James Toler is the #1 lender in Houston and Galveston County, with over 3,000 loans funded since 2021 and more than 100 flips per year under his belt. He’s the owner of King James Lending and one of the sharpest operators in the Texas real estate game.

In this episode, James breaks down the mindset, strategy, and slow, obsessive improvement that built his empire — from earning just $4,000 in commission on his first flip… to becoming one of Houston’s most trusted lenders.

James shares how early exposure to business shaped him, why confidence is essential in investing, and the real behind-the-scenes truth about contractors, private money, and scaling a team.

This episode is packed with game. 👊🔥

In this episode, James breaks down:

🔥 How he went from making $4,000 commission on his first flip → to 100+ flips a year

💰 The deal that made him $60K and shifted his entire trajectory

🧠 Why “slow improvement” is his secret advantage

🛠️ How he built long-term, reliable contractor relationships

🤝 How he secured his first private investor (and the exact structure he used)

👥 Why culture is everything when scaling a team

💼 How his wife helped streamline operations and scale faster

🏦 How he accidentally became a lender — and funded 70–90 loans with his own capital before scaling

📈 Why sales & marketing are the lifeblood of volume

🏗️ His land holdings, new builds, and long-term investment strategy

📊 What he saw in the 2025 market — and how he adapted to win

🚀 His goals for 2026 and the mindset behind ongoing growth:

“Focus on the actions that produce results — not the results themselves.”

James Toler’s story proves that obsession, consistency, and smart systems can take you further than talent alone.

If you’re an investor, lender, or operator — this episode is mandatory.

Entrepreneurship is about making calls others won’t. That’s where we come in — combining AI, people, and relentless hustle to fill your pipeline with leads and scale your business.

Click on the link below to see how Vancom can help! 🔗 https://vancom.io/calendar-page

Connect with Us: Instagram / josuellanass

Our guest: Contact James Call/Text 832-256-8596

Visit his website https://www.kingjameslending.com/

His personal Instagram jamesrtoler

👉 Don’t forget to like, comment, and subscribe for more powerful stories of business, real estate, and scaling your business! 🔔

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