Good morning, afternoon, and evening, investors! Scott Carson here, ready to drop some serious knowledge bombs on your day-to-day investing strategies. Today, we're talking with a true titan of Texas real estate finance, Michael Hoffman, founder and CEO of Longhorn Investments! Since 2008, Mike and his team have funded over 10,000 loans and $2 billion, helping investors nationwide (with about 50% of that still right here in Texas!) turn fixer-uppers into cash-flowing dreams. If you're buying, fixing, and flipping, you're gonna want to grab a burnt orange pen, because Mike’s insights are pure gold – and he's not afraid to tell you why HGTV is fictional!

In this episode, you'll learn:

• Hard Money 101 & First-Time Investor Hacks: Mike demystifies hard money lending: it's asset-based, faster than banks (5-7 days!), and funds up to 100% of loan-to-cost (up to 70% ARV). Plus, hear how Longhorn empowers first-time fix-and-flippers by focusing on the deal's viability (hello, appraisals!), not just your experience level.
• The Truth About Deals & Rehabs (and why HGTV is Fiction!): Learn why Longhorn meticulously vets every deal – they want you to succeed, not foreclose! Mike stresses the vital importance of hiring a reputable contractor (not the cheapest, and definitely not you for wall-moving projects!) and the necessity of actively overseeing your rehabs to avoid "mucking up the machine."
• Lender Goals & Market Realities: Mike pulls back the curtain on what motivates a good hard money lender: they're in the note business, not the "loan-to-own" business! Discover why quick draw disbursements (48-72 hours!) are crucial for project success, and how to spot lenders who might be running on fumes. Plus, understand how current market conditions are affecting loan terms and borrower strategies.
• Property Preferences & Geographic Boundaries: Longhorn's sweet spot? Workforce housing (ARVs under $400k) and brick, 3-bed/2-bath homes built pre-1970s. Mike explains why they avoid mobile homes (unless they're real estate!), condos (those HOA assessments are no joke!), and "Podunkville" locations (you gotta sell it to someone!).
• Passive Investing Powerhouse: The Trident Fund: Get an exclusive peek behind the curtain at Trident Realty Investments, the $222 million evergreen fund that bankrolls Longhorn's loans. Discover how accredited investors can target a 10% return (with a 1-year lockup) by investing alongside Mike, who's always the first investor in. It’s a transparent, stable way to put your lazy capital to work!

This episode with Michael Hoffman is a masterclass in navigating the hard money landscape, offering candid advice and battle-tested strategies for investors at every level. Mike isn't just a lender; he's a partner in your success, even if that means telling you to walk away from a bad deal!

Ready to get your next fix and flip funded without all the drama? Or maybe you're looking for a smarter way to invest passively? Head over to LonghornInvestments.com to connect with Mike's team, get pre-qualified, and turn those investment dreams into reality! Go out, take some action, and we’ll see you at the top!

Watch the Original Video of this Episode HERE!

Got Questions? Book a Call With Scott HERE!

Connect with Scott on LinkedIn here!

Use Scott's AI Clone HERE!

Good morning, good afternoon, and good evening, investors! Scott Carson here, and boy, do we have a treat for you! Ever wanted to tackle Texas creative financing—think subject-to, wrap-around mortgages, and assumptions—without, shall we say, foul-ups? Good, because I've brought on the man, the myth, the legend himself: T Alan Ceshker from the Ceshker Law Firm! With over 30 years in the game and a proud 5th-generation Austinite, Alan is the go-to guy for navigating the Lone Star State's unique legal landscape. He’s helped thousands of investors get these specialized transactions right, so you don't end up with an "Amityville Horror" on your hands. If you're eyeing those sweet, low-interest mortgages and distressed borrowers, this episode is your official "Don't Screw It Up" guide!

In this episode, you'll learn:

• Demystifying Texas Creative Financing (Alan's Way!): Alan cuts through the jargon, explaining why he calls everything a "wrap" (even assumptions and sub-to deals!) from a legal standpoint, and why "sub-to" is a term he strategically avoids. Learn the core concept: it's "just seller financing" where the existing mortgage stays, and the seller dons a new "lender" hat.
• Bulletproof Contracting for Texas Wraps & Assumptions: Discover Alan's ingenious "math word problem" solution for drafting contracts that account for fluctuating payoff amounts in assumptions, bypassing Paragraph 3 headaches. For wraps, it's as simple as standard seller finance! Plus, get the crucial "disclose, disclose, disclose" mantra to avoid those pesky investor amnesia cases years down the road.
• Taming the Due-on-Sale Beast with Trusts: Unpack the infamous due-on-sale clause—what it means, why lenders usually don't call it (but sometimes do!), and how Alan's proprietary "due on sale trust" structure leverages the Garn-St. Germain Act for protection. You'll hear about specific lenders (looking at you, Home Loan Servicing!) that raise flags and why downloading generic trust forms is a bad idea.
• Non-Negotiable Insurance & Legal Compliance: This is HUGE. Alan reveals the #1 reason wraps fail: incorrect insurance. Learn the exact structure (seller as additional insured, not just interest; lender as mortgagee clause) and why you must use a proven provider. Plus, understand the critical legal compliance points for Texas: RMLO requirements, the 5.016 disclosure, and the "no balloons, no ARMs" rule for baseline compliance.
• Pro-Tips for a Smooth Ride (and Avoiding Foreclosure): Get actionable advice for managing your deals: conference calls with sellers for lender contact, the strategic use of Power of Attorney for checks, and Alan's "6% down" rule of thumb to mitigate default risk. He also stresses the importance of continuous communication with all parties to ensure smooth sailing and happy campers.

This episode with Alan Ceshker is an absolute masterclass in navigating the legal and operational intricacies of Texas creative financing. He's not just talking theory; he's giving you the battle-tested strategies to build a robust portfolio and avoid painful (and costly) mistakes. So, stop drawing deals on napkins, reach out to Alan’s team, and get ready to close some rock-solid transactions! Go out, take some action, and we’ll see you at the top!

Watch the Original VIDEO HERE!

Connect with Alan's Team HERE!

Got Questions? Book a Call With Scott HERE!

Connect with Scott on LinkedIn here!

Use Scott's AI Clone HERE!

Good morning, afternoon, and evening, Corpus Christi investors! Scott Carson here, absolutely stoked to bring you an episode that's hotter than a South Texas summer day! We're diving deep into the Corpus Christi real estate market with the one, the only, Diane Walker – a rockstar South Texas realtor with an upbeat, beach-inspired approach and a serious knack for knowing her "shiznit." From Flower Bluff to Rockport, Fulton, and beyond, Diane’s got the pulse on everything from wood rot to waterfront deals!

If you're looking to buy, sell, or invest on the Texas Riviera, you need to hear this. We're talking real challenges, real opportunities, and real talk about what it takes to win in this unique coastal market. (And yes, we discuss salamanders. They eat the bigger bugs, so we're good!)

Here’s what you’ll uncover in this deep dive:

• Coastal Market Nuances & Maintenance: Get the lowdown on the specific challenges of waterfront living – think extra paint, termites, and foundation checks – but also the priceless upside of fishing from your backyard and 11 months of golf!
• Cracking the Distressed Property Code: Learn Diane's proactive "how can I help?" strategy for engaging FSBOs, expired listings, and foreclosures, turning potential headaches into investor gold.
• Untapped Growth Zones & Hidden Gems: Discover where the action's heating up, from Aransas Pass's refinery-fueled growth to Portland's cruise ship potential and Kingsville's university-driven rental market – all offering serious bang for your buck.
• Creative Deals & Market Realities: Understand why price, staging, and creative financing (like rate buy-downs) are crucial in a higher-inventory market, and how "as-is" properties still need "meat on the bone" for investors.
• The Power of Proactive Marketing: Diane spills the beans on her daily grind of 25-35 calls and targeted Facebook ads that keep her pipeline full, proving that in this market, you gotta market like you know your shiznit!

Diane doesn't just sell houses; she connects opportunities, navigates challenges, and helps investors find their niche – even if it means helping them avoid those "mini mansion" temptations in Alice. This isn't just about property; it's about making smart moves in a market ripe with potential. So, if you want to find your next investment home, your forever home, or that perfect waterfront pad, grab your breakfast tacos and margaritas, and tune in!

Connect with Diane HERE!

About Diane: Diane Walker is a South Texas Realtor and team leader with Epique Realty, known for her upbeat, beach-inspired approach to real estate. As the driving force behind her coastal-themed group, she combines creative marketing, deep local expertise, and genuine connection to help clients buy and sell with confidence. Diane’s energy, professionalism, and passion for people have made her a trusted name in the community—both for her clients and for the agents she mentors to grow their own success.

#CorpusChristiRealEstate #SouthTexasInvesting #RealEstateInvestor #CoastalProperty #DistressedProperties #AirbnbInvestor #Foreclosures #AransasPass #PortlandTX #KingsvilleTX #CreativeFinancing #MarketTrends #RealtorLife #TexasRealEstate

Watch the Original Video of this Episode HERE!

Got Questions? Book a Call With Scott HERE!

Connect with Scott on LinkedIn here!

Use Scott's AI Clone HERE!