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!

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!