up for the WCN Membership HERE!Sign up for the next Note Buying For Dummies Workshop HERE!Love the show? Subscribe, rate, review, and share!Here’s How »Join the Note Closers Show community today:WeCloseNotes.comThe Note Closers Show FacebookThe Note Closers Show TwitterScott Carson LinkedInThe Note Closers Show YouTubeThe Note Closers Show VimeoThe Note Closers Show InstagramWe Close Notes Pinterest

Mastering the Numbers: A San Antonio Performing Note Case StudyWelcome back to another episode of The Note Closers Show! Today, we are diving into the "nuts and bolts" of a specific performing note deal right here in San Antonio, Texas. While many investors focus solely on non-performing debt, there is a massive opportunity in acquiring seasoned, performing paper at a discount to create immediate cash flow and long-term equity protection.In this episode, we move past the theory and look at the actual math behind a six-figure note investment. We break down why a specific offer was made, how the property value supports the debt, and the importance of third-party servicing in keeping your portfolio "set and forget". Whether you are a seasoned investor or just starting to explore the secondary market, this breakdown of a Bexar County asset will show you how to find the "win-win" in every transaction.Key Highlights from the San Antonio Case Study:The Anatomy of a the Offer: We break down the calculation behind a my discounted offer on a performing note, which represents approximately 78 to 80 cents on the dollar for the asset.Evaluating Property Equity: An analysis of the relationship between the purchase price and the $215,000 underlying value, ensuring the investment is "sitting pretty" with a strong protective equity cushion.The Importance of Seasoning: Why we targeted this specific note for its payment history and "seasoning," making it a lower-risk profile for investors looking for consistent returns.Third-Party Servicing Benefits: A discussion on why utilizing professional third-party servicing is a non-negotiable part of our strategy to ensure compliance and ease of management.Looking to put some "Lazy Assets" to work for yourself or into a deal like this? Book a call with me to find out what you need to get started.Watch the Original VIDEO HERE!Book a Call With Scott HERE!Sign up for the next FREE One-Day Note Class HERE!Sign up for the WCN Membership HERE!Sign up for the next Note Buying For Dummies Workshop HERE!Love the show? Subscribe, rate, review, and share!Here’s How »Join the Note Closers Show community today:WeCloseNotes.comThe Note Closers Show FacebookThe Note Closers Show TwitterScott Carson LinkedInThe Note Closers Show YouTubeThe Note Closers Show VimeoThe Note Closers Show InstagramWe Close Notes Pinterest

From REO to Cash Flow: The Right Way to Originate Owner-Financed PaperHave you ever taken a property back through foreclosure only to realize that a traditional sale isn't your fastest path to profit? In real estate investing, "Cash is King," but "Cash Flow is Queen." One of the most powerful tools in our arsenal is owner financing, yet many investors get it wrong by creating "crappy paper" that won't stand up to legal scrutiny or secondary market standards.On this episode of The Note Closers Show, I’m joined by the top RMLO in Texas, Nirvana Roof. Nirvana is a specialist in helping investors transition from property owners to high-performing lenders. If you want to learn how to structure deals that are compliant, sellable, and secure, this conversation is your blueprint for success.The Art of Professional Note OriginationThe Vital Role of the RMLO: A Residential Mortgage Loan Originator (RMLO) is your first line of defense. In Texas, while laws are lender-friendly, they are strict regarding consumer protection. Using a professional to vet buyers ensures "Ability to Repay" (ATR) rules are met, protecting you from legal challenges and making your note significantly more attractive to secondary buyers.Avoiding "Guru" Pitfalls: Much bad advice suggests skipping the RMLO process to save money. Nirvana explains that shortcutting documentation leads to unsellable paper. When you create a note without proper third-party origination, you are gambling with your equity. Doing it right the first time is always cheaper than hiring an attorney to fix a non-compliant mess later.Structuring for Success: It’s about more than just the interest rate. To create "Gold Standard" paper, you must evaluate the down payment, seasoning, and the buyer's profile. Nirvana shares how stable income and "skin in the game" ensure a buyer is less likely to walk away, keeping your asset performing for years.Bridging the Loan Officer Gap: Traditional loan officers often don't understand the investor mindset. Nirvana bridges this gap by finding creative ways to fit "denials" with investor-sellers. This allows realtors and investors to work with buyers who can be nurtured toward conventional refinancing over a 12-to-24-month period.Compliance as a Value-Add: Showing a potential note buyer that your paper was originated by a licensed expert like Nirvana causes your note's value to skyrocket. Compliance isn't a hurdle; it’s a marketing tool that allows you to exit your position faster and at a lower discount because the paper trail is clean and transparent.Build on Solid GroundThe goal isn't just to do a deal; it's to do a good deal. Owner financing is a phenomenal way to move REOs and create long-term wealth, but only if you respect the rules. Partnering with a professional like Nirvana Roof ensures your "banker" hat fits perfectly and your assets are protected. Don't build your portfolio on a foundation of poor documentation. Treat your note business like the professional enterprise it is. Reach out to Nirvana to start creating high-quality, sellable paper [email protected] the Original Video of this Episode HERE!Book a Call With Scott HERE!Sign up for the next FREE One-Day Note Class HERE!Sign up for the WCN Membership HERE!Sign up for the next Note Buying For Dummies Workshop HERE!Love the show? Subscribe, rate, review, and share!Here’s How »Join the Note Closers Show community today:WeCloseNotes.comThe Note Closers Show FacebookThe Note Closers Show TwitterScott Carson LinkedInThe Note Closers Show YouTubeThe Note Closers Show VimeoThe Note Closers Show InstagramWe Close Notes Pinterest

Taking the Red Pill of Personal FinanceHave you ever felt like you’re playing a game where the rules are hidden, the goalposts are moving, and the referee is an algorithm you can’t talk to? Welcome to the world of modern lending. Many investors think a "good" FICO score is the golden ticket to funding, but the reality is much more complex. On this episode of The Note Closers Show, we are joined by the "Morpheus" of the credit world, Merrill Chandler from GetFundable.com. Merrill has spent over 30 years deconstructing the "Black Box" of banking to reveal that what we’ve been told about credit repair is often a lie. If you’re tired of hitting a ceiling with your capital and want to understand how the world’s largest banks actually "grade" your financial profile, this episode is your red pill moment.The Blueprint for Absolute FundabilityThe Fallacy of Credit Repair vs. Fundability: Most people focus on credit repair—deleting negative items to boost a three-digit score. However, Merrill explains that banks don’t just look at your score; they look at "fundability." You can have an 800 score and still be denied because your "internal behavioral data" suggests you are a high-risk borrower. Fundability is about aligning your financial behavior with the specific algorithms (like FICO 10T and FICO 40) that banks use to automate approvals.Cracking the "Black Box" of Tier 1 Banks: Large institutions like Chase, Wells Fargo, and Bank of America use sophisticated Artificial Intelligence to evaluate borrowers. This AI analyzes up to 40 different data points—not just your payment history. These points include how often you use your credit, the types of accounts you hold, and even how your name and address appear across various databases. If your data is "noisy" or inconsistent, the algorithm flags you as a risk, regardless of your score.The Shift to Trended Data (FICO 10T): We are currently seeing a massive shift in the lending industry toward "Trended Data." While older models took a snapshot of your credit at a single moment, the new FICO 10T model looks back at 24 to 30 months of historical behavior. It tracks whether you are "transacting" (paying off balances monthly) or "revolving" (carrying debt). Banks are now prioritizing "transactors" and punishing those who carry balances, even if they make their payments on time.Optimizing Your "Financial Digital Silhouette": Every time you interact with a bank, you leave a digital footprint. To get the massive credit lines needed for real estate investing, you must curate this silhouette. This involves cleaning up your "LexusNexus" and "SageStream" reports, ensuring your identity is synchronized across all bureaus, and strategically managing your credit utilization. Merrill emphasizes that "optimizing" your profile is about speaking the bank’s language so the computer says "Yes" before a human even looks at the application.Strategic Mapping for 7-Figure Capacity: Building a million-dollar credit capacity isn't an overnight process; it's a strategic climb. Merrill discusses the importance of having a "Credit Bible"—a structured path that moves you from personal credit strength into high-limit business lines. By following a proven sequence of "borrower behaviors," investors can move from being "credit-seeking" (which scares banks) to "fundable" (which makes banks compete for your business).Stop Guessing, Start Getting FundedThe days of "faking it until you make it" with a high credit score are over. As Merrill shared today, the money is out there—trillions of dollars are waiting for borrowers who know how to present themselves correctly to the algorithms. Don't let a "noisy" profile or a misunderstanding of trended data stand between you and your next big deal. Head over to Merrill360.com to take the first step toward total financial transparency. It’s time to stop being a "borrower" and start being "fundable." Watch the Original Video HERE!Book a Call With Scott HERE!

 The "Peach State" OpportunityGeorgia is a goldmine for note investors, consistently ranking as one of the fastest foreclosure states in the country, second only to Texas. However, many investors shy away from this robust market because of its "two-headed monster": complex licensing and strict regulatory oversight. On this episode of The Note Closers Show, we sit down with Roslind Ray, an investor with over six years of experience who has successfully navigated the grueling process of becoming a licensed lender in Georgia. Roslind shares her journey from starting in the "school of hard knocks" during the 2020 pandemic to building a compliant gateway that allows investors across the country to tap into the Georgia market without the legal headaches.Deep Dive: What You Need to Know About Buying Notes in GeorgiaHere are five key topics that we covered in this episode:The Regulatory "Two-Headed Monster" in Georgia: While Georgia is the second-fastest foreclosure state behind Texas, it presents unique challenges regarding licensing for those buying notes on a regular basis. Investors often try to use Delaware Statutory Trusts (DSTs) to avoid licensing, but Georgia regulators give serious pushback on this structure. Once an entity begins performing "lender acts"—such as loan workouts, modifications, or temporary payment plans—it triggers a formal licensing requirement.The Rigorous Path to Licensure: Obtaining a lender license in the "Peach State" is a complex, two-part process that includes high financial and personal hurdles. Requirements include a minimum net worth of $100,000, a $250,000 surety bond, and a $1,000 annual fee, alongside FBI background checks and fingerprinting for all control persons. Additionally, an individual must qualify as a Mortgage Loan Originator (MLO), which requires a 20-hour course and passing a proctored exam that has a 60% first-time pass rate.Triggers for State Investigations: Georgia authorities and defense attorneys actively look for unlicensed activity, especially during the foreclosure process. Common triggers for an investigation include a borrower filing a complaint during loss mitigation or a routine state examination, which occurs at least once every five years for licensed entities. If an investor is found to be habitually purchasing, selling, or servicing notes without a license, their deals can be ruled null and void.The "Natural Person" Exception: There is a narrow exception for a "natural person" buying notes for passive investment, typically limited to fewer than five notes . however, this does not apply to funds or LLCs, and even a natural person can lose this status if they are found to be "habitually" trading or communicating directly with borrowers. To stay safe, the state encourages using a licensed third-party servicer who understands the complex compliance landscape.A Compliant Gateway for Investors: To help out-of-state investors navigate these hurdles, Roslind Ray created a "compliant note investor gateway" through her entity, Creative Note Solutions. Under this model, her licensed entity takes assignment of the note while the investor retains control through a committee that approves assets, sets credit thresholds, and selects servicers. Take Action the Right WayDon't let the fear of "Uncle Sam" or state regulators keep you out of one of the most active real estate markets in the Southeast. By partnering with a licensed expert who has already blazed the trail, you can focus on finding deals while ensuring your portfolio is bulletproof. If you're ready to explore Georgia notes or want a "gap analysis" of your current portfolio, visit https://CreativeNoteSolutions.com to schedule a call with Roslind. As we always say: stop guessing, start investing, and we’ll see you at the top.Watch the Original Video Here!Book a Call With Scott Here!

The Fortress Strategy: Masterclass in Asset Protection with Aaron YoungAre you building a business on a solid foundation, or is your personal estate one lawsuit away from a total collapse? In this high-stakes episode, Scott Carson sits down with legendary entrepreneur and asset protection expert Aaron Young of Laughlin Associates. With over 50,000 clients and a 54-year legacy, Aaron reveals why simply filing for an LLC isn't enough to keep you safe. If you’re a real estate or note investor, you’re in a "professional space" where buying assets and raising capital makes you a target. Learn why "piercing the corporate veil" has become the most litigated issue in business law and, more importantly, how you can build a "corporate veil" so strong that even the most aggressive "ne'er-do-wellers" won’t stand a chance.5 Key Topics Covered in This Episode:The Myth of the "Free" LLC: Many entrepreneurs believe that paying a state fee and getting an EIN means they are protected. Aaron explains that a true "corporate veil" is only created when you demonstrate to the law that your business is a separate entity, not just your "alter ego" or personal piggy bank.The Rising Tide of Litigation: Small business owners in the U.S. have a one-in-four chance of being sued in any given twelve-month period. With 93% of the world’s litigation occurring in the U.S., "frivolous" lawsuits cost small businesses over $100 billion annually as people search for a "pot of gold" in your success.Critical Corporate Formalities: To maintain separation, you must treat your company like a real business. This means having a formal operating agreement, issuing actual membership certificates, maintaining a stock ledger, and holding regular board meetings—even if you are the only employee.The Danger of Single-Member LLCs: While popular, single-member LLCs are often treated as "disregarded entities". Aaron warns that these provide significantly less protection than two-member LLCs or C-Corporations because all liability often flows directly back to the sole owner.Separation as a Deterrent: The goal of advanced asset protection is to make yourself look "undesirable" to contingency-fee lawyers. By using strategies like Nevada holding companies and resident agent firms, you create a "labyrinth" that forces predators to either walk away or risk their own capital at $700 an hour rather than suing you for free.Conclusion: "I am not the company, and the company is not me". This simple mantra is the difference between long-term wealth and sudden financial ruin. As Aaron Young shared through his harrowing story of a random, devastating car accident, we never plan for the "what ifs," but they happen regardless. Whether it’s a slip-and-fall on a job site or a disgruntled former employee, the world is full of risks. Don’t wait for an "event-driven" wake-up call after you've already been sued. Take action today to organize your estate, follow the law—even the "stupid" parts—and ensure that the wealth you work so hard to build stays exactly where it belongs: with you.Get Signed Up For the Dallas Magnify Your Wealth Summit HERE! Use code: NOTES to Get $100 Off!Watch the Original VIDEO HERE!Book a Call With Scott HERE!Sign up for the next FREE One-Day Note Class HERE!Sign up for the WCN Membership HERE!Sign up for the next Note Buying For Dummies Workshop HERE!Love the show? Subscribe, rate, review, and share!Here’s How »Join the Note Closers Show community today:WeCloseNotes.comThe Note Closers Show FacebookThe Note Closers Show TwitterScott Carson LinkedInThe Note Closers Show YouTubeThe Note Closers Show VimeoThe Note Closers Show InstagramWe Close Notes Pinterest

Stop Chasing Vendors and Start Closing Deals Are you tired of spending more time vetting vendors than you do analyzing deals? In the fast-moving 2026 real estate market, your success is defined by the strength of your team and the speed of your due diligence. Whether you are closing your first note or managing a portfolio of hundreds, having a reliable "boots on the ground" network is the difference between a high-yield win and a costly mistake. In this episode, we are pulling back the curtain on a massive national database of experts—honed over 25 years in the industry—to help you streamline your workflow and keep your overhead low.Key Topics & TakeawaysComprehensive Due Diligence Outsourcing: We are rolling out a "one-stop shop" for the essential tasks that often bog down investors. From pulling Broker Price Opinions (BPOs) and conducting thorough title work to skip tracing and lead generation, you can now leverage an established infrastructure to handle the heavy lifting across all 50 states.National Reach with Local Expertise: While Texas remains a powerhouse for investment, our network extends far beyond Austin. We discuss how to access localized experts—including mobile notaries, realtors, and title reps—who understand the specific nuances of their markets, ensuring your due diligence is accurate and culturally relevant to the asset’s location.Cost-Efficiency and Competitive Pricing: One of the biggest hurdles for individual investors is the high cost of retail due diligence services. We break down how our leveraged relationships allow us to provide these professional services at a fraction of the cost you might be paying elsewhere, directly impacting your bottom line and increasing your ROI on every deal.A Call for Quality Vendors: This isn't just for buyers. If you are a real estate professional—a realtor, BPO agent, or service provider—we are actively looking to expand our referral network. We discuss how quality vendors can integrate into our ecosystem to provide value to a growing community of active note and REO investors.Personalized Strategy Sessions: Moving into the final stretch of the year, we are offering direct consultations to help you compare your current due diligence costs. By booking a strategy call, you can identify exactly where you are overpaying and how to refine your systems to ensure you are ready to "kick ass" through the rest of 2026.Your Path to the Top Starts with a Phone Call The year is already moving at lightning speed, and there is no room for "lazy" systems in a competitive market. If you want to close more deals with less stress, it is time to tap into a proven network of professionals who are dedicated to your success. Don't let paperwork and vendor management hold you back from the lifestyle you've been building. Watch the full video to see how these new services can transform your business, then head over to book your strategy session. Let’s work together to make the rest of 2026 your most profitable chapter yet. We’ll see you at the top!Watch the Original VIDEO HERE!Book a Call With Scott HERE!Sign up for the next FREE One-Day Note Class HERE!Sign up for the WCN Membership HERE!Sign up for the next Note Buying For Dummies Workshop HERE!Love the show? Subscribe, rate, review, and share!Here’s How »Join the Note Closers Show community today:WeCloseNotes.comThe Note Closers Show FacebookThe Note Closers Show TwitterScott Carson LinkedInThe Note Closers Show YouTubeThe Note Closers Show VimeoThe Note Closers Show InstagramWe Close Notes Pinterest

Your Opportunity to Become the Bank We've got an exclusive look at a fresh "cherry-pickable" tape featuring 47 unique assets across the country. If you’ve been looking for a way to put "lazy" assets to work or grow your Self-Directed IRA (SDIRA) with double-digit returns, this is the breakdown you’ve been waiting for. We aren't just looking at spreadsheets; we are diving into the actual photos, neighborhoods, and equity positions of these properties so you can bid with confidence. Detailed Key Topics & TakeawaysDiverse Asset Mix Across 15+ States: This tape includes a strategic mixture of performing mortgages and Contracts for Deed (CFDs) in states like Florida, Ohio, Indiana, Tennessee, and Missouri. Many of these assets are owner-occupied with significant "emotional equity," meaning the borrowers have a strong incentive to stay and keep paying. The Power of Small Balance Investing: One of the most exciting aspects of this tape is the availability of assets with lower unpaid balances (UPB)—some in the $10k to $50k range. These are perfect for individual investors who want to buy for their own portfolios without the complexity of splitting equity with funding partners. Targeting High-Yield Returns: While the seller is generally looking for around 75% of the UPB, there is room to negotiate on smaller balances to ensure a legitimate return of 12% to 16%. We break down how to calculate these yields to ensure your investment meets your financial goals. Due Diligence and Visual Analysis: We’ve gone beyond the data to provide current photos for roughly 40 of the 47 properties. This visual breakdown allows you to assess the "pride of ownership"—looking for new roofs, landscaping, and well-maintained exteriors—before you ever spend money on a BPO or title search. Professional Bidding Etiquette: We emphasize a "no joker broker" policy. This session teaches you how to act as a professional investor, bidding for your own portfolio rather than trying to middle-man deals, which ensures you maintain a strong reputation with sellers and funds. Take Action Before the Deadline:The note market in 2026 is moving fast, and fresh tapes like this don't stay available for long. Whether you are interested in the fast eviction process of an Indiana Contract for Deed or the steady cash flow of a performing Florida mortgage, the time to conduct your due diligence is now. Watch the full breakdown to see the specific asset details, and make sure your bids are submitted by the Wednesday deadline to get priority. Don't just watch from the sidelines—go make some offers and start building your legacy as a lender! Watch the original VIDEO HERE!Book a Call with Scott HERE!Sign up for the next FREE One-Day Note Class HERE!Sign up for the WCN Membership HERE!Sign up for the next Note Buying For Dummies Workshop HERE!Love the show? Subscribe, rate, review, and share!Here’s How »Join the Note Closers Show community today:WeCloseNotes.comThe Note Closers Show FacebookThe Note Closers Show TwitterScott Carson LinkedInThe Note Closers Show YouTubeThe Note Closers Show VimeoThe Note Closers Show InstagramWe Close Notes Pinterest

The Rise of the Accidental Landlord: Turning Market Stalls into Strategic WinsWhat do you do when you’ve got a property for sale that simply won’t move? Maybe you’ve taken a new job, moved for family reasons, or are facing a financial shift, but you’re unwilling to slash your price by tens of thousands of dollars. If this sounds familiar, you aren’t alone—you are likely becoming an "accidental landlord". According to recent Zillow data, we are currently at a three-year high for homeowners who, unable to secure their desired sale price, have pivoted to renting their properties out instead. In this episode, we dive into the data behind this shift, the cities leading the charge, and the practical steps you need to take if you find yourself managing a rental you never planned for.5 Key Topics Covered in This EpisodeThe "Choice-Driven" Market Shift: Unlike the "shock-driven" market of late 2022 when mortgage rates first skyrocketed, the current trend is driven by choice. Homeowners today aren't necessarily in distress; rather, they are refusing to settle for less than what their "heart says their home is worth" and are using renting as a way to "buy time" until the sales market rebalances.The Texas and Florida Factor: A staggering 7 out of the top 10 metros for accidental landlords are in Texas or Florida. While Denver holds the #1 spot, Texas dominates the list with Houston (#2), Austin (#3), San Antonio (#4), and Dallas (#8) all seeing high percentages of for-sale listings re-entering the market as rentals.Property Type Disparity: Single-family detached homes are the most common property type for accidental landlords, making up 3.4% of rental listings. However, condos are seeing the fastest growth in this trend, as they are often less sensitive to interest rate fluctuations but more sensitive to shifts in urban buyer demand.Pitfalls of New Landlords: Managing a property isn't as simple as collecting a check. Scott Carson shares personal lessons on the dangers of property managers holding reserve funds that can put you behind on your mortgage, as well as the critical importance of running background checks and requiring ACH or cashier's checks to avoid the nightmare of bounced payments and lengthy evictions.Creative Exit Strategies: If you don't want to be a landlord, there are alternatives. The episode explores creative finance options like wrap-around mortgages, owner financing, or even short sales if you are upside down on the property. These strategies can often provide a better outcome than traditional renting for those who aren't built for property management.Becoming an accidental landlord is often the result of "good things happening to good people" or simply a shifting economic tide. While it can be a headache, it is also an opportunity to build long-term wealth if handled correctly. The key is to take the emotion out of the game, look at the black-and-white numbers, and understand your local market competition. Whether you choose to hire a professional property manager or pivot to a creative finance exit, remember that you don't have to navigate this journey alone. Reach out to experts, use the right tools like Rentometer, and make sure your next move is a calculated one. Stop waiting for the market to change and start taking action to make the market work for you.Watch the Original VIDEO HERE!Here is the Zillow article HERE!Book a Call With Scott HERE!Sign up for the next FREE One-Day Note Class HERE!Sign up for the WCN Membership HERE!Sign up for the next Note Buying For Dummies Workshop HERE!Love the show? Subscribe, rate, review, and share!Here’s How »Join the Note Closers Show community today:WeCloseNotes.comThe Note Closers Show FacebookThe Note Closers Show TwitterScott Carson LinkedInThe Note Closers Show YouTubeThe Note Closers Show VimeoThe Note Closers Show InstagramWe Close Notes Pinterest

Stop Chasing Algorithms and Start Answering Questions: The New Era of Content MarketingIn an era where traditional advertising costs are skyrocketing, and organic social media reach is plummeting to less than 2%, how does a small business owner or real estate investor stand out? The "old way"—dumping thousands of dollars into Google Ads or mindlessly boosting Facebook posts—is increasingly resulting in a big fat zero for ROI. Enter Logan Hassinger, a real estate investor turned marketing maven who has cracked the code on "omnipresence." By leveraging AI to create deep, answer-based content, Logan has transformed how local businesses dominate their niches without the "school of hard knocks" price tag. 5 Key Topics Covered in This EpisodeThe Myth of Social Media Dominance: Many entrepreneurs focus 100% of their effort on platforms like Facebook, unaware that less than 2% of their followers actually see their content. True growth comes from diversifying where your brand lives. The Power of Answer-Based Content: Search engines like Google are "dying for content" that provides direct answers to specific consumer pain points. Instead of broad trends, focus on specific questions like "Why is my AC making a clicking noise?" to capture high-intent traffic. Implementing the "Content Octagon": Don't let your content die on one platform. Learn how to take a single topic and reformat it into blog posts, YouTube videos, infographics, podcasts, and news articles to ensure you are everywhere your customer is. AI-Driven Deep Research Workflow: Logan shares his exact tech stack—using tools like Google Gemini for deep research and Claude for high-quality writing—to produce 4,000-word blog posts that establish authority and build trust with "DIY" searchers. Building Domain Authority Through Mass Distribution: Learn how small-town news mentions and strategic backlinks can move a website from a "zero" blip on the radar to a high-authority site that Google trusts to show to searchers. The secret sauce for 2026 isn't about having the biggest ad budget; it’s about having the most helpful content. By listening to the "dumb" questions your customers ask on the phone and turning those into detailed online resources, you build a trust factor that ads simply can't buy. Whether you are a real estate investor searching for motivated sellers or a trade professional looking for more calls, the path to the top of the search results is paved with consistency and a willingness to provide value before asking for a sale. Stop refreshing your empty analytics and start building your content octagon today. Connect with Logan HERE! or via email at [email protected] the Original Video HERE!Book a Call With Scott HERE!Sign up for the next FREE One-Day Note Class HERE!Sign up for the WCN Membership HERE!Sign up for the next Note Buying For Dummies Workshop HERE!Love the show? Subscribe, rate, review, and share!Here’s How »Join the Note Closers Show community today:WeCloseNotes.comThe Note Closers Show FacebookThe Note Closers Show TwitterScott Carson LinkedInThe Note Closers Show YouTubeThe Note Closers Show VimeoThe Note Closers Show InstagramWe Close Notes Pinterest

Are you tired of the "dark side" of real estate—dealing with toilets, tenants, and trash? In this episode, Scott Carson, "The Note Guy," pulls back the curtain on a real-world case study in Texarkana to show you how to become the bank, not the landlord. We dive deep into a performing note deal on a $65,000 property that delivers a staggering 16% return—or even an infinite return if you know how to structure the arbitrage. Whether you are looking to invest a small amount of your own capital or want to learn how to raise private money using Self-Directed IRAs, this episode provides the blueprint for building a cash flow machine without the headaches of traditional property management.What You’ll Learn in This EpisodeThe Texarkana Case Study: A breakdown of a 3-bedroom, 2-bath asset sold on owner-finance terms with a 13% interest rate.The Math of a 16% ROI: How buying a performing note at 80% of the Unpaid Principal Balance (UPB) creates immediate equity and high-yield cash flow.The "Infinite Return" Strategy: How to use private money at 8–10% to fund 85% of a deal while you keep the difference in interest and a "cha-ching" on the front end.The Three "Cha-Chings": Identifying profit centers on the front end (origination/funding difference), the middle (monthly cash flow), and the back end (payoff/refinance).The 6-Figure Blueprint: Why you only need approximately 20 "small" deals to generate over $100,000 in annual income.SDIRA Secrets: How to find the 6 to 9 private investors you need to raise $1,000,000 for your note portfolio.Foreclosure as a Safety Net: Understanding why Texas is a "friendly" state for note holders, allowing for a 90-day foreclosure process if a borrower stops paying.Asset Appreciation: How a $65,000 property can grow to $100,000 over 10 years, increasing your security and potential REO profit.11 Exit Strategies: From "The Flip" to "The Flow," learn the various ways to monetize both performing and non-performing notes.Market Insights for 2026: Why note buying is the smartest strategy in a landscape where traditional REOs and wholesale deals no longer make sense.Stop flipping burgers and start flipping notes. Real estate investing in 2026 is about being a "Lienlord" and leveraging the power of the bank. If you're ready to master the fundamentals and start your journey toward a 6-figure side hustle, don't miss our upcoming 3-day Virtual Note Buying Workshop. We offer a 100% money-back guarantee because we know this proven plan has helped thousands of investors succeed. Visit NoteBuyingForDummies.com to grab your seat at 50% off and start building your cash flow machine today! Watch the Original Video HERE!Book a Call With Scott HERE!Sign up for the next FREE One-Day Note Class HERE!Sign up for the WCN Membership HERE!Sign up for the next Note Buying For Dummies Workshop HERE!Love the show? Subscribe, rate, review, and share!Here’s How »Join the Note Closers Show community today:WeCloseNotes.comThe Note Closers Show FacebookThe Note Closers Show TwitterScott Carson LinkedInThe Note Closers Show YouTubeThe Note Closers Show VimeoThe Note Closers Show InstagramWe Close Notes Pinterest

Are you tired of chasing the same tired foreclosure lists that every other investor in town is already cold-calling? In today’s market of chaos and distressed debt, the real "Monopoly" winners aren't just collecting $200 for passing Go—they are finding the deals six to twelve months before they ever hit the public radar. In this episode, Scott Carson pulls back the curtain on a massive influx of distressed debt hitting the market. We’re talking about "loan level" data on thousands of notes across the country where borrowers are 6, 12, or even 24 months behind on payments. Whether you are a "hustler" looking for your next creative real estate deal or a realtor hungry for fresh listing leads, this episode shows you how to tap into a private stream of opportunities that most people don't even know exist. What You’ll Learn in This Episode:The "Crumb Investor" Advantage: Why you don't need a billion-dollar license to profit from the massive portfolios being moved by banks and hedge funds. Deep-Dive Data: Understanding "loan level" information, including exact addresses, equity positions, and exactly how many months a borrower is in default. Creative Exit Strategies: How to turn these distressed leads into "Subject To" deals, owner financing opportunities, or traditional listings. Geographic Opportunities: Why this isn't just a Texas or Florida play—opportunities are popping up in New York, New Jersey, and even Alaska and Hawaii. The Partnership Model: How to work with Scott to get these leads delivered to your inbox once or twice a month, either through a small fee or a referral relationship. Due Diligence Support: How Scott’s team can now assist with BPOs, O&Es, and other critical due diligence documents for your deals. Are You Ready to Jump on the Board?The market isn't "bad"—it's just changing. If you are willing to pick up the phone, knock on a door, or start a mail campaign, there is plenty of room on the Monopoly board for you. Don't wait for the foreclosure auction; get the lead while the borrower is still in the early stages of default and nobody else is looking.Watch the Original Video HERE!Book a Call With Scott HERE!Sign up for the next FREE One-Day Note Class HERE!Sign up for the WCN Membership HERE!Sign up for the next Note Buying For Dummies Workshop HERE!Love the show? Subscribe, rate, review, and share!Here’s How »Join the Note Closers Show community today:WeCloseNotes.comThe Note Closers Show FacebookThe Note Closers Show TwitterScott Carson LinkedInThe Note Closers Show YouTubeThe Note Closers Show VimeoThe Note Closers Show InstagramWe Close Notes Pinterest

Navigating the Wild West of Texas Note Deals: Red Flags & Real ReturnsHave you ever been sent a deal that looks too good to be true, or perhaps just a little... "off"? In this special edition of Note Night in America, we’re pulling back the curtain on a recent tape of 76 performing Texas notes. While the high interest rates and rural charm might catch your eye, the real story lies in the due diligence. Join us as we dissect a "daisy chain" of brokers, hunt down the truth through county records, and show you exactly how to calculate if a low-balance note is a diamond in the rough or a high-cost headache. Whether you’re a seasoned pro or a "note buying for dummies" student, this deep dive into the "Spidey senses" of investing is a masterclass you can't afford to miss.Key Topics Covered in This Episode:Identifying "Joker Brokers" & Daisy Chains: How to spot when a deal is being passed through too many hands and why not being "direct to the seller" can frustrate your negotiations.The "Spidey Sense" of Due Diligence: Why a lack of loan numbers, third-party servicing, or RMLO (Registered Mortgage Loan Originator) verification should be an immediate red flag for any investor.Deep-Dive Research Techniques: Learn how to use batch geo-mapping, county deed searches, and lender website audits to verify the "hustle" and find the true origin of the notes.The Math of Arbitrage: A step-by-step breakdown of buying notes at 80% of the Unpaid Principal Balance (UPB) while funding them with private money at 85% to create instant "up-front" profit and long-term cash flow.Texas High-Cost Loan Hazards: Understanding the risks of interest rates exceeding 10% in Texas and how low down payments (under 10%) can complicate foreclosures.Amortization & Exit Strategies: How to use amortization tables to determine exactly when you must sell a note before the balance drops below what you owe your investors.Rural Property Realities: The challenges of getting accurate BPOs (Broker Price Opinions) in small towns like Alice, Spur, and Sweetwater, and why "windshield time" is sometimes the only way to verify value.Closing thoughts:Success in note investing isn't just about finding a list; it's about having the discipline to walk away when the numbers—or the stories—don't add up. We appreciate the hustle of every new investor, but our goal is to ensure you’re making bids that actually close and protecting your reputation with your funding partners. Don't let a "daisy chain" wrap you in knots. Take these lessons, sharpen your research tools, and keep marketing. We'll see you at the top!Watch the Original VIDEO HERE!Book a Call With Scott HERE!Sign up for the next FREE One-Day Note Class HERE!Sign up for the WCN Membership HERE!Sign up for the next Note Buying For Dummies Workshop HERE!Love the show? Subscribe, rate, review, and share!Here’s How »Join the Note Closers Show community today:WeCloseNotes.comThe Note Closers Show FacebookThe Note Closers Show TwitterScott Carson LinkedInThe Note Closers Show YouTubeThe Note Closers Show VimeoThe Note Closers Show InstagramWe Close Notes Pinterest

Watch the Original VIDEO HERE!Book a Call With Scott HERE!Sign up for the next FREE One-Day Note Class HERE!Sign up for the WCN Membership HERE!Sign up for the next Note Buying For Dummies Workshop HERE!Love the show? Subscribe, rate, review, and share!Here’s How »Join the Note Closers Show community today:WeCloseNotes.comThe Note Closers Show FacebookThe Note Closers Show TwitterScott Carson LinkedInThe Note Closers Show YouTubeThe Note Closers Show VimeoThe Note Closers Show InstagramWe Close Notes Pinterest

The Secret Weapon for Scaling Your Real Estate BusinessAre you a "solopreneur" working a demanding nine-to-five while trying to build a real estate empire in the margins of your day? Most part-time investors find that marketing and due diligence are the first things to fall off the plate when they get home exhausted at 6:00 PM. But if you want to reach six figures in your first year, you cannot keep doing $15-an-hour tasks and expect a high-level bank account. In this episode, we’re diving deep into the tactical side of leveraging virtual assistants (VAs) to clone your efforts, automate your systems, and ensure your business is working—even while you’re asleep. Key Strategies for Leveraging a Virtual AssistantAutomated Due Diligence & Spreadsheet Scrubbing: Instead of manually checking every asset on a tape, a trained VA can "scrub" your spreadsheets to pull Zillow values, rental rates, and back taxes. They can even save property photos into a Dropbox and run preliminary calculations based on your specific formulas, delivering a narrowed-down list for your final review. Dominating Local Markets via Direct Marketing: A VA can act as your "social sleuth," performing skip tracing to find borrower phone numbers and emails or pulling IRA investor contacts directly from county records. They can manage your entire marketing funnel—from designing postcards in Canva to executing mail merges and scheduling email blasts in your CRM—so your outreach stays consistent without you lifting a finger. Social Media & Content Management: Don't let your social profiles become a "ghost town." VAs can take your recorded podcast audio or video and transform it into YouTube descriptions, blog posts, and LinkedIn newsletters. They can also manage your Facebook groups, design daily marketing graphics, and ensure your "30 by 30" marketing matrix is executed every single day. High-Level Asset Management & Outreach: Beyond simple admin tasks, VAs can handle the heavy lifting of calling bank asset managers or research probate leads in specific counties. They can also serve as a "contract-to-close" manager, coordinating between attorneys, loan processors, and service providers to ensure your deals move from a signed contract to a funded asset smoothly. The ROI of Delegation: While a quality real estate VA typically costs between $10 and $12 an hour, the return on investment is massive. For roughly $850 a month, you gain 20 hours of weekly productivity that allows you to focus on the "big rocks"—finding deals and raising capital. This system replaces the need for expensive local office space and full-time staff while providing a 24/7 engine for your business growth. Success in real estate investing isn't about working harder; it's about working smarter by delegating the tasks that are below your pay grade. As we move through 2026, the gap between the "hobbyists" and the "heavy hitters" will be defined by who uses the tools of automation and delegation most effectively. Don't wait for "perfection" to start marketing—perfection is the enemy of results. Take action today, find a partner like Riva Global to help you staff up, and start focusing on the big-money moves that will actually change your life. Ready to stop doing it all yourself? Book a call at talkwithscottcarson.com to discuss how we can help you systematize your note business for the new year!Watch the Original VIDEO HERE!Book a Call With Scott HERE!Sign up for the next FREE One-Day Note Class HERE!Sign up for the WCN Membership HERE!Sign up for the next Note Buying For Dummies Workshop HERE!Love the show? Subscribe, rate, review, and share!Here’s How »Join the Note Closers Show community today:WeCloseNotes.comThe Note Closers Show FacebookThe Note Closers Show TwitterScott Carson LinkedInThe Note Closers Show YouTubeThe Note Closers Show VimeoThe Note Closers Show InstagramWe Close Notes Pinterest

Whether you are a seasoned real estate pro or a newcomer looking for a high-yield entry point, nonperforming notes (NPNs) offer a unique "backdoor" to property ownership. In a recent episode of the Note Closers Show, Hold or Sell Edition, note expert Scott Carson broke down a prime opportunity in New Bern, North Carolina, involving a single-family home with massive upside. With a foreclosure date already set, this deal is a masterclass in how savvy investors can leverage distressed debt to see returns that far outpace traditional fix-and-flips.Key Takeaways from the New Bern Note OpportunityThe Asset Details & Location: The property is a 925-square-foot, three-bedroom, one-bath single-family home located at 571 Rocky Run Road in New Bern, NC. Situated on nearly 0.7 acres, the home is in a solid market near Raleigh and Greenville with a population of over 31,000. While the previous owner is deceased, the property has been well-maintained and recently cleaned out, sitting just off Highway 17.The Financial Breakdown: The note has an unpaid balance of $51,000 and a total legal payoff of approximately $60,000. The seller is looking for bids around 80% of that legal balance—roughly $48,000—plus a $1,000 broker fee. Recent BPO (Broker Price Opinion) values the home at $189,000, with a quick-sale price of $179,000, providing a massive equity cushion for the note holder.Strategy 1: The Foreclosure Exit: For investors seeking a quicker turnaround, finishing the existing foreclosure process is the primary play. North Carolina is a nonjudicial state but features a unique "upset bid" period that can last from 30 days to several months. If the property sells at auction for the full legal balance of $60,000, an investor at the $49,000 entry point could net an $11,000 profit, representing an annualized ROI of 44.8%.Strategy 2: The "As-Is" Resale: If the property does not sell at auction and the investor takes it back (REO), they can choose to sell it as-is. By listing the property at a conservative $149,000 to ensure a fast sale—allowing the next buyer to handle the upgrades—the investor could net approximately $134,000 after closing costs. After the initial investment and a small cleanup budget, this path offers a projected gross profit of $83,000.Strategy 3: The Fix-and-Flip Model: For those willing to manage a renovation, a $30,000 rehab could bring the property to modern standards. Even when listing at a discounted "moved-in" price of $169,000, the projected net profit stands at roughly $73,000. This strategy yields a 92% annualized ROI, though it requires more active management and local vendor oversight.The New Bern deal highlights why note investing is often called "the cleanest way to play dirty real estate." Whether you prefer the hands-off approach of a foreclosure payoff or the higher-margin potential of a full renovation, the numbers in North Carolina are incredibly compelling. As Scott Carson notes, the key is taking action before the foreclosure clock runs out.Watch the Original VIDEO HERE!Book a Call With Scott HERE!Sign up for the next FREE One-Day Note Class HERE!Sign up for the WCN Membership HERE!Sign up for the next Note Buying For Dummies Workshop HERE!Love the show? Subscribe, rate, review, and share!Here’s How »Join the Note Closers Show community today:WeCloseNotes.comThe Note Closers Show FacebookThe Note Closers Show TwitterScott Carson LinkedInThe Note Closers Show YouTubeThe Note Closers Show VimeoThe Note Closers Show InstagramWe Close Notes Pinterest

Stop Being Scared: Why Mistakes Are Your Secret Weapon in Note InvestingLet’s be real: the fear of "screwing up" is the number one killer of real estate dreams. We’ve all heard those "gurus" on stage claiming that if you make one wrong move, you’ll be blacklisted forever. It’s intimidating, it’s stressful, and frankly, it’s total nonsense.In the world of note investing, perfection isn't just unnecessary—it's a recipe for disaster. If you spend weeks agonizing over every decimal point before submitting a bid, the market will move right past you. Every successful investor you see today started exactly where you are: trying to figure things out and making plenty of blunders along the way.The Myth of the "Perfect Deal"The quest for the perfect deal is a trap. Scott Carson recalls a student who refused a deal on a pink house in Florida that could have doubled his money simply because it wasn't "perfect". There is no such thing as a perfect deal. Success in this business isn't about hitting a bullseye on your first try; it’s about getting on the board and refining your aim as you go.Key Takeaways for Navigating the Note BusinessTo scale your business in 2026, you have to trade perfectionism for action. Here is the blueprint for moving past the fear and starting to close deals:Embrace the Learning Process: Everyone—even the veterans—makes mistakes in bidding, due diligence, and marketing. These aren't failures; they are the "learning process" required to master the craft.Play the Numbers Game: Most investors only have a 10% close ratio. If you only make one "perfect" offer, you have a 90% chance of closing nothing. To succeed, you must make 10, 20, or even 100 offers to ensure you get deals into the due diligence phase.Don't Let "Fuzzy" Data Stop You: Sometimes sellers won't give you full addresses or updated values upfront. Don't spend hours researching; bid based on the information available (like city, zip, and equity). You can always "flush the bid" or cancel during due diligence if the full details don't check out.Simplified Bidding Formulas:For Performing/Occupied Notes: Target a 16% ROI. Multiply the monthly payment by 12 (for performing) or 16 (for non-performing) and divide by your offer to find your yield.The 80% Rule: For notes with at least 20% equity, bidding around 80% of the unpaid balance is a strong starting point in the current market.The "Take Back" Rule: Never buy a note on a property you wouldn't be comfortable owning if you had to foreclose. If the asset or the neighborhood is "crap," simply walk away.Leverage Mentorship: Don't believe anyone who says they did it alone. Whether it’s attending a mastermind with a "note draft" or joining a workshop, having a support system helps you avoid the fatal mistakes while you're learning the minor ones.At the end of the day, the biggest mistake you can make is sitting on the sidelines. Even sports legends like Nolan Ryan—who had seven no-hitters and the most strikeouts in history—never pitched a "perfect game" and gave up plenty of home runs. You don’t need to be perfect to be a Hall of Famer; you just need to stay in the game.Stop worrying about what the "gurus" think and start taking action. The faster you make those early mistakes, the faster you’ll reach the success you’re looking for.Watch the Original VIDEO HERE!Book a Call With Scott HERE!Sign up for the next FREE One-Day Note Class HERE!Sign up for the WCN Membership HERE!Sign up for the next Note Buying For Dummies Workshop HERE!Love the show? Subscribe, rate, review, and share!Here’s How »Join the Note Closers Show community today:WeCloseNotes.comThe Note Closers Show FacebookThe Note Closers Show TwitterScott Carson LinkedInThe Note Closers Show YouTubeThe Note Closers Show VimeoThe Note Closers Show InstagramWe Close Notes Pinterest

Mastering the Tape: Strategies for High-Volume Note InvestingWelcome to a special edition of Note Night in America! It is hard to believe that 2026 is already nearly a sixth of the way through. Time flies when deals are crossing your plate, and tonight we are diving deep into a massive new "tape" of 1,317 owner-financed notes that just hit the market. Whether you are a seasoned pro or just getting your feet wet, the sheer volume of opportunities available right now—especially across states like Texas, Florida, and Arizona—is staggering. We are breaking down how to stop "falling in love" with a single deal and instead start bidding at scale to ensure you actually get assets under contract.Five Key Takeaways from the 1,300+ Note TapeDon't Over-Analyze the Front End: Many investors waste hours on bid work; if you spend more than 30 minutes on a tape like this, you are over-thinking it.Bidding Without Addresses: High-level sellers often "mask" addresses to protect the privacy of their portfolios; you must learn to bid based on provided AVMs and ZIP codes, with the understanding that bids can "fade" once full due diligence begins.Targeting Double-Digit Yields: For performing notes, the goal is often a 16% yield on cash flow, allowing you to pay your investors a solid 7–9% while keeping the spread.Geographic Opportunities: While Texas leads the current tape with 425 notes, surprising opportunities are popping up in places like Alaska, which has 17 notes available—the most we've ever seen there.The Power of Volume: Instead of bidding on two notes, bid on twenty; increasing your volume significantly raises your chances of successful acquisitions in a competitive market.As we prepare for our upcoming three-day workshop in Austin, the focus remains on real-world application. From leveraging AI to finding deals and raising capital, the landscape of note buying is shifting. The world has changed quite a bit in the last year, and staying updated with new marketing tactics and vendor networks for BPOs and title work is essential for success.The window to act on this current tape is small, with bids due in just 48 hours. Success in this industry isn't about finding the "perfect" note; it’s about understanding the numbers, staying disciplined with your yields, and having the courage to submit offers across multiple states. If you’re ready to take your portfolio to the next level, it’s time to dive into the spreadsheets and start bidding. We’ll see you at the top! Watch the Original VIDEO HERE!Book a Call With Scott HERE!Sign up for the next FREE One-Day Note Class HERE!Sign up for the WCN Membership HERE!Sign up for the next Note Buying For Dummies Workshop HERE!Love the show? Subscribe, rate, review, and share!Here’s How »Join the Note Closers Show community today:WeCloseNotes.comThe Note Closers Show FacebookThe Note Closers Show TwitterScott Carson LinkedInThe Note Closers Show YouTubeThe Note Closers Show VimeoThe Note Closers Show InstagramWe Close Notes Pinterest

Maximize Your Reach: The Power of Repurposing ContentIn this episode, Scott Carson breaks down the "Rinse and Repeat" method, a marketing strategy used by global giants like McDonald's to stay top-of-mind with their audience. Many investors make the mistake of "one and done" marketing—posting a video or sending a letter once and giving up when they don't see immediate results. Scott argues that to truly scale a real estate or note investing business, you must embrace remarketing your content, pitch decks, and case studies to ensure you are seen by more than just the small percentage of followers reached by initial algorithms. By leveraging modern AI tools and strategic scheduling, you can turn a single piece of high-quality content into a continuous lead-generation machine.Key Topics Covered:The McDonald’s Marketing Model: Scott explains how major brands run the same 30-second ad thousands of times a week to build brand recognition, contrasting this with the typical investor's "one and done" approach.The 15-Minute Pitch Deck: Learn why a concise, fifteen-minute pitch deck is your most powerful tool for raising capital and how to effectively "chum the water" to attract private investors.AI-Enhanced Repurposing: Discover how to use tools like Gemini to transform one video transcript into multiple SEO-rich blogs, descriptions, and social media posts, making AI think you have more content than you actually do.Strategic Scheduling and Re-streaming: Scott shares his personal workflow for using tools like Restream and Buffer to broadcast live content multiple times and rotate infographics daily to maintain a consistent presence.Leveraging YouTube Analytics: Insights into using your channel's "Audience" data to determine the optimal times for uploading and live-streaming to maximize engagement and algorithm favor.Success in raising capital and closing deals isn't just about creating content; it's about making sure that content is seen repeatedly by your target audience. Most sales are made after the fifth contact, yet most investors stop after the first. By applying the rinse and repeat method—tweaking titles, updating thumbnails, and rescheduling your best assets—you can build the credibility and recognition needed to dominate your local market. As Scott says, don't let your hard work fall on deaf ears; take action, use the tools available, and see you at the top.Watch the Original Video of this Episode HERE!Book a Call With Scott HERE!Sign up for the next FREE One-Day Note Class HERE!Sign up for the WCN Membership HERE!Sign up for the next Note Buying For Dummies Workshop HERE!Love the show? Subscribe, rate, review, and share!Here’s How »Join the Note Closers Show community today:WeCloseNotes.comThe Note Closers Show FacebookThe Note Closers Show TwitterScott Carson LinkedInThe Note Closers Show YouTubeThe Note Closers Show VimeoThe Note Closers Show InstagramWe Close Notes Pinterest

In this episode of the Note Closer Show, host Scott Carson sits down with real estate veteran Felipe Soares to dissect the realities of the 2026 fix-and-flip market. With over 18 years of experience and more than 400 rehabs under his belt, Soares provides a masterclass in transitioning from wholesaling to high-volume rehabbing without using your own capital.The Anatomy of a Successful FlipSoares emphasizes that while the business is simple, it is far from easy. He argues that the biggest mistake investors make is failing to truly dial in their After Repair Value (ARV). In a market where values can fluctuate by 10% or more, Soares suggests that if you cannot accurately predict the ARV, you shouldn’t touch the deal. He also stresses the importance of the 78% rule; paying more than 78 cents on the dollar (including repairs and holding costs) often leads to negative returns for short-term projects.Efficiency is the name of the game in 2026. Soares reveals his "rule of thumb" for timelines: every $10,000 in scope requires two weeks of work. To maintain this pace, he operates his own licensed construction umbrella, managing four dedicated general contracting crews that work exclusively for him. By purchasing materials directly and leveraging "Pro" relationships at major retailers, he maximizes margins while earning millions of travel points to fund a first-class lifestyle.Key Topics Covered:The Power of Persistence: Soares shared how it took him 18 months to close his first $3,000 wholesale deal, proving that "putting in the reps" is the only way to reach $60 million in transactional volume.Precision Underwriting: Why the ARV is the ultimate "deal killer" and why investors must account for the 90-day FHA anti-flip seasoning rule when projecting exit timelines.Leveraging Technology: The use of AI tools like CubiCasa for instant floor plans and Richer Values for AI-driven appraisal data even in non-disclosure states like Texas.Relationship-Based Contracting: Why treating contractors "like family" and keeping them busy year-round is better than always chasing the lowest bid.High-Impact Aesthetics: Focusing budget on "Say Yes to the Dress" moments—specifically kitchens and master suites—using quartz counters, heated floors, and strategic lighting to trigger emotional buys.Felipe Soares’ journey from an underage investor trying to sneak into networking events to a "Stud Muffin-aire" educator proves that success in real estate isn't about luck—it's about systems. By combining conservative underwriting with modern AI tools and a "boots on the ground" approach to project management, investors can navigate even the toughest market cycles. As Scott Carson notes, the only way to reach the top is to take these tactics and move into action.Watch the Original VIDEO HERE!Here is a list of websites and tools mentioned in this episode:CubiCasa: A free mobile app used to scan a house and generate a blueprint with actual measurements, CAD upgrades, and floor plans within minutes.Richer Values: An AI-powered tool that provides accurate After Repair Value (ARV) data and appraisal-level documentation, even in non-disclosure states like Texas.Real.Vision: A professional photography service used for high-end property marketing, providing interactive virtual tours, drone shots, and dedicated property mini-sites.Home Depot Pro & Managed Elite Account: Felipe leverages high-level "Pro" relationships and the "ProDesk" to get bulk discounts, special pricing on paint, and managed deliveries.Floor & Decor Pro: Used for interior design coordination and logistical management of flooring materials across multiple stores.REOLink: An LTE-based security camera system that runs on SIM cards and battery power, allowing for remote monitoring of job sites without Wi-Fi.Book a Call With Scott HERE!Sign up for the next FREE One-Day Note Class HERE!Sign up for the WCN Membership HERE!Sign up for the next Note Buying For Dummies Workshop HERE!

Unlocking Wealth: Why 2026 is the Year of the "Lien Lord"Are you tired of the "Three Ts" of real estate—Toilets, Tenants, and Trash outs? In a market where traditional deals are drying up and competition is fierce, seasoned investor Scott Carson is showing both new and experienced investors how to stop being a landlord and start being the bank. Welcome to the world of note investing, where you can stack massive cash flow and collect six-figure checks by purchasing distressed debt directly from banks at steep discounts. Whether you're looking to supercharge your self-directed IRA or find a passive way to exit the fix-and-flip grind, this episode dives deep into real-world case studies—from $300-a-month steady cash flow to $250,000 gross profits on a single deal. It’s time to move past the outdated strategies of the 90s and learn how to leverage AI and bank relationships to build a premier deal flow in today's economy. Key Takeaways from the Workshop:Becoming the Bank: Note investing allows you to earn above-average returns without the headaches of physical property management by purchasing first-lien mortgages at 70% of the value or less. Direct Bank Deal Flow: Learn how to bypass the MLS and foreclosure auctions by getting deal lists directly from the 5,000+ registered banks and 19,000+ lending institutions that need to move bad debt off their books. Diverse Exit Strategies: Discover 11 different ways to profit, including rehabbing the borrower to reinstate payments for long-term cash flow, offering "cash for keys" to gain equity, or foreclosing to sell the property as a fix-and-flip. Funding with OPM: You don't need millions to start; Carson explains how to use Other People’s Money (OPM) or self-directed IRAs to fund deals, allowing for tax-free growth and infinite rates of return. Modern Marketing & AI: Stay ahead of the competition by utilizing AI tools and automated marketing strategies designed for the 2026 market to identify "duds" during due diligence and find the best "cherry-picked" notes. The "sexy side" of real estate isn't about swinging a hammer; it's about owning the paper. If you're ready to stop chasing deals and start having banks send them to you, join the upcoming Austin Virtual Note Buying Workshop from February 27th to March 1st. With a 100% money-back guarantee and a tuition refund if you close a deal in your first six months, there’s no reason to stay on the sidelines. Visit http://notebuyingfordummies.com to claim your 50% discount and start your journey to becoming a "Lien Lord" today!Watch the Original Video of this Episode HERE!Book a Call With Scott HERE!Sign up for the next FREE One-Day Note Class HERE!Sign up for the WCN Membership HERE!Sign up for the next Note Buying For Dummies Workshop HERE!Love the show? Subscribe, rate, review, and share!Here’s How »Join the Note Closers Show community today:WeCloseNotes.comThe Note Closers Show FacebookThe Note Closers Show TwitterScott Carson LinkedInThe Note Closers Show YouTubeThe Note Closers Show VimeoThe Note Closers Show InstagramWe Close Notes Pinterest

The Tale of Two Tapes: Unlocking Profits in the Note Investing MarketIn the world of real estate, there are those who chase physical property, and then there are the "gentle note investors" who look for the hidden gold within the paper. Channeling a bit of Charles Dickens—and perhaps a touch of Bridgerton—Scott Carson recently took to the airwaves for "Note Night in America" to break down two distinct, high-potential investment opportunities. Whether you are looking for the steady rhythm of performing land contracts or the complex, high-reward puzzle of early buyouts (EBOs), the current market is ripe for those ready to take action. Let's dive into the "Tale of Two Tapes" and see where the smart money is moving as we head into the new season. Key Takeaways from This Episode:Exploring the Power of Performing Contracts for Deed: A featured tape included 60 performing contracts for deed (land contracts) primarily centered in Wichita, Kansas. These assets offer a mixture of "rough" properties that were fixed up and owner-financed, as well as new construction homes. These notes boast attractive interest rates between 6.5% and 9.5%, often yielding double-digit returns (10-20%) when purchased at a discount. The Strategic Advantage of EBOs (Early Buyouts): The second tape consisted of 50 nonperforming FHA and VA loans, known in the industry as Early Buyouts. These assets often feature trial payment plans or active foreclosure actions. Investors can find opportunities here by either finishing the foreclosure to gain the property or benefiting from the modified payment plans once the borrower gets back on track. Navigating Tax Implications and Loan Modifications: Buying a note during a trial payment plan requires careful tax planning. If a loan modifies permanently, the IRS may attempt to tax you based on the full loan amount; however, investors can mitigate this by submitting third-party valuation forms to establish a more accurate cost basis based on the purchase price. The "Conversion" Strategy for Higher Yields: For land contracts, there is a unique opportunity to convert them into traditional 30-year mortgages. By working with a Registered Mortgage Loan Originator (RMLO), investors can formalize the paperwork, potentially increasing the asset's long-term value and stability while keeping the existing borrower in place. Hyper-Local Focus vs. National Spread: The tapes showed two different geographical strategies: the 60 land contracts were centrally located in the Wichita market, allowing for easier local oversight. In contrast, the 50 EBOs were scattered across the country, including New York, Texas, Florida, and California, requiring a broader understanding of state-specific foreclosure timelines and bankruptcy laws. Whether you're falling in love with the cash flow of Kansas or navigating the legal intricacies of nonperforming loans, the message is clear: the most successful investors are the ones who stay "in the game" and keep making offers. Note investing isn't just about the numbers on a spreadsheet; it’s about finding the opportunity within the problem. As the baseball season kicks off and the market heats up, now is the time to sharpen your due diligence and build your portfolio.Watch the Original VIDEO HERE!Book a Call With Scott HERE!Sign up for the next FREE One-Day Note Class HERE!Sign up for the WCN Membership HERE!Sign up for the next Note Buying For Dummies Workshop HERE!Love the show? Subscribe, rate, review, and share!Here’s How »Join the Note Closers Show community today:WeCloseNotes.comThe Note Closers Show FacebookThe Note Closers Show TwitterScott Carson LinkedInThe Note Closers Show YouTubeThe Note Closers Show VimeoThe Note Closers Show InstagramWe Close Notes Pinterest

The Ultimate Marketing Safety Net: Why You Don't Own Your AudienceIn the fast-paced world of 2026, many entrepreneurs are making a fatal mistake: they are building their entire business on "rented land". Whether you are a note investor, a realtor, or a fix-and-flipper, the reality is that we are all in the marketing business first. If your primary way of reaching clients is through a free platform like Facebook or LinkedIn, you are one algorithm change or account deletion away from having your business vanish overnight.I’ve seen it happen to the best of us. From podcasting experts losing 20-year-old accounts to major email services flagging databases, the message is urgent: you must own your data. Success in today’s market isn't just about finding deals; it's about "carpet bombing" your message across multiple channels while funneling every lead into a database you actually control.5 Keys to Dominating Your Marketing in 2026Own the "Gold" (Name, Email, and Phone): Social media followers are great for presence, but the only true assets you own are your contacts' names, email addresses, and cell phone numbers. These three pieces of information are the most valuable resources in your business, allowing you to bypass platform gatekeepers and connect directly with your audience.The Power of the Weekly Drip: Consistency is the antidote to being forgotten. You should be sending at least one email per week to your database to stay top-of-mind. Frequent communication leads to lower opt-out rates because you are building a relationship rather than just asking for money when you have a deal.Leverage AI for Content Multiplicity: You don't need to spend hours writing from scratch. Use AI to take a single long-form video or podcast transcript and "chop" it into 30 short-form videos, blogs, and newsletters. This "multi-touch" approach ensures you are seen on every platform—from LinkedIn newsletters to YouTube—without doubling your workload.Implement "Mother Ship" Landing Pages: Every piece of content should lead back to your "mothership"—your website. Use simple one-page landing pages with "opt-ins" like free classes or case studies to capture lead information. Even if they don't buy immediately, you've captured the data necessary for future marketing.The "Jab, Jab, Jab, Right Hook" Philosophy: Most investors fail at raising capital because they only reach out when they are desperate for a deal. Instead, provide value through "edutainment"—sharing case studies, industry articles, and networking updates. By giving 75% of the time, your "ask" for funding will feel like a natural opportunity for your investors rather than a cold pitch.Conclusion: Take Action Before the "Fade"Don't let your business fade away like a character in a movie. If you aren't growing your database, you aren't growing your income. Start by exporting your contacts from LinkedIn or your calendar service and moving them into a dedicated CRM. Remember, email still provides the highest ROI in marketing—returning roughly $44 for every $1 spent. Stop being a "secret agent" and start sharing your journey consistently.Watch the Original Video of this Episode HERE!Book a Call With Scott HERE!Sign up for the next FREE One-Day Note Class HERE!Sign up for the WCN Membership HERE!Sign up for the next Note Buying For Dummies Workshop HERE!Love the show? Subscribe, rate, review, and share!Here’s How »Join the Note Closers Show community today:WeCloseNotes.comThe Note Closers Show FacebookThe Note Closers Show TwitterScott Carson LinkedInThe Note Closers Show YouTubeThe Note Closers Show VimeoThe Note Closers Show InstagramWe Close Notes Pinterest

Your Note Investing Super Bowl: Build a Dream Team to Dominate 2026!Alright, everybody! Scott Carson here, ready to tackle a crucial topic that's been lighting up my phone: building your ultimate note investing dream team. With the Super Bowl on the horizon, it's the perfect analogy – you wouldn't put a quarterback at nose tackle, right? The same goes for real estate. You can't be a solo-preneur, trying to do it all yourself, especially when you're buying notes in 20+ states like me!Many new investors (like Vincent from Harrisburg, PA – this one's for you, buddy!) think they need to master every single task. But here's the kicker: delegating isn't just smart; it's essential. I've been coaching for almost two decades, and the most successful investors aren't just good at one thing; they're great at assembling a team. So, let's draft your winning lineup for 2026!Here's how to build your note investing dream team:The Scouting Report: REIAs & Networking: Your first stop? Local Real Estate Investor Associations (REIAs) and BNI groups. These are your recruiting grounds for investor-friendly realtors, title companies, and other pros. Don't be a wallflower; get there, ask around, and find the right people who want to work with investors.The Playmakers: Realtors & Title/Attorneys: You need reliable realtors for BPOs and market insights (especially out-of-state!). Pair them with investor-friendly title companies or real estate attorneys for seamless closings and secure money transfers. They're critical for evaluating and closing your deals.The Coaches: Licensed Servicers & Foreclosure Attorneys: For note investors, a licensed servicer is non-negotiable – they collect payments, handle communication, and manage legalities, saving you headaches (and potential fines!). A real estate attorney in every state you're active in is your offensive coordinator for foreclosures and workouts.The Finance Department: Hard Money & Private Capital: Even if you're the bank, you need a bank! Build relationships with hard money lenders for REO rehabs and, crucially, cultivate private money investors (IRAs, OPM). Your network of other investors can also be a goldmine for capital.The Ground Crew: Contractors & Property Management: When you take back an REO, you need reliable contractors (roofers, HVAC, handyman crews) to get it market-ready. For rentals, a trusted property manager (preferably local) is essential. These are your boots-on-the-ground, turning a problem asset into a profitable solution.You're not Tom Brady, trying to throw the ball to himself and run the field without blockers. You need a team that takes things off your plate, provides expertise, and moves your deals forward. My success, and my students', comes from building these relationships.Don't let the thought of doing it all yourself cripple your ambition. Leverage your network, find your dream team, and watch your note investing portfolio soar. If you need help finding these all-stars, reach out – we have a nationwide network ready to help you take your business to the next level. Go out, take some action, and let's go win that Super Bowl!Watch the Original VIDEO HERE!Book a Call With Scott HERE!Sign up for the next FREE One-Day Note Class HERE!Sign up for the WCN Membership HERE!Sign up for the next Note Buying For Dummies Workshop HERE!Love the show? Subscribe, rate, review, and share!Here’s How »Join the Note Closers Show community today:WeCloseNotes.comThe Note Closers Show FacebookThe Note Closers Show TwitterScott Carson LinkedInThe Note Closers Show YouTubeThe Note Closers Show VimeoThe Note Closers Show InstagramWe Close Notes Pinterest

Arizona's Legislative Shenanigans: Why HB2486 is a Disaster for Distressed Real EstateGather 'round, folks, because Arizona just dropped a legislative bombshell that's so pants-on-fire ridiculous, it makes my hair hurt. We're talking about HB2486, a bill so aggressively anti-investor it’s practically a blueprint for how not to help distressed homeowners. And let me be crystal clear: this isn't just some anti-wholesaling fluff; this thing targets every single investor – flippers, buy-and-hold, even your grandma doing a creative deal!The government, bless its meddling heart, wants to dictate how much you can pay for a distressed property. Because, apparently, two consenting adults deciding on a fair price is just too much freedom. If this passes, say goodbye to viable solutions for struggling homeowners and hello to a tsunami of foreclosures. We need to stop this legislative train wreck NOW.Here's why HB2486 is a colossal pile of legislative horse manure:You're an "Equity Purchaser" (aka, a Villain!): If you acquire property, don't plan to live in it for 12 months, and intend to make a profit (you know, like a business?), congrats! You're an "equity purchaser." This bill doesn't care if you assign, double close, or use cash – if you're an investor, they're coming for you."Distressed" Means Whatever They Say It Means: A property is "distressed" if the seller is delinquent, received a foreclosure notice, OR – get this – believes they might default soon. So, if a homeowner has a bad dream about defaulting, your deal might be toast. Makes perfect sense, right? (My sarcasm meter just broke).The Infamous 82% Rule & Escrow's New Big Brother Role: This is where it gets crazy. You CANNOT buy a distressed property for less than 82% of its as-is fair market value. Period. No exceptions. Escrow and title companies are now legally prohibited from closing if this arbitrary threshold isn't met. So, the government, not the market or the homeowner, decides what a property is worth.Creative Financing: Poof! It's Gone: Sub-to? Forget it. All liens must be paid in full at closing. Seller financing, wraps, installment sales? Banned – the seller can't extend credit. Rent-backs/lease-backs? Limited to a laughable 20 days post-closing. This bill isn't just anti-creative finance; it's a full-on annihilation of options.Wholesaling Gets a Bullet to the Head: Wholesaling at 82% of FMV is like trying to make a profit selling lemonade in a snowstorm. Impossible. Plus, if you're non-licensed, you're limited to ONE deal per year. Two or more? You need a license. It’s like they want to ensure only the most incompetent can survive.This bill, introduced by Rep. Oscar de Los Santos, doesn't protect homeowners; it removes their viable options, pushing them closer to foreclosure. It criminalizes standard, consensual real estate transactions and turns neutral transaction facilitators into government price police. This is excessive government control, plain and simple.If you value free markets, property rights, or simply believe distressed homeowners deserve options beyond a one-way ticket to foreclosure, now is the time to act. Go to THIS LINK NOW, contact the state representatives handling the bill, email them and tell them why they need to oppose this bill. Let's send a clear message: Arizona needs smart solutions, not legislative suicide.Watch the Original VIDEO HERE!Book a Call With Scott HERE!Sign up for the next FREE One-Day Note Class HERE!Sign up for the WCN Membership HERE!Sign up for the next Note Buying For Dummies Workshop HERE!Love the show? Subscribe, rate, review, and share!Here’s How »Join the Note Closers Show community today:WeCloseNotes.comThe Note Closers Show FacebookThe Note Closers Show TwitterScott Carson LinkedInThe Note Closers Show YouTubeThe Note Closers Show VimeoThe Note Closers Show InstagramWe Close Notes Pinterest

Alright, everybody! Scott Carson here, ready to dive into a unique opportunity that just landed on my desk: a new list of 50 "early buyout" notes! These aren't just any non-performing notes; they come with detailed servicing notes from the original lender outlining their attempts to get borrowers back on track, from trial payment plans to FHA loan modifications. It’s like getting a cheat sheet for understanding the borrower’s journey!Many of you know I love first-lien non-performing notes, and this batch offers a fascinating peek into institutional lenders trying to clear their books. This isn't about guessing; it's about reading the "tea leaves" (or servicing notes!) to uncover hidden value. We’ll explore what makes these notes special, how to evaluate their potential, and why understanding these lender workouts can give you a significant edge in 2026.Here’s your roadmap to navigating this unique batch of notes:The "Early Buyout" Advantage: This exclusive list contains 50 institutional first-lien notes (heavy on TX, NY, VA, CA!) ranging from $50K-$489K balances. What's unique? They come with detailed lender servicing notes outlining trial payment plans and workout efforts, offering unparalleled insight into borrower behavior.Decoding Lender Workout Notes: Learn to interpret lender comments like "FHA 40-year loan mod at 6.5% approved" or "repayment forbearance plan set zero due." These tell you the original lender’s strategy, but you need to verify if the borrower actually made the payments or if it's just a plan on paper!Strategic Pricing for Pre-Negotiated Terms: The challenge? Some of these might be priced as reperforming if a plan is "approved," even if payments haven't started. We discuss how to calculate your desired ROI (e.g., 12-15% cash-on-cash) based on the actual anticipated P&I, ensuring the deal isn't "too skinny" once your money costs and servicing fees are factored in.Beyond the Spreadsheet: Critical Due Diligence: The notes reveal crucial details like "subject property in need of significant repairs" or that a payment was made, resetting the foreclosure clock. We emphasize going beyond numbers to check property condition (online photos, street view) and understanding local demographics (e.g., a small town like Idalou, TX) to gauge market viability.Making Informed Offers & Avoiding Pitfalls: With bids due soon, understanding how to make competitive offers is key. We cover calculating bid ranges based on confirmed payment status versus "approved" plans. Learn to account for actual legal balances versus stated UPB, and why making a clear, well-justified bid is always better than guessing.This is a phenomenal opportunity to cherry-pick from a fresh list of distressed notes. Don't be fooled by "approved" plans; dig deep into the servicing notes, crunch your numbers, and ensure your desired ROI is achievable. With smart analysis, these "early buyouts" can translate into significant profits, whether through reperforming cash flow or strategic foreclosure. If you want to make an offer, do your homework, because bids are due Wednesday! Go out, take some action, and we'll see you at the top!Watch the Original VIDEO HERE!Book a Call With Scott HERE!Sign up for the next FREE One-Day Note Class HERE!Sign up for the WCN Membership HERE!Sign up for the next Note Buying For Dummies Workshop HERE!Love the show? Subscribe, rate, review, and share!Here’s How »Join the Note Closers Show community today:WeCloseNotes.comThe Note Closers Show FacebookThe Note Closers Show TwitterScott Carson LinkedInThe Note Closers Show YouTubeThe Note Closers Show VimeoThe Note Closers Show InstagramWe Close Notes Pinterest

Welcome to the new era of real estate investing. If you’ve been following the market lately, you know the old rules are changing. Values are shifting, mortgage defaults are ticking upward, and traditional "fix-and-flip" or rental strategies are becoming harder to scale. I’m Scott Carson from WeCloseNotes.com, and I’ve spent years helping thousands of investors transition from the headaches of physical property management to the high-yield world of note investing. In 2026, the biggest opportunity isn’t in owning the dirt—it’s in owning the debt. It’s time to stop being a landlord and start being the bank.5 Key Insights from the 2026 Note Investing OutlookEscape the "Three Ts" of Landlording: Traditional real estate often comes with "Toilets, Trash, and Tenants". Note investors avoid these by owning the mortgage rather than the physical property, meaning you never have to deal with broken ACs or midnight repairs.The Power of the Discount: One of the greatest advantages is buying notes at a significant discount from banks. For example, you might buy a $100,000 debt for $70,000, giving you immediate equity and higher yields than traditional rentals.Capitalizing on Market Chaos: With mortgage defaults increasing and values dropping in some areas, banks are eager to move "non-performing" notes off their books. This creates a massive "secondary market" where savvy investors can find high-potential deals.Passive Income without Property Managers: Because the borrower is responsible for the property's upkeep, taxes, and insurance, your role is purely financial. You collect the monthly principal and interest just like a major bank would.Superior Position in the Market: As a note holder, you hold a superior legal position compared to a landlord. If a tenant doesn't pay a landlord, the landlord loses income; if a borrower doesn't pay a note holder, you have the right to foreclose and take the property itself, often for much less than it’s worth.The window of opportunity in 2026 is wide open, but it won't stay that way forever. Whether you’re a tired landlord, a frustrated flipper, or a new investor overwhelmed by the current market, note investing offers a path to truly passive wealth. Don’t let another year go by dealing with the same old headaches. It’s time to level up your strategy and start making offers that make sense in today's economy. If you’re ready to take the next step, visit NoteBuyingForDummies.com and let’s turn 2026 into your most successful year yet. Let’s go out there and kick some ass!Watch the Original VIDEO HERE!Book a Call With Scott HERE!Sign up for the next FREE One-Day Note Class HERE!Sign up for the WCN Membership HERE!Sign up for the next Note Buying For Dummies Workshop HERE!Love the show? Subscribe, rate, review, and share!Here’s How »Join the Note Closers Show community today:WeCloseNotes.comThe Note Closers Show FacebookThe Note Closers Show TwitterScott Carson LinkedInThe Note Closers Show YouTubeThe Note Closers Show VimeoThe Note Closers Show InstagramWe Close Notes Pinterest

Welcome to this episode of the Monday Money Coaching Call. Look, it is absolutely freezing here in Austin, Texas. We are talking 18 degrees, which basically means the entire state shuts down because—let’s be honest—nobody here knows how to drive on ice. So, while the roads are slick, we are chilling inside where the coffee is hot, and the deals are even hotter.If you missed our massive livestream this past Saturday, don’t worry. We spent over two hours breaking down a tape of 3,067 non-performing first liens. But for today’s coaching call, I wanted to peel back the onion a little further. We are doing a deep dive specifically into the remaining 200+ Texas assets. Why Texas? Because it’s the fastest foreclosure state in the country, and when you combine speed with equity, you find the magic.In this episode, I’m walking you through my exact process of filtering a massive spreadsheet—hiding the columns that don’t matter (looking at you, "QM Flags") and highlighting the ones that equal profit. We take a serious look at a specific asset in Tyler, Texas. This isn't just looking at numbers; we become digital detectives. We look at the borrower's emotional equity (solar panels and garden gnomes count!), the "Zillow Zombie" values, and even do a Google search that reveals the heartbreaking backstory of why the borrower likely defaulted.We also tackle the difference between chasing "Subject To" deals versus buying the Non-Performing Note. Spoiler alert: You aren't getting a massive discount on a note that is only 90 days late. We run the math on calculating yields, determining legal balances, and deciding when to aim for a re-performing note versus when to accept that a property is headed for foreclosure (like a massive upside-down property we found in Dripping Springs).In this episode, we cover:The Texas Deep Freeze: Why staying off the icy Austin roads is the best investment decision you can make today.The 3,000 Note Breakdown: A recap of the massive tape we analyzed on Saturday and where to find the remaining opportunities.Geographic Breakdown: Mapping out opportunities from the Panhandle to the Valley, including Dallas, Houston, and the Piney Woods.Spreadsheet Mastery: How to filter data efficiently—calculating estimated legal balances, equity percentages, and hiding useless columns.The Tyler, Texas Case Study: A full breakdown of a property with 82% equity, analyzing photos, tax records, and potential 17-19% cash-on-cash returns.The "Human" Element: How a simple Google search revealed a borrower's personal tragedy and how that informs our strategy.Bankruptcy & Foreclosure Plays: Analyzing a deal in Montgomery, TX involving a bankruptcy plan, and a luxury builder home in Dripping Springs that is $200k upside down.Sub2 vs. NPN: Why buying the note makes more sense than a Subject To deal when the borrower is 6+ months behind.Texas Foreclosure Trends: A look at Roddy’s List and current numbers in Travis, Bexar, Dallas, and Harris counties.Look, it might be 20 degrees outside, but these yields are keeping us warm. Whether you are looking to get a borrower back on track with a modification or taking a property back in a fast foreclosure state, the opportunity is right there in the data. You just have to know how to filter for it.Make sure you grab the updated spreadsheet from the Basecamp repo (I’ll add the formulas so you don’t have to do the heavy lifting). If you are catching the replay, go back and watch the Saturday breakdown, and then join us live next time at NoteNightInAmerica.com.Watch the Original VIDEO HERE!Book a Call With Scott HERE!Sign up for the next FREE One-Day Note Class HERE!Sign up for the WCN Membership HERE!Sign up for the next Note Buying For Dummies Workshop HERE!Love the show? Subscribe, rate, review, and share!Here’s How »Join the Note Closers Show community today:WeCloseNotes.comThe Note Closers Show FacebookThe Note Closers Show TwitterScott Carson LinkedInThe No

Good morning, afternoon, and good evening, investor! Scott Carson here, ready to tackle the burning questions in the note investing world. I went straight to the source – Google's Gemini AI – and asked for the 20 most frequently asked questions by note investors. And let me tell you, AI did not disappoint! Since so many new folks want to jump into the "sexy side of real estate," I'm breaking down these essential FAQs to help you act like the bank, not the pawn.If you’ve ever wondered how much cash you really need, whether you own the property (spoiler: you don't!), or how to avoid common pitfalls, this episode is your no-nonsense guide. As I always say, the pen is mightier than the hammer, and these insights are your ultimate toolkit for 2026.Here’s your AI-powered cheat sheet to note investing:Note Investing 101: The Basics & Beyond: What's a real estate note? (It's an IOU, baby!). What's the difference between performing, non-performing, and "scratch & dent" loans? And seriously, how much money do you actually need to start? (Hint: it can be less than you think!).Yields, Values & Spreads (No, Not Butter): Unpack what constitutes a "good yield" for performing (9-12%!) and non-performing notes (20%+!). Learn about Investment-to-Value (ITV), Unpaid Principal Balance (UPB), and how to calculate your true return so you're not paying too much for the paper.Due Diligence Decoded (Without Owning the House!): Master the art of checking property condition (BPOs!), title (O&E reports!), and borrower payment history (servicing notes!). Plus, the absolute non-negotiables: collateral files and an unbroken chain of assignments – essential to avoid a "dud" deal.Operations & Management: Who Ya Gonna Call? (Not the Borrower!): Understand why you never call the borrower yourself (it's illegal, buddy!). Learn how servicers manage payments, what happens if a borrower stops paying (loan modifications, cash for keys, foreclosure!), and who's really on the hook for property taxes.Funding Your Future: IRAs & Beyond: Discover how Self-Directed IRAs are a game-changer for note investors, allowing tax-free or deferred growth. Learn about "cash for keys" as a smart exit strategy to avoid costly foreclosures, and why a clear plan beats wishful thinking every time.Whether you're a seasoned pro or just dipping your toes into the "paper investing" world, these 20 FAQs are fundamental. Don't be that person who learns the hard way because they didn't ask. Take action, get educated, and start acting like the bank. Because in the note world, being smart with your debt can make you a whole lot of dough!Want to learn more? Head over to weclosenotes.com, keep listening to the podcast, or sign up for our next workshop at notebuyingfordummies.com. Go out, take some action, everybody, and we'll see you at the top!#NoteInvesting #RealEstateInvesting #NoteInvestingFAQs #AIinRealEstate #PerformingNotes #NonPerformingNotes #DueDiligence #SelfDirectedIRA #CashForKeys #Foreclosure #InvestmentStrategy #RealEstateEducation #PodcastWatch the Original VIDEO HERE!Book a Call With Scott HERE!Sign up for the next FREE One-Day Note Class HERE!Sign up for the WCN Membership HERE!Sign up for the next Note Buying For Dummies Workshop HERE!Love the show? Subscribe, rate, review, and share!Here’s How »Join the Note Closers Show community today:WeCloseNotes.comThe Note Closers Show FacebookThe Note Closers Show TwitterScott Carson LinkedInThe Note Closers Show YouTubeThe Note Closers Show VimeoThe Note Closers Show InstagramWe Close Notes Pinterest

Good morning, afternoon, and evening, everybody! Scott Carson here, still shaking off the flu but fired up to drop some serious knowledge. Remember those 4,200 distressed notes we talked about last week? Well, a fresh list of 3,000 more notes just landed on my desk – assets that didn't get bids the first time around! This isn't just about the deals (though there are plenty of cherry-pickable non-performing notes, REOs, and subject-to opportunities); it's about the marketing mindset you need to grab them!Too many of you are "Powder Puffs" when it comes to consistent marketing, thinking one post is enough. That's like watching a commercial once and buying the product forever – it doesn't work! It's time to learn how to rinse, repeat, and repost your way to being AI-searchable and attracting the deals and capital you deserve.Here’s how to stop being a ghost and start being seen in 2026:The Second Chance Note Bonanza: Dive into the details of the remaining 3,000 distressed notes – including 355 severely non-performing assets and 119 REOs. Learn why these overlooked deals are ripe for the picking and how to make a strategic offer.The Consistency Commandment: Discover why daily, consistent posting is non-negotiable for real estate investors. Your content is only visible for a few hours; if you're not reposting, you're "nonexistent."Leverage Reposting Tools (Like Buffer.com): I'll show you how simple, often free, tools like Buffer.com allow you to schedule, clone, and endlessly repost your content across LinkedIn, Facebook, and Instagram, maximizing your visibility with minimal effort.Case Studies: Brian Dills' LinkedIn Playbook: See how fellow investor Brian Dills uses just 7 simple images, repurposed and reposted daily, to attract capital and deals – a perfect example of effective, consistent marketing.Be AI-Searchable: Outsmart the Algorithms: Learn why AI is changing how people find information and how being AI-searchable (via consistent, repurposed content on platforms like LinkedIn) is crucial for competing with the "Bigger Pockets and Zillows" of the world.Don't let "lazy assets" (yours, not the notes!) keep you from profiting in 2026. This is your chance to turn consistent marketing into consistent deal flow and capital. Remember, 80% of sales happen after the fifth contact. So, go out there, grab those deals, and for the love of God, keep posting!Watch the Original VIDEO HERE!Book a Call With Scott HERE!Sign up for the next FREE One-Day Note Class HERE!Sign up for the WCN Membership HERE!Sign up for the next Note Buying For Dummies Workshop HERE!Love the show? Subscribe, rate, review, and share!Here’s How »Join the Note Closers Show community today:WeCloseNotes.comThe Note Closers Show FacebookThe Note Closers Show TwitterScott Carson LinkedInThe Note Closers Show YouTubeThe Note Closers Show VimeoThe Note Closers Show InstagramWe Close Notes Pinterest

Good morning, afternoon, and good evening, investors! Scott Carson here, and if this episode hits a little hard, it's coming from a place of tough love! For too long, I've seen too many of you out there with "limited funds" (a thousand bucks, $18,000, or even zero!) trying to squeeze a square peg into a round hole, hoping a partial note deal will magically appear. Newsflash: a thousand bucks won't even buy you a decent partial, and all that effort for a "crappy deal" will eat your profits faster than a Texas heatwave!It’s time for a come-to-Jesus meeting with that six-to-eight inches between your ears. That "mind block" is your biggest hurdle to success in real estate. If you want to own something, grow wealth, and actually invest, you need to raise private capital. And in 2026, it's not a suggestion; it's a non-negotiable. Stop waiting, stop wishing, and start doing.Here’s your 5-pronged approach to getting off your lazy ass and raising capital in 2026:Social Media: Post Like Your Business Depends On It (Because It Does!): Pull your head out of your ass, even if you "hate Facebook." Post daily about deals, case studies, or properties you're evaluating across LinkedIn (easy connections!) and Facebook groups. Use tools like Buffer or Hootsuite if you're a "Powder Puff" too tired after work.Email Your Database (Yes, YOU Have One!): Whether it's 50 or 5,000, your email list is golden. Send regular emails (not just once a month!) about new deals, market insights, or just to say "hey." Remember, 80% of sales are made after the fifth contact – so keep hitting that send button!In-Person Networking: Ditch the Secret Agent Vibe: Get off your couch and hit your local Real Estate Investor Associations (REIAs) or BNI groups. You can't be a "secret agent" and expect to raise capital. Show up, talk to people, and build those connections.Target Self-Directed IRA Investors (They're Everywhere!): Learn to find SDIRA investors by searching county records for "Equity Trust" or other SDIRA companies. Send them postcards, letters, and multiple follow-ups. They have the money, you have the opportunities.Rinse and Repeat (Daily, Not Just When You Feel Like It): The most successful investors do these things again and again and again. Marketing for deals and money is a daily grind, not a weekly wish. If Warren Buffett markets to raise capital, so should you!Stop making excuses. If you hate your job, you owe it to yourself to spend 30 minutes to an hour daily on these activities. It's a small investment of time for a massive payoff. Otherwise, you'll get the same "lazy ass" results as last year. Your family, your goals, your "why" deserve more. So go out, take some action, and let's build you a river of private capital in 2026!Watch the Original VIDEO HERE!Book a Call With Scott HERE!Sign up for the next FREE One-Day Note Class HERE!Sign up for the WCN Membership HERE!Sign up for the next Note Buying For Dummies Workshop HERE!Love the show? Subscribe, rate, review, and share!Here’s How »Join the Note Closers Show community today:WeCloseNotes.comThe Note Closers Show FacebookThe Note Closers Show TwitterScott Carson LinkedInThe Note Closers Show YouTubeThe Note Closers Show VimeoThe Note Closers Show InstagramWe Close Notes Pinterest

Good morning, afternoon, and good evening, everybody! Scott Carson here, and boy, do I have a treat for anyone asking, "What am I gonna do in 2026?!" Our special guest isn't just a rockstar; he’s the man, the myth, the legend who got smacked with an "oh, sh*t, I gotta do something FAST" moment when he and his wife welcomed triplets! That's right, Dave Wolcott of Pantheon Investments, author of Holistic Wealth Strategy, joins us to map out your blueprint to financial freedom. This isn't about silver spoons; it's about intentional living and kicking the "rat race" to the curb!Dave's journey, from 20 years in the Marine Corps to building a phenomenal alternative investment portfolio, shaped his unique 5-phase framework. He’s here to show you how to escape Wall Street's paradigm, boost your Financial IQ, and finally achieve that true legacy wealth you've been dreaming of.Here are Dave's 5 Pillars to building your Holistic Wealth:Mindset is 80% of the Game: Learn why focusing on the "six to eight inches between your ears" and cultivating an "asymmetric mindset" (higher yield, lower risk!) is crucial to overcoming self-doubt and conventional financial planning myths.Elevate Your Financial IQ: Discover why your net worth is directly proportional to your financial IQ. Embrace Warren Buffett's wisdom: only invest in what you truly understand, opting for "Main Street" private assets over Wall Street's "pawn" game.Fortress Your Finances with Infrastructure: Understand the importance of building robust infrastructure around your wealth, including solid tax strategies (aim for 20% or less!), infinite banking, and using tools like Pantheon Wealth OS to track your portfolio.Strategic Asset Repositioning: Uncover creative ways to reallocate "trapped" capital from qualified plans (401k) into self-directed IRAs for alternative investments, or leverage home equity for smart arbitrage (borrowing at 8% to make 12%+).Massive Passive Income Through Action: Dave breaks down how to build a diversified portfolio of non-correlated assets (notes, real estate, oil & gas) to achieve the "trifecta": tax efficiency, passive income, and forced appreciation – all by taking consistent action!If you've been hoping your financial future will magically sort itself out (spoiler: hope is not a strategy!), this episode is your wake-up call. Dave proves that true wealth is built intentionally, not accidentally. He'll show you how to stop listening to the "too risky" crowd and start making moves that make sense.Grab your free copy of Dave's book at holisticwealthstrategy.com and start your intentional journey today! Because like Dave's kids, who are already crushing fix-and-flips using infinite banking, it's time to teach yourself (and your family) how to play chess with money, not checkers.Watch the Original VIDEO HERE!Book a Call With Scott HERE!Sign up for the next FREE One-Day Note Class HERE!Sign up for the WCN Membership HERE!Sign up for the next Note Buying For Dummies Workshop HERE!Love the show? Subscribe, rate, review, and share!Here’s How »Join the Note Closers Show community today:WeCloseNotes.comThe Note Closers Show FacebookThe Note Closers Show TwitterScott Carson LinkedInThe Note Closers Show YouTubeThe Note Closers Show VimeoThe Note Closers Show InstagramWe Close Notes Pinterest