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!

Sign Up For Your Texas Foreclosure List HERE!

Use code WECLOSENOTES to save $20!

Hold on to your hats, folks, because this episode of the podcast is about to drop some serious financial truth bombs! Scott Carson welcomes Adam Carroll, the Shred Method legend, to help you escape the "payment problem" and become the architect of your own life! If you're tired of the doom and gloom and ready to take the "red pill" to financial freedom, then tune in and prepare to be blown away!

Ready to ditch the "broke, busted, and disgusted" routine? Adam Carroll is here to share his game-changing Shred Method and help you transform your home from a liability into your greatest asset! Learn how to think differently, leverage your resources, and create a life of lean, liquid freedom!

• The Payment Problem: Discover the root cause of financial struggles and how to break free from the cycle of living paycheck to paycheck.
• Be the Architect: Learn how to design a life that works for you by taking calculated risks and building financial freedom.
• The Shred Method: Uncover the unique cashflow technique that optimizes your income and eliminates debt in record time. CHECK IT OUT HERE!
• Mortgage Recasting: Explore the power of recasting your mortgage to minimize your payment and unlock equity for future investments.
• Equity on Demand: Learn how to access the equity in your home like a two-way street, putting it to work for you while still maintaining control.

So, if you're ready to stop buying into the victim mentality and start engineering a life of financial freedom, then dive into this episode! It's time to unplug from the matrix and become the architect of your own destiny! Now, go out there, take some action, and we'll see you at the top!

Connect with Adam Carroll HERE!

Watch the Original Video HERE!

Buy Adam's Book's HERE!

About Adam Carroll: Adam has decades of experience working with families and business owners who are interested in creating massive efficiencies when it comes to their income and wealth building capacity. With an unwavering commitment to helping people make the most of the money they make, while limiting risk, reducing tax liabilities, and increasing liquidity, Adam Carroll has spent 15 years helping people do more with the money they make. He is an internationally recognized financial literacy expert, author of three Amazon best-sellers, a two-time TED talk speaker with over 6 million views on YouTube and TED.com, and is the creator of the Broke, Busted & Disgusted documentary which aired on CNBC and is shown in hundreds of high schools and colleges across the country. He is the host of the Build A Bigger Life podcast, the curator of MasteryOfMoney.com and founder of The Shred Method™.

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, everyone! The news is buzzing with President Trump's 50-year mortgage idea for housing affordability. While the media churns drama, we stick to numbers. And the numbers, ladies and gentlemen, never lie.

We dug into this mortgage innovation with calculators (and a little AI!). Is a 50-year mortgage a brilliant strategy for real estate investors and first-time homebuyers, or an endless interest trap? Forget media drama; let's talk facts about interest rates, equity growth, and smart real estate investment in today's housing market, especially for Texas real estate.

Here's what we uncovered in this episode:

• 50-Year Mortgage: Lower Payments, Broader Access. We dissect payment differences across 15, 30, 40, & 50-year terms. Saving over $266/month on a $386K mortgage (at 6.25%) significantly boosts your debt-to-income ratio, opening homeownership doors to more.
• Flexibility is King: Strategic Wealth Building. The longer term offers financial flexibility. Use monthly savings (not just for takeout!) to aggressively tackle high-interest debt, invest for higher returns, or build emergency funds. This gives you control, empowering strategic real estate investment choices.
• Equity Growth: Appreciation Outpaces Interest. Debunking the "too much interest" myth: real estate appreciation is the true wealth builder. A $400K home, appreciating at 4% annually, can hit $526K in 7 years. Your equity grows faster than extra interest, proving property values are key, not fear-mongering.
• Renting vs. Owning: Build Wealth or "Not Own Sh!t." The rent-vs-buy debate continues. Renting seems cheaper, but 20 years of rent means missing massive home equity and wealth accumulation. Your home is your investment office; don't delay entry while property values soar.
• Strategic Homeownership: Get In, Grow, Recast. Your first home isn't forever. The strategy: enter an affordable property with a longer mortgage (e.g., in Austin, Texas). As income/market grow, refinance or recast. This leverages average 7-8 year homeowner moves, maximizing market advantage & avoiding mortgage debt pitfalls.

This isn't endless payment; it's about getting in the game, building real estate wealth, and navigating life's curveballs. For real estate investors, homeowners, and anyone wanting informed decisions (math, not melodrama!), this episode is for you. Take action, buddy!

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!

Alright, folks, ditch those tired real estate strategies because we're diving headfirst into the murky waters of probate leads with the one and only Micah Nicholes of US Leads List! Prepare to have your mind blown as we uncover the hidden gems lurking in the pre-probate shadows. If you're tired of fighting the foreclosure frenzy and want a piece of the "death and real estate" pie, then buckle up, buttercup, because this episode is for you! This episode was so successful on our Note Closers Show podcast a few months back, that we wanted to make sure to share with our listeners in Austin about this niche real estate investing strategy!

In this episode, Michael Nicholson reveals how to snag those sweet probate deals BEFORE they hit the public records. You're gonna learn how to tap into that hidden market and grab properties for a song!

• Decoding Probate Leads: Michael breaks down what probate leads REALLY are, dispelling the myths and revealing the secret sauce.
• The Pre-Probate Edge: Ditch the public records scramble! Discover how to get ahead of the game by targeting leads before they even hit the probate process.
• Data Detective Skills: Uncover the methods for connecting the dots between death and real estate ownership, finding the properties ripe for the picking.
• Compassionate Investing: Learn how to navigate the emotional landscape of dealing with grieving families, providing a valuable service while snagging killer deals.
• Market Outlook & Follow-Up Magic: Get Michael's take on the real estate market and discover the critical importance of follow-up in the probate game.

So, if you're ready to trade those tired tactics for the tantalizing world of probate leads, then dive into this episode! It's time to get your hands dirty and start mining that real estate gold! Now, get out there, take some action, and we'll see you at the top!

Sign Up for Your List of Probate Leads HERE!

Watch the Original Video of this Episode HERE!

About Micah: Micah Nicholes is the owner and CEO of USLeadList. His company specializes in providing high quality pre-probate and inheritance leads for real estate marketing, and recently has expanded to include lists of commercial leads as well. Micah has been involved in real estate investing himself for the past decade, primarily where he lives, in the Southwest part of Wisconsin, though he has properties in other areas of the country as well. He is passionate about real estate and through his company he provides hands-on support to help other investors achieve success in the industry.

Got Questions? Book a Call With Scott HERE!

Connect with Scott on LinkedIn here!

Use Scott's AI Clone HERE!

In this episode, we explore the Texas foreclosure market and provide actionable strategies for real estate investors. With foreclosure activity on the rise, Texas offers significant opportunities, but navigating this market requires specific knowledge and resources.

I will explain how to find and capitalize on foreclosure deals in Texas. From securing funding to navigating the redemption process, understanding the nuances of Texas foreclosure law is essential.

Here's what we cover in this episode:

• Texas Foreclosure Overview: An analysis of the current foreclosure landscape in Texas, including the unique aspects of the foreclosure process.
• Key Resources for Investors: A detailed look at Roddy's List (4closure.info), a valuable tool for identifying foreclosure opportunities in Texas.
• Funding Strategies: Discuss the importance of having readily available funds for Texas foreclosure auctions.
• Market Analysis: A county-by-county breakdown of foreclosure activity, highlighting key markets and property availability.
• Additional Tools and Discounts: Learn how to leverage resources and tools, including a discount code for Roddy's List. Use the code WECLOSENOTES at checkout to save $20 bucks!

In summary, the Texas foreclosure market presents lucrative opportunities for investors equipped with the right knowledge and strategies. By leveraging the resources and insights shared in this episode, you can position yourself to capitalize on these opportunities and achieve your real estate investment goals. Stay tuned for more expert advice and strategies on navigating the world of real estate investing.

Watch the Original VIDEO HERE!

Got Questions? Book a Call With Scott HERE!

Connect with Scott on LinkedIn here!

Use Scott's AI Clone HERE!

Sign Up For Your Texas Foreclosure List HERE!

Use code WECLOSENOTES to save $20!

Howdy, Investors! Scott Carson here, and I'm bringing you the lowdown on the Texas foreclosure landscape. It's November 4, 2025, which means it's Super Tuesday in the Lone Star State, and that means some incredible opportunities for all you real estate investors! In this BONUS episode, we're diving into the most up-to-date numbers of properties heading to auction across Texas's largest counties, so buckle up and get ready to scope out those deals!

Get ready for a county-by-county, quadrant-by-quadrant breakdown of both residential and commercial properties headed to auction in the largest markets of Texas. Plus, find out how to get a discount on the most comprehensive foreclosure data available.

Key Highlights:

• Statewide Foreclosure Overview: Scott provides the total number of properties slated to go to foreclosure auctions across all 220+ counties in Texas. Learn the total number of foreclosures in the state, and what they consist of.
• Residential Foreclosure Breakdown: A detailed county-by-county look at residential foreclosures, including Harris, Dallas, Tarrant, Collin, Montgomery, Bexar, Travis, Williamson, Bell, McLennan, Bee, Hidalgo, Cameron, Webb, Jefferson, Nueces, and San Patricio counties. Scott will break it down for you!
• Commercial Foreclosure Analysis: Scott shifts gears to the commercial side. He covers all five quadrants (North, South, East, West, and Central) of Texas. You will learn where the biggest commercial foreclosure opportunities are, and where the numbers are up or down this month.
• Data Sources: Scott shares how they pull foreclosure data from Roddy's Foreclosure List and foreclosure.info. He highlights the monthly reset and how to stay on top of changes. He also gives a discount for the monthly subscription.
• Roddy's Quadrants: Learn how Roddy's splits the list of foreclosures into different quadrants, and learn about the different data offered.

Alright, Investors, there you have it! The November 2025 Texas Foreclosure Update. You've got the data and the insights, now it's time to get out there and make some deals happen! Remember to check out 4closure.info for the most comprehensive foreclosure information and to use the code WECLOSENOTES for an exclusive discount. Until next month, happy investing and keep closing deals!

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!