The Diversify Show with Eric Lindsey

High-Income Professional? Scott Carson Explains How Note Investing Creates Passive Returns


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If you’re a high-income W-2 professional or business owner wanting real estate exposure without leaving your career, this episode is for you.

Scott Carson explains how note investing lets you act as the bank — earning passive returns without tenants, rehabs, or daily management.

💼 How to Invest in Real Estate While Working a Demanding Career

Most professionals don’t lack income — they lack time.

Buying distressed mortgage debt at 50–60 cents on the dollar allows you to:

• Be the lender, not the landlord • Control debt without managing property • Turn non-performing notes into performing assets • Generate strong returns with minimal operations

After 12 months of payments, notes can sell at 80–90 cents on the dollar — often without owning the property.

🎯 Rules for Balancing Business and Life

There is no perfect balance. There are seasons.

• Schedule family first • Fit business around life • Focus on one niche • Communicate with your partner • Protect rest intentionally

🧭 Advice for Part-Time Investors

Active Investors: • Learn financing • Build capital relationships • Master one niche • Find a mentor

Passive Investors: • Understand the deal structure • Check the operator’s track record • Know return splits and exit timelines (12–36 months)

Balancing Career, Life & Real Estate:

• Accept slow early progress • Use evenings/weekends wisely • Protect your primary income • Use W-2 or business income as leverage

If Time or Money Is Limited:

Start small: • Self-directed IRA • Partial note purchases • Passive fund positions • Local investor groups

Servicers and attorneys handle most of the work.

Why Passive Investing Works:

• Earn from discounted debt • Benefit from restructured payments • Exit once stable • Share in backend upside

This episode is for professionals, business owners, beginners, and passive partners.

Pursue financial security, not job security.

Click On This Link For Our Free E-Book "An Introduction Into Apartment Syndication: https://moonlightcre.com/ebook_download/

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The Diversify Show with Eric LindseyBy Eric Lindsey