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!

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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!

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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!

Use Scott's AI Clone HERE!