🚨 WARNING: Mortgage Distress is SOARING! 🚨 Scott dives deep into alarming new data from WalletHub, revealing a shocking truth: 1 in 11 Americans with a mortgage is in distress, 90 days or more behind on payments! This isn't just a national trend; it's intensifying, with an unsettling 5% increase in just one quarter. Even more surprising? Eight of the top 25 most distressed cities are right here in the Lone Star State – and the #1 city will absolutely astonish you!

In this must-watch episode, Scott breaks down the WalletHub report, pinpointing which cities are struggling the most, why these numbers are skyrocketing, and what it means for YOU as a real estate investor. From Laredo's staggering 24% delinquency rate to unexpected surges in major California and Florida markets, this data is critical for understanding where to find your next distressed property deal. Don't get caught off guard – learn where the opportunities are emerging and how to adapt your strategy to profit from these shifting market dynamics!

• 1 in 11 Mortgages Distressed: Uncover the alarming national average and quarterly increase in mortgage delinquencies, indicating a growing wave of distress.
• Texas on the Edge: Discover which Texas cities, including Laredo (#1 overall!), El Paso, Lubbock, San Antonio, and Houston, are experiencing significant mortgage distress.
• Top 10 Most Distressed Cities: A breakdown of the nation's highest mortgage delinquency rates, from Detroit to Newark, and what drives their financial struggles.
• Fast vs. Slow Foreclosure States: Understand how different state foreclosure laws (judicial vs. non-judicial) impact the speed and opportunity in distressed markets.
• Unexpected Surges & Drops: Analyze surprising quarterly increases in delinquency rates in cities like Irvine, California, and Tampa, Florida, alongside places where rates are improving.

The market is shifting, and understanding these trends is key to smart investing. Whether you're a fix-and-flipper, note investor, or exploring other strategies, this episode provides invaluable insights into where distress is concentrated and how to position yourself for success. Don't wait – the time to act is now!

Watch the Original Video of this Episode HERE!

Got Questions? Book a Call With Scott HERE!

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Good morning, afternoon, and evening, real estate investors! 👋 Are you looking to master owner financing and wrap-around mortgages in the hottest real estate market? This episode is for you! We sit down with the incredible Nirvana Roof, a Texas RMLO and mortgage veteran with over 25 years of experience, to unpack the intricacies of lending in the Lone Star State.

Nirvana reveals groundbreaking, just-released information straight from a recent audit: new regulations on the "three transaction rule" for owner financing, what it means for needing a mortgage company license, and how this impacts every Texas investor. Whether you're interested in traditional owner financing, true wraps, or non-qualified assumptions, Nirvana breaks down the nuances, costs, and compliance essentials. Get ready for expert insights on underwriting, creative income verification, and crucial Texas-specific rules regarding interest rates, escrows, and high-cost mortgages. This is cutting-edge information you won't hear anywhere else first!

What we will cover in this episode:

• NEW 3-Transaction Rule: Discover the latest Texas RMLO audit findings impacting how many owner finance deals you can do before needing a full mortgage company license.
• Navigating Texas Wraps: Understand the three distinct types of owner financing and wrap-around mortgages, including subject-to and non-qualified assumptions.
• RMLO Process & Costs: Get a transparent look at RMLO services, from "mini" to "full compliant" packages, and how they verify borrower's ability to repay.
• Texas-Specific Regulations: Learn crucial details on interest rate limits (the 10% threshold!), mandatory escrows, high-cost mortgage disclosures, and the impact of down payments.
• Why Outsource Servicing: Understand the vital role of third-party servicers in managing your notes, ensuring compliance, and saving you massive headaches.

Nirvana's deep expertise in both institutional and investor-focused lending makes her a "unicorn" in the industry. Don't miss this opportunity to stay compliant, maximize profits, and truly understand the landscape of owner financing in Texas. Connect with Nirvana and take your real estate investing to the next level!

Connect with Nirvana HERE!

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!

Unlock the secrets to turning distressed properties into profitable investments! 🚀 In this special "Money Monday" episode, Scott dives deep into the exciting world of Early Buyout (EBO) loans – a treasure trove of opportunity for savvy note investors. Learn how to navigate the current market with 1,500 EBO loans (VA, FHA, USDA) that lenders are looking to offload, even without massive discounts.

Scott shares his expert strategy on leveraging creative financing like wrap-around mortgages and subject-to deals. Discover how you can help homeowners avoid foreclosure, provide accessible housing solutions for new buyers, and generate significant cash flow for yourself – a true win-win-win! He breaks down a real-world spreadsheet analysis, showing you exactly how to calculate potential down payments, monthly cash flow spreads, and identify properties with hidden equity. Plus, hear insights from seasoned investor Judy on targeting distressed homeowners and structuring successful deals. Don't miss out on these actionable insights to spot opportunities in every state, from Texas to Florida, and beyond!

• 1,500 EBO Loans Revealed: Explore the massive list of Early Buyout (VA, FHA, USDA) loans and understand the unique opportunities they present in today's market.
• Creative Financing Strategies: Master the art of wrap-around mortgages, subject-to deals, and owner financing to create profitable paper without deep discounts.
• Generate Monthly Cash Flow: Learn the financial mechanics of structuring deals that produce significant monthly spreads by bridging the gap between underlying P&I and interest-only payments.
• Real-World Spreadsheet Analysis: Walk through a detailed breakdown of how to identify profitable deals, calculate down payment nets, and estimate equity from actual loan data.
• Targeting Distressed Homeowners: Discover effective marketing tactics, from letter campaigns to skip tracing, to reach homeowners in need and build win-win solutions.

Ready to make lemonade out of financial lemons? 🍋 This episode is packed with invaluable strategies to identify and capitalize on distressed mortgage opportunities, helping you grow your portfolio while making a real impact. Hit play and start turning today's challenges into tomorrow's profits!

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!

In this insightful episode, Scott welcomes insurance expert Beth Boisseau-Coots to discuss the ever-changing landscape of real estate insurance, particularly in Texas. As 2025 approaches, understanding property and casualty insurance is more crucial than ever for investors navigating a market dramatically altered by climate events and capacity issues. Beth, a leading expert in property and casualty insurance, sheds light on why Texas has become one of the top "problem children" for insurers and what investors need to know to protect their assets.

Key discussion points include:

• Texas Insurance Turmoil: Beth details why Texas has become an insurance "problem child," facing challenges from hurricanes, severe hail, and wildfires, leading to escalating costs and coverage difficulties in various regions.
• Capacity & Reinsurer Influence: Learn how commercial insurance capacity limits and reinsurers' decisions impact policy availability and pricing, sometimes forcing carriers to exit the state, directly affecting investors.
• Strategic Property Investment: Get crucial advice on areas to approach with caution (e.g., Texas coast, DFW with high wind/hail deductibles) and the distinction between replacement cost and market value to avoid common pitfalls.
• Master Policies for Portfolios: Discover the advantages of a "master policy" for investors with multiple properties, offering streamlined management, consistent rates, and flexibility for rehabs, rentals, and even certain subject-to deals.
• Investor Protection & Best Practices: Understand the importance of tenant renters insurance, contractor liability coverage, recognizing roofing fraud, and the value of assembling a trusted professional team to navigate complex insurance decisions.

Beth emphasizes the need for investors to look beyond just price, focusing on comprehensive coverage and understanding policy nuances like coinsurance penalties. With her practical advice, investors can better protect their assets. Whether you're a first-time buyer or managing a large portfolio, Beth and her team offer invaluable guidance to ensure your real estate investments are properly insured. Connect with her for expert counsel and to explore solutions like the master policy that can simplify your insurance strategy.

Connect with Beth HERE!

Beth Boisseau-Coots is Vice President at JB Lloyd & Associates with 20 years of experience in the insurance industry. Licensed in Property & Casualty and Life & Health across all 50 states, she specializes in insurance programs for community banks, lenders, and real estate investors. A Certified Insurance Counselor and currently pursuing her CPCU designation, Beth is dedicated to helping clients protect what matters most with clarity and confidence.

Watch the Original Video of this Episode HERE!

Got Questions? Book a Call With Scott HERE!

Connect with Scott on LinkedIn here!

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Hey, investors! Scott Carson here, and I've got a juicy deal that's hotter than a Texas summer! If your lazy assets (and maybe your self-directed IRA) are sitting idle, this is your chance to put them to work on a prime piece of Georgetown, Texas real estate. This isn't some long-haul, snail-paced investment – we're talking a six-month or less turnaround, with conservative numbers figuring in a year!

This beauty is one of 48 reverse mortgages we snagged from a hedge fund. The borrower's already passed, HUD's got it cleaned out, and we're looking at a clean, well-maintained property needing just a little lipstick and a fresh coat of paint. Texas foreclosures are fast, and we've got the team ready to rock and roll. This is a potential 10% (or more!) return on your money, secured with a first lien.

Here’s the breakdown on this Georgetown Goldmine:

• The Deceased HUD Gem: A clean, 3-bed, 2-bath, 1,348 sq ft home in Georgetown's hot 78628 ZIP code. Borrower deceased, heirs not fighting, property in good shape (interior inspection available!), needs cosmetic updates only – no structural nightmares.
• The Numbers Make Sense: Current legal balance: $185K. Conservative Fair Market Value: $297K. We're picking up the note for just $170K. Add back taxes and foreclosure costs, and we need $176K in funding. That's over $112K in built-in equity!
• Exit Strategy 1: Quick Auction Cash! With a 90-day Texas foreclosure and a $191K legal balance (after taxes), a quick auction sale is likely. You get a guaranteed 10% return on your $176K, paid out even if it sells faster than 90 days. We're talking $4,400+ interest in under three months!
• Exit Strategy 2: REO Flip for Bigger Bucks! If it doesn't sell at auction (our preferred scenario!), we take it back as an REO. An additional $20K for rehab (total $196K invested) for light cosmetic work. Potential net profit of $52K+ with ROI up to 20% if we're doing a one-year prepayment penalty.
• Due Diligence & Timeline: Full collateral file, realtor CMAs, title update, HUD interior inspection, and exterior video are all available. We're aiming for mid-December funding to kick off a February foreclosure and a March/June sale. Fast, efficient, and profitable!

This isn't just another podcast episode; it's a real-time opportunity. We're looking for funding in December, so if you've got an IRA or some passive investment cash ($176K) burning a hole in your pocket, and you want 10% or more, let's talk!

For the full due diligence package, comps, and all the nitty-gritty details, reach out directly! Book a call with me at talkwithscottcarson.com or text (512) 585-3810. Let's make some money together before 2026 hits!

Watch the Original VIDEO HERE!

Got Questions? Book a Call With Scott HERE!

Connect with Scott on LinkedIn here!

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Good morning, afternoon, and good evening, Texas investors! Scott Carson here, and it's that time again – time for your December Texas Foreclosure Update! Grab your boots and your notebooks, because foreclosures are officially heating up like a Texas summer day in July. Roddy List data just dropped, and let me tell you, Q3 saw a massive surge in REOs hitting the market, with Houston leading the charge as one of the nation's most distressed cities. If you're ready to scoop up some serious Lone Star gold, tune in as we break down the county-by-county numbers for the upcoming December 2nd Super Tuesday auctions!

Grab Your County List HERE! Use the code WECLOSENOTES to save $20 on your order!

In this episode, you'll learn:

• 4,000 Foreclosures on the Block (Residential & Commercial): December 2nd is the day, with a whopping 4,000 properties statewide heading to auction. From residential gems to commercial opportunities, the sheer volume means there’s something for every savvy investor willing to dig!
• Houston Leads the Charge (Again!): Harris County clocks in with a jaw-dropping 655 properties, solidifying Houston's reputation as a hotspot for distressed assets. Dallas County (308) and Tarrant County (251) aren't far behind, proving the major metros are where the action is.
• San Antonio Sees a Surge: Keep your eyes peeled on Bexar County, which is sporting a hefty 405 foreclosures. Even Austin's Travis County (131) and North-Austin's Williamson County (53) are showing significant activity, meaning even the hotter markets are feeling the squeeze.
• Commercial Opportunities Abound: Beyond residential, Texas boasts 526 commercial properties hitting the auction block. North Texas (152), Central Texas (126), and East Texas (112) lead the regions, offering diverse chances for commercial real estate pros.
• REO Wave Incoming: Your Next Big Opportunity: Less property selling at auction means more bank-owned REOs (over 1,200 in Q3 alone!). We use these foreclosure lists to find distressed borrowers and investors, making direct contact with banks and attorneys. December's numbers are your roadmap to securing deals before the New Year's rush!

The bottom line? December isn't just for holiday cheer; it's a goldmine for Texas real estate investors. These numbers aren't just statistics; they're opportunities screaming your name. Whether you're targeting local markets or looking to leverage these lists for nationwide distressed debt, this update is your starting gun. If you're ready to stop listening and start doing, hit me up at talkwithscottcarson.com. As always, check out weclosednotes.tv for more insights. Go out, take some action, and let's turn these foreclosures into your next big win! Don't let these deals pass you by!

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!