The Note Closers Show - The #1 Podcast for Note Investing cover art

The Note Closers Show - The #1 Podcast for Note Investing

The Note Closers Show - The #1 Podcast for Note Investing

By: Scott Carson
Listen for free

About this listen

Explore the world of real estate note investing and gain insights into controlling real estate at huge discounts!

Are you a real estate investor or entrepreneur looking to expand your knowledge in the market? Welcome to "The Note Closers Show Podcast," a podcast dedicated to real estate investing, with a focus on note investing.

Join your host, Scott Carson, a seasoned investor with experience in real estate and note investing. This podcast aims to provide a comprehensive look at buying, selling, and managing mortgage notes and paper assets.

What You'll Learn & Who You'll Meet:

  • Distressed Asset Insights: Learn about buying non-performing and performing notes from various sources and how this relates to controlling properties.
  • Expert Interviews: Scott features discussions with industry experts, including attorneys, loan servicers, title experts, vendors, and successful individuals in the field.
  • Actionable Strategies: Gain insights into finding deals, performing due diligence, negotiating, creative financing techniques, and potentially maximizing returns.
  • Beyond the Notes: The show also delves into entrepreneurial skills such as marketing, raising capital, business systems, and the mindset needed for success in various market conditions.
  • Inspiration & Entertainment: Listen to engaging conversations with diverse guests who share their journeys.

Why Tune In?

Whether you're new to real estate investing or have experience, Scott aims to provide knowledge and clarity to help you in your endeavors. The content is presented with a focus on finding opportunities.

Join the Community:

  • Listen to new episodes weekly across major podcast platforms and watch on YouTube.
  • Find free resources and a schedule of events and training at www.WeCloseNotes.com.
  • Learn more about potential coaching opportunities by booking a call at www.TalkWithScottCarson.com.


Subscribe now to explore real estate note investing!

Scott also brings in experts in marketing, entrepreneurship, business, and mindset to help his audience in the day-to-day grind of being a business owner, investor and entrepreneur. With over a decade of experience as the “Note Guy” Scott has invested in all types of note investments. Ranging from residential assets on an individual or large bulk basis to commercial notes in each asset class, Scott has the connections and knowledge to help his students take down all property types. If you have an appetite to grow your business from single family homes to multifamily, self-storage, mobile home parks, mixed-use, strip malls or other asset classes, Scott brings on the experts in these different fields to help give you guidance and clarity as a note and real estate investor to find success at your own pace. The Note Closers Show also features a variety of different experts and vendors, ranging from attorneys, servicing companies, special servicing experts, title experts, and other real estate professionals to help you organize your own note business and have the best possible team of professionals at your disposal. Along with these experts, Scott also spends time identifying market and deal opportunities across the multiple facets of the note and paper industry. Scott also realizes that work isn’t everything to an entrepreneur, and that’s why he also mixes in the occasionally mindset expert and guest wild card to keep his shows content fresh and relevant in today’s everchanging investment environment. It’s common for Scott to add an award-winning personality, athlete or podcaster to the stellar lineup of guests who might make a surprise appearance on the podcast. Scott’s willingness to be an open book and share the different facets of his business, life, and journey and his ability to use humor (and his sound effects) will keep you coming back again and again.

Copyright 2018-2026 Scott Carson, We Close Notes, Inc | All rights reserved Career Success Economics Leadership Management & Leadership Personal Finance
Episodes
  • Owner Finance Secrets: How to Structure Notes For the Biggest Payday

    Owner Finance Secrets: How to Structure Notes For the Biggest Payday
    Apr 13 2026
    Mastering the Note: How to Structure Owner-Financed Deals for Maximum ValueAre you tired of leaving money on the table when selling your real estate notes? Whether you are a seasoned investor or just starting to explore the world of owner financing, the way you structure your paper today dictates your payday tomorrow. In this episode, we dive deep into the mechanics of creating "sellable" paper. We aren't just talking about collecting monthly checks; we are talking about building an asset that Wall Street and private mortgage funds actually want to buy. If you’ve ever been frustrated by lowball offers or wondered why some notes sell at par while others take a 40% haircut, this guide is for you. We’re moving beyond the "we buy notes" postcards and getting into the high-level coaching you need to protect your equity and your future.Key Strategies for High-Value Note CreationTo ensure your note is marketable on the secondary market and maintains its value, you must avoid the "cheap" mistakes that kill deals. Here is the blueprint for a properly structured note:Mandatory Use of an RMLO: Always hire a Registered Mortgage Loan Originator to handle your documentation. They ensure your loan is Dodd-Frank compliant and provide the "uniform paper" look—including credit reports and 1003 applications—that institutional buyers require.The Power of Third-Party Servicing: Do not self-service your loans. For a small monthly fee, a professional servicer provides an official third-party payment history, manages escrow for taxes and insurance, and handles borrower outreach within legal guidelines.Optimal Down Payment & LTV: Aim for a minimum of 10% down to build immediate equity and reduce default risk. A Loan-to-Value (LTV) ratio of 90% or less is the gold standard for marketability.Market-Rate Interest Benchmarks: In the current 2026 market, notes with interest rates below 8% will face significant discounts on the secondary market. To avoid a "haircut," structure your notes at or slightly above current market rates.Creative "Two-Lien" Structuring: Instead of one 90% LTV loan, consider a 75% first lien and a 15% second lien. This allows you to sell the first lien close to par while keeping the second lien for pure cash flow in your portfolio or IRA.Borrower Qualifications: Prioritize borrowers with a FICO score of 620 or higher and a Debt-to-Income (DTI) ratio below 50%. If a borrower cannot qualify at 8% interest with 10% down, it is often better to list the property traditionally than to create "bad paper".Avoiding Over-Valuation: Never sell a property significantly above its fair market value just to create a larger note. Note buyers will base their offers on the actual asset value, not your inflated sales price.Don't let a "bag of crap" of advice from the internet ruin your exit strategy. Owner financing is one of the most powerful tools in real estate, but it requires precision and professional oversight to be truly profitable. By utilizing RMLOs, professional servicing, and smart multi-lien structures, you aren't just a landlord—you are the bank. Remember, life happens; you may not plan to sell your note today, but you want to ensure that if you ever need to, the door to that "long hallway" of funding is wide open. Take action, structure your deals properly, and let's keep making smart moves in the note space. See you at the top!Watch the Original VIDEO HERE!Book a Call With Scott HERE!Sign up for the next FREE One-Day Note Class HERE!Sign up for the WCN Membership HERE!Sign up for the next Note Buying For Dummies Workshop HERE!Love the show? Subscribe, rate, review, and share!Here’s How »Join the Note Closers Show community today:WeCloseNotes.comThe Note Closers Show FacebookThe Note Closers Show TwitterScott Carson LinkedInThe Note Closers Show YouTubeThe Note Closers Show VimeoThe Note Closers Show InstagramWe Close Notes PinterestGet Signed Up For the Next Note Buying Workshop HERE!
    Show More Show Less
    40 mins
  • BONUS - Note Investing 101 - 2 Hour Training Class

    BONUS - Note Investing 101 - 2 Hour Training Class
    Apr 10 2026
    Unlock the Power of the "Lien Lord": Master Your Financial Future!Dive into the lucrative world of bank note investing with Scott Carson, the "Note Guy." This 2026 edition of Note Investing 101 reveals how you can move away from the traditional headaches of being a landlord and instead embrace the high-yield, low-stress life of a "Lien Lord". Whether you are a seasoned investor or a complete novice, these insights will show you how to leverage the same debt-buying strategies used by Wall Street to generate consistent cash flow and achieve double-digit returns.Core Topics Covered in the Training:The "Lien Lord" Strategy: Learn why buying debt is often superior to traditional fix-and-flips, focusing on cash flow and leverage rather than property maintenance.Institutional vs. Non-Institutional Debt: Understand the differences between bank-originated notes and private owner financing, and why focusing on the institutional side offers more consistent deal flow.Asset Classes & Niches: A breakdown of residential first and second liens, commercial notes, and contract for deeds, including which niches to prioritize for the best returns.State-Specific Foreclosure Dynamics: Navigating the differences between judicial and non-judicial foreclosure states and how these timelines impact note pricing and profitability.Direct-to-Bank Marketing: Proven techniques for finding notes by contacting asset managers at the 5,000+ federally chartered banks and thousands of lending institutions.The Banker’s Mindset: Shifting your perspective from owning property to owning the legal balance, emphasizing workouts and "trial payment plans" (TPPs) over immediate foreclosure.Social Media & Capital Raising: How to use platforms like LinkedIn, YouTube, and TikTok to build authority, find deals, and raise millions in private capital.Due Diligence & Servicing: The essential role of third-party licensed servicers and the "red flag" items to check—like title liens and bankruptcy filings—before purchasing an asset.Take Action and Scale Your Business!The journey to financial independence doesn't have to be a solo mission. From free resources like the Note Closer Show podcast and Note Night in America webinars to the intensive "Note Buying for Dummies" workshop, there is a clear path to help you reach a six-figure income within 12 to 24 months. Don't let your capital sit idle—stop being "tired of being tired" and start putting your money to work today. Visit notebuyingfordummies.com to join the next workshop and take the first step toward your new legacy!Watch the training VIDEO HERE!Book a Call With Scott HERE!Sign up for the next FREE One-Day Note Class HERE!Sign up for the next Note Buying For Dummies Workshop HERE!Love the show? Subscribe, rate, review, and share!Here’s How »Join the Note Closers Show community today:WeCloseNotes.comThe Note Closers Show FacebookThe Note Closers Show TwitterScott Carson LinkedInThe Note Closers Show YouTubeThe Note Closers Show VimeoThe Note Closers Show InstagramWe Close Notes Pinterest
    Show More Show Less
    2 hrs and 1 min
  • How to Make 6-Figures Annually as a Real Estate Note Investor in 2026

    How to Make 6-Figures Annually as a Real Estate Note Investor in 2026
    Apr 10 2026
    Are you tired of the "toilets, tenants, and trash" of traditional real estate? In this episode, Scott Carson breaks down the updated 2026 roadmap to generating a six-figure annual income by becoming the bank. We move past theory and into the actual math of how to replace your salary by leveraging other people's money (OPM) and targeting high-yield, small-balance mortgage notes. Whether you are looking to exit your 9-to-5 or scale a massive portfolio, this "rinse and repeat" game plan is your blueprint for success in the secondary market. Key Takeaways from the 2026 StrategyThe Math of Six-Figure Success: To hit roughly $60,000 in annual cash flow, the strategy focuses on acquiring 15 performing notes that net approximately $333 per month each after paying out your private investors. Leveraging Other People's Money (OPM): You don't need your own capital to scale; the plan involves borrowing funds at an 8% interest-only rate from IRA investors who are currently making 0%, creating a win-win for both parties. The Power of "Skin in the Game": When working with non-performing borrowers, a critical step is requiring them to bring at least four months of payments to the table as "skin" to earn a loan modification, which can generate an immediate $30,000 in upfront income across 15 deals. Building a Multi-Million Dollar Portfolio: By targeting assets with a fair market value of $50,000 or more and buying the debt at a 50% discount, a 15-deal portfolio represents $750,000 in property value while only requiring $375,000 in total funding. The Big Back-End Payday: The ultimate goal is to "season" these notes for 12 months until they are reperforming, allowing you to sell them at 80% of their value and pocket the massive equity spread—potentially pushing your total annual income well over $300,000. Success in note investing for 2026 isn't about working harder; it’s about following a disciplined plan, staying coachable, and consistently making offers. By focusing on the "note business" rather than the "foreclosure business," you can build a scalable, high-yield machine that works even while you sleep. Don't be a "secret agent"—get out there, share your goals, and start bidding on tapes to secure your financial future. Ready to dive deeper? Check out our upcoming online workshop or visit WeCloseNotes.com for more resources!Watch the Original VIDEO HERE!Book a Call With Scott HERE!Sign up for the next FREE One-Day Note Class HERE!Sign up for the WCN Membership HERE!Sign up for the next Note Buying For Dummies Workshop HERE!Love the show? Subscribe, rate, review, and share!Here’s How »Join the Note Closers Show community today:WeCloseNotes.comThe Note Closers Show FacebookThe Note Closers Show TwitterScott Carson LinkedInThe Note Closers Show YouTubeThe Note Closers Show VimeoThe Note Closers Show InstagramWe Close Notes PinterestGet Signed Up For the Next Note Buying Workshop HERE!
    Show More Show Less
    34 mins
No reviews yet