How To Invest in San Antonio Real Estate

Are you feeling stuck in the "9-to-5 grind" while trying to build your real estate empire? Do you find yourself buried in administrative tasks, cold calling, and lead follow-up instead of actually closing deals? In this high-energy episode of The Note Closers Show, I sit down with a true legend in the industry, Bob Lachance, the founder of REVA Global. Bob isn't just a "chief bottle washer"; he is the visionary behind the number one virtual assistant company for real estate investors.

We’ve all been there—hating the "job" but lacking the time or resources to take the next big leap. Today, we’re showing you how to "unhook" yourself from the daily burnout. Bob and I dive into the tactical nuggets of why a Virtual Assistant (VA) isn't just a luxury—it’s the engine that drives a scalable, automated business. If you’re ready to start getting more done while you’re busy doing your nine-to-five, this conversation is your roadmap to freedom.

• The Shift from Employee to Business Owner: Bob shares his journey and the philosophy of REVA Global, explaining why the biggest hurdle for most investors isn't finding deals, but finding the time to find deals. We discuss how to move from being a "doer" to a "leader."
• The ROI of a Real Estate VA: Why hiring a VA is a revenue-generating move, not an expense. We break down the specific tasks—from cold calling and SMS marketing to lead scrubbing—that a trained professional can handle to keep your pipeline full.
• Why Training and Vetting Matter: Not all VAs are created equal. Bob reveals the "REVA difference," explaining how they vet and train their assistants specifically for the real estate industry, so you don't have to spend weeks teaching them the basics of a wholesale or note deal.
• Overcoming the "Nine-to-Five" Barrier: For the "side-hustle" investors, we explore how to have a VA work for you while you are at your day job. Imagine coming home to a list of qualified leads that are ready for a contract, rather than a list of numbers you still need to call.
• The Power of Consistency in Marketing: We discuss why most investors fail because they market "in spurts." Bob explains how a VA ensures your marketing never stops, even when you're on vacation or dealing with life's unexpected curveballs.
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The difference between a hobby and a business is systems. As Bob and I discussed, you don't have to be a tech genius or a millionaire to start automating your life. By leveraging the power of a highly-trained virtual assistant, you can reclaim your time and focus on the "high-dollar" activities that actually move the needle. Don't let your "JOB" stand in the way of your "Joy Of Business" any longer.

Ready to automate your marketing? Go to revaglobal.com to book your strategy session today and mention The Note Closers Show. For more tips on building your note investing business, connect with me at talkwithscottcarson.com. Remember, go out and take some action—we'll see you at the top!

Watch the Original Video of this Episode HERE!

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Welcome back to another episode of The Note Closers Show! Today, we are diving into the "nuts and bolts" of a specific performing note deal right here in San Antonio, Texas. While many investors focus solely on non-performing debt, there is a massive opportunity in acquiring seasoned, performing paper at a discount to create immediate cash flow and long-term equity protection.

In this episode, we move past the theory and look at the actual math behind a six-figure note investment. We break down why a specific offer was made, how the property value supports the debt, and the importance of third-party servicing in keeping your portfolio "set and forget". Whether you are a seasoned investor or just starting to explore the secondary market, this breakdown of a Bexar County asset will show you how to find the "win-win" in every transaction.

• The Anatomy of a the Offer: We break down the calculation behind a my discounted offer on a performing note, which represents approximately 78 to 80 cents on the dollar for the asset.

• Evaluating Property Equity: An analysis of the relationship between the purchase price and the $215,000 underlying value, ensuring the investment is "sitting pretty" with a strong protective equity cushion.

• The Importance of Seasoning: Why we targeted this specific note for its payment history and "seasoning," making it a lower-risk profile for investors looking for consistent returns.

• Third-Party Servicing Benefits: A discussion on why utilizing professional third-party servicing is a non-negotiable part of our strategy to ensure compliance and ease of management.

Looking to put some "Lazy Assets" to work for yourself or into a deal like this? Book a call with me to find out what you need to get started.

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!

Have you ever taken a property back through foreclosure only to realize that a traditional sale isn't your fastest path to profit? In real estate investing, "Cash is King," but "Cash Flow is Queen." One of the most powerful tools in our arsenal is owner financing, yet many investors get it wrong by creating "crappy paper" that won't stand up to legal scrutiny or secondary market standards.

On this episode of The Note Closers Show, I’m joined by the top RMLO in Texas, Nirvana Roof. Nirvana is a specialist in helping investors transition from property owners to high-performing lenders. If you want to learn how to structure deals that are compliant, sellable, and secure, this conversation is your blueprint for success.

• The Vital Role of the RMLO: A Residential Mortgage Loan Originator (RMLO) is your first line of defense. In Texas, while laws are lender-friendly, they are strict regarding consumer protection. Using a professional to vet buyers ensures "Ability to Repay" (ATR) rules are met, protecting you from legal challenges and making your note significantly more attractive to secondary buyers.
• Avoiding "Guru" Pitfalls: Much bad advice suggests skipping the RMLO process to save money. Nirvana explains that shortcutting documentation leads to unsellable paper. When you create a note without proper third-party origination, you are gambling with your equity. Doing it right the first time is always cheaper than hiring an attorney to fix a non-compliant mess later.
• Structuring for Success: It’s about more than just the interest rate. To create "Gold Standard" paper, you must evaluate the down payment, seasoning, and the buyer's profile. Nirvana shares how stable income and "skin in the game" ensure a buyer is less likely to walk away, keeping your asset performing for years.
• Bridging the Loan Officer Gap: Traditional loan officers often don't understand the investor mindset. Nirvana bridges this gap by finding creative ways to fit "denials" with investor-sellers. This allows realtors and investors to work with buyers who can be nurtured toward conventional refinancing over a 12-to-24-month period.
• Compliance as a Value-Add: Showing a potential note buyer that your paper was originated by a licensed expert like Nirvana causes your note's value to skyrocket. Compliance isn't a hurdle; it’s a marketing tool that allows you to exit your position faster and at a lower discount because the paper trail is clean and transparent.

The goal isn't just to do a deal; it's to do a good deal. Owner financing is a phenomenal way to move REOs and create long-term wealth, but only if you respect the rules. Partnering with a professional like Nirvana Roof ensures your "banker" hat fits perfectly and your assets are protected. Don't build your portfolio on a foundation of poor documentation. Treat your note business like the professional enterprise it is.

Reach out to Nirvana to start creating high-quality, sellable paper today!

[email protected]

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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Have you ever felt like you’re playing a game where the rules are hidden, the goalposts are moving, and the referee is an algorithm you can’t talk to? Welcome to the world of modern lending. Many investors think a "good" FICO score is the golden ticket to funding, but the reality is much more complex. On this episode of The Note Closers Show, we are joined by the "Morpheus" of the credit world, Merrill Chandler from GetFundable.com. Merrill has spent over 30 years deconstructing the "Black Box" of banking to reveal that what we’ve been told about credit repair is often a lie. If you’re tired of hitting a ceiling with your capital and want to understand how the world’s largest banks actually "grade" your financial profile, this episode is your red pill moment.

• The Fallacy of Credit Repair vs. Fundability: Most people focus on credit repair—deleting negative items to boost a three-digit score. However, Merrill explains that banks don’t just look at your score; they look at "fundability." You can have an 800 score and still be denied because your "internal behavioral data" suggests you are a high-risk borrower. Fundability is about aligning your financial behavior with the specific algorithms (like FICO 10T and FICO 40) that banks use to automate approvals.
• Cracking the "Black Box" of Tier 1 Banks: Large institutions like Chase, Wells Fargo, and Bank of America use sophisticated Artificial Intelligence to evaluate borrowers. This AI analyzes up to 40 different data points—not just your payment history. These points include how often you use your credit, the types of accounts you hold, and even how your name and address appear across various databases. If your data is "noisy" or inconsistent, the algorithm flags you as a risk, regardless of your score.
• The Shift to Trended Data (FICO 10T): We are currently seeing a massive shift in the lending industry toward "Trended Data." While older models took a snapshot of your credit at a single moment, the new FICO 10T model looks back at 24 to 30 months of historical behavior. It tracks whether you are "transacting" (paying off balances monthly) or "revolving" (carrying debt). Banks are now prioritizing "transactors" and punishing those who carry balances, even if they make their payments on time.
• Optimizing Your "Financial Digital Silhouette": Every time you interact with a bank, you leave a digital footprint. To get the massive credit lines needed for real estate investing, you must curate this silhouette. This involves cleaning up your "LexusNexus" and "SageStream" reports, ensuring your identity is synchronized across all bureaus, and strategically managing your credit utilization. Merrill emphasizes that "optimizing" your profile is about speaking the bank’s language so the computer says "Yes" before a human even looks at the application.
• Strategic Mapping for 7-Figure Capacity: Building a million-dollar credit capacity isn't an overnight process; it's a strategic climb. Merrill discusses the importance of having a "Credit Bible"—a structured path that moves you from personal credit strength into high-limit business lines. By following a proven sequence of "borrower behaviors," investors can move from being "credit-seeking" (which scares banks) to "fundable" (which makes banks compete for your business).

The days of "faking it until you make it" with a high credit score are over. As Merrill shared today, the money is out there—trillions of dollars are waiting for borrowers who know how to present themselves correctly to the algorithms. Don't let a "noisy" profile or a misunderstanding of trended data stand between you and your next big deal. Head over to Merrill360.com to take the first step toward total financial transparency. It’s time to stop being a "borrower" and start being "fundable."

Watch the Original Video HERE!

Got Questions? Book a Call With Scott HERE!

Are you building a business on a solid foundation, or is your personal estate one lawsuit away from a total collapse? In this high-stakes episode, Scott Carson sits down with legendary entrepreneur and asset protection expert Aaron Young of Laughlin Associates. With over 50,000 clients and a 54-year legacy, Aaron reveals why simply filing for an LLC isn't enough to keep you safe. If you’re a real estate or note investor, you’re in a "professional space" where buying assets and raising capital makes you a target. Learn why "piercing the corporate veil" has become the most litigated issue in business law and, more importantly, how you can build a "corporate veil" so strong that even the most aggressive "ne'er-do-wellers" won’t stand a chance.

5 Key Topics Covered in This Episode:

• The Myth of the "Free" LLC: Many entrepreneurs believe that paying a state fee and getting an EIN means they are protected. Aaron explains that a true "corporate veil" is only created when you demonstrate to the law that your business is a separate entity, not just your "alter ego" or personal piggy bank.
• The Rising Tide of Litigation: Small business owners in the U.S. have a one-in-four chance of being sued in any given twelve-month period. With 93% of the world’s litigation occurring in the U.S., "frivolous" lawsuits cost small businesses over $100 billion annually as people search for a "pot of gold" in your success.
• Critical Corporate Formalities: To maintain separation, you must treat your company like a real business. This means having a formal operating agreement, issuing actual membership certificates, maintaining a stock ledger, and holding regular board meetings—even if you are the only employee.
• The Danger of Single-Member LLCs: While popular, single-member LLCs are often treated as "disregarded entities". Aaron warns that these provide significantly less protection than two-member LLCs or C-Corporations because all liability often flows directly back to the sole owner.
• Separation as a Deterrent: The goal of advanced asset protection is to make yourself look "undesirable" to contingency-fee lawyers. By using strategies like Nevada holding companies and resident agent firms, you create a "labyrinth" that forces predators to either walk away or risk their own capital at $700 an hour rather than suing you for free.

Conclusion:

"I am not the company, and the company is not me". This simple mantra is the difference between long-term wealth and sudden financial ruin. As Aaron Young shared through his harrowing story of a random, devastating car accident, we never plan for the "what ifs," but they happen regardless. Whether it’s a slip-and-fall on a job site or a disgruntled former employee, the world is full of risks. Don’t wait for an "event-driven" wake-up call after you've already been sued. Take action today to organize your estate, follow the law—even the "stupid" parts—and ensure that the wealth you work so hard to build stays exactly where it belongs: with you.

Get Signed Up For the Dallas Magnify Your Wealth Summit HERE! Use code: NOTES to Get $100 Off!

Watch the Original VIDEO HERE!

Got Questions? Book a Call With Scott HERE!

Connect with Scott on LinkedIn here!

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Welcome to the April 2026 Texas Foreclosure Update! If you’ve been waiting for a shift in the Lone Star State’s real estate market, that shift has officially arrived with a bang. As we approach "Super Tuesday" on April 7th, the data reveals a startling increase in foreclosure filings across nearly every county. Whether you are a seasoned note investor, a fix-and-flipper, or someone looking for your first distressed deal, the next 20 days are critical for your strategy. From a massive 19% month-over-month jump to surprising shifts in commercial assets, this episode breaks down exactly where the opportunities are—and where the market is cooling off.

5 Key Topics Covered in This Episode:

• The Massive 19% Statewide Surge: Texas has seen a "whopping" increase of 750 additional filings compared to last month, bringing the total to 4,723 foreclosures set for the first Tuesday of April. This represent a significant 19% jump that signals banks may finally be clearing out backlogged inventory.
• Commercial Foreclosures on the Rise: There are 581 commercial properties currently heading to auction, an increase of 34 over the previous month. While Central Texas remains steady, North, South, and West Texas have all seen significant increases, with West Texas commercial filings effectively doubling.
• Harris County Leads the Pack: Harris County (Houston) remains the epicenter of distress, reporting 845 residential foreclosures for April—a massive increase of 231 filings over last month. Other high-volume areas include Bexar County (443) and Dallas County (347), while Montgomery County showed a surprising drop to zero filings for this cycle.
• How the 21-Day Rule Impacts Your Strategy: In Texas, a lender must file a notice to foreclose at least 21 days prior to the first Tuesday of the month. This creates a high-pressure window for investors to contact borrowers for short sales or for borrowers to seek legal delays through bankruptcies or restraining orders.
• Using Foreclosure Data for More Than Just Flips: Beyond just buying at the courthouse steps, these lists are a goldmine for finding non-performing notes and identifying private money partners. By tracking who is foreclosing on LLCs, savvy investors can find individuals with capital who may be interested in lending on future deals.

The April 2026 data confirms that the "kick the can down the road" era may be coming to an end as banks grow increasingly impatient. With over 4,100 residential properties and nearly 600 commercial assets in play, the time to take action is now. Don’t just be a spectator to these market shifts; use the tools available at 4closure.info and leverage the "WECLOSENOTES" discount to get the data you need to dominate your local county. Remember, the best deals aren't found by accident—they are found through consistent research and bold action. We’ll see you at the top!

Grab Your Texas County Foreclosure List Here! Use Code WECLOSENOTES to Save $20!

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!

Stop Chasing Vendors and Start Closing Deals

Are you tired of spending more time vetting vendors than you do analyzing deals? In the fast-moving 2026 real estate market, your success is defined by the strength of your team and the speed of your due diligence. Whether you are closing your first note or managing a portfolio of hundreds, having a reliable "boots on the ground" network is the difference between a high-yield win and a costly mistake. In this episode, we are pulling back the curtain on a massive national database of experts—honed over 25 years in the industry—to help you streamline your workflow and keep your overhead low.

Key Topics & Takeaways

• Comprehensive Due Diligence Outsourcing: We are rolling out a "one-stop shop" for the essential tasks that often bog down investors. From pulling Broker Price Opinions (BPOs) and conducting thorough title work to skip tracing and lead generation, you can now leverage an established infrastructure to handle the heavy lifting across all 50 states.
• National Reach with Local Expertise: While Texas remains a powerhouse for investment, our network extends far beyond Austin. We discuss how to access localized experts—including mobile notaries, realtors, and title reps—who understand the specific nuances of their markets, ensuring your due diligence is accurate and culturally relevant to the asset’s location.
• Cost-Efficiency and Competitive Pricing: One of the biggest hurdles for individual investors is the high cost of retail due diligence services. We break down how our leveraged relationships allow us to provide these professional services at a fraction of the cost you might be paying elsewhere, directly impacting your bottom line and increasing your ROI on every deal.
• A Call for Quality Vendors: This isn't just for buyers. If you are a real estate professional—a realtor, BPO agent, or service provider—we are actively looking to expand our referral network. We discuss how quality vendors can integrate into our ecosystem to provide value to a growing community of active note and REO investors.
• Personalized Strategy Sessions: Moving into the final stretch of the year, we are offering direct consultations to help you compare your current due diligence costs. By booking a strategy call, you can identify exactly where you are overpaying and how to refine your systems to ensure you are ready to "kick ass" through the rest of 2026.

Your Path to the Top Starts with a Phone Call

The year is already moving at lightning speed, and there is no room for "lazy" systems in a competitive market. If you want to close more deals with less stress, it is time to tap into a proven network of professionals who are dedicated to your success. Don't let paperwork and vendor management hold you back from the lifestyle you've been building. Watch the full video to see how these new services can transform your business, then head over to book your strategy session. Let’s work together to make the rest of 2026 your most profitable chapter yet. We’ll 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!

What do you do when you’ve got a property for sale that simply won’t move? Maybe you’ve taken a new job, moved for family reasons, or are facing a financial shift, but you’re unwilling to slash your price by tens of thousands of dollars. If this sounds familiar, you aren’t alone—you are likely becoming an "accidental landlord". According to recent Zillow data, we are currently at a three-year high for homeowners who, unable to secure their desired sale price, have pivoted to renting their properties out instead. In this episode, we dive into the data behind this shift, the cities leading the charge, and the practical steps you need to take if you find yourself managing a rental you never planned for.

5 Key Topics Covered in This Episode

• The "Choice-Driven" Market Shift: Unlike the "shock-driven" market of late 2022 when mortgage rates first skyrocketed, the current trend is driven by choice. Homeowners today aren't necessarily in distress; rather, they are refusing to settle for less than what their "heart says their home is worth" and are using renting as a way to "buy time" until the sales market rebalances.

• The Texas and Florida Factor: A staggering 7 out of the top 10 metros for accidental landlords are in Texas or Florida. While Denver holds the #1 spot, Texas dominates the list with Houston (#2), Austin (#3), San Antonio (#4), and Dallas (#8) all seeing high percentages of for-sale listings re-entering the market as rentals.

• Property Type Disparity: Single-family detached homes are the most common property type for accidental landlords, making up 3.4% of rental listings. However, condos are seeing the fastest growth in this trend, as they are often less sensitive to interest rate fluctuations but more sensitive to shifts in urban buyer demand.

• Pitfalls of New Landlords: Managing a property isn't as simple as collecting a check. Scott Carson shares personal lessons on the dangers of property managers holding reserve funds that can put you behind on your mortgage, as well as the critical importance of running background checks and requiring ACH or cashier's checks to avoid the nightmare of bounced payments and lengthy evictions.

• Creative Exit Strategies: If you don't want to be a landlord, there are alternatives. The episode explores creative finance options like wrap-around mortgages, owner financing, or even short sales if you are upside down on the property. These strategies can often provide a better outcome than traditional renting for those who aren't built for property management.

Becoming an accidental landlord is often the result of "good things happening to good people" or simply a shifting economic tide. While it can be a headache, it is also an opportunity to build long-term wealth if handled correctly. The key is to take the emotion out of the game, look at the black-and-white numbers, and understand your local market competition. Whether you choose to hire a professional property manager or pivot to a creative finance exit, remember that you don't have to navigate this journey alone. Reach out to experts, use the right tools like Rentometer, and make sure your next move is a calculated one. Stop waiting for the market to change and start taking action to make the market work for you.

Watch the Original VIDEO HERE!

Here is the Zillow article HERE!

Book a Call With Scott HERE!

Introduction

In an era where traditional advertising costs are skyrocketing, and organic social media reach is plummeting to less than 2%, how does a small business owner or real estate investor stand out? The "old way"—dumping thousands of dollars into Google Ads or mindlessly boosting Facebook posts—is increasingly resulting in a big fat zero for ROI. Enter Logan Hassinger, a real estate investor turned marketing maven who has cracked the code on "omnipresence." By leveraging AI to create deep, answer-based content, Logan has transformed how local businesses dominate their niches without the "school of hard knocks" price tag.

5 Key Topics Covered in This Episode

• The Myth of Social Media Dominance: Many entrepreneurs focus 100% of their effort on platforms like Facebook, unaware that less than 2% of their followers actually see their content. True growth comes from diversifying where your brand lives.
• The Power of Answer-Based Content: Search engines like Google are "dying for content" that provides direct answers to specific consumer pain points. Instead of broad trends, focus on specific questions like "Why is my AC making a clicking noise?" to capture high-intent traffic.
• Implementing the "Content Octagon": Don't let your content die on one platform. Learn how to take a single topic and reformat it into blog posts, YouTube videos, infographics, podcasts, and news articles to ensure you are everywhere your customer is.
• AI-Driven Deep Research Workflow: Logan shares his exact tech stack—using tools like Google Gemini for deep research and Claude for high-quality writing—to produce 4,000-word blog posts that establish authority and build trust with "DIY" searchers.
• Building Domain Authority Through Mass Distribution: Learn how small-town news mentions and strategic backlinks can move a website from a "zero" blip on the radar to a high-authority site that Google trusts to show to searchers.

The secret sauce for 2026 isn't about having the biggest ad budget; it’s about having the most helpful content. By listening to the "dumb" questions your customers ask on the phone and turning those into detailed online resources, you build a trust factor that ads simply can't buy. Whether you are a real estate investor searching for motivated sellers or a trade professional looking for more calls, the path to the top of the search results is paved with consistency and a willingness to provide value before asking for a sale. Stop refreshing your empty analytics and start building your content octagon today. 

Connect with Logan HERE! or via email at [email protected]

Watch the Original Video HERE!

Book a Call With Scott HERE!

Are you tired of the "dark side" of real estate—dealing with toilets, tenants, and trash? In this episode, Scott Carson, "The Note Guy," pulls back the curtain on a real-world case study in Texarkana to show you how to become the bank, not the landlord. We dive deep into a performing note deal on a $65,000 property that delivers a staggering 16% return—or even an infinite return if you know how to structure the arbitrage. Whether you are looking to invest a small amount of your own capital or want to learn how to raise private money using Self-Directed IRAs, this episode provides the blueprint for building a cash flow machine without the headaches of traditional property management.

• The Texarkana Case Study: A breakdown of a 3-bedroom, 2-bath asset sold on owner-finance terms with a 13% interest rate.
• The Math of a 16% ROI: How buying a performing note at 80% of the Unpaid Principal Balance (UPB) creates immediate equity and high-yield cash flow.
• The "Infinite Return" Strategy: How to use private money at 8–10% to fund 85% of a deal while you keep the difference in interest and a "cha-ching" on the front end.
• The Three "Cha-Chings": Identifying profit centers on the front end (origination/funding difference), the middle (monthly cash flow), and the back end (payoff/refinance).
• The 6-Figure Blueprint: Why you only need approximately 20 "small" deals to generate over $100,000 in annual income.
• SDIRA Secrets: How to find the 6 to 9 private investors you need to raise $1,000,000 for your note portfolio.
• Foreclosure as a Safety Net: Understanding why Texas is a "friendly" state for note holders, allowing for a 90-day foreclosure process if a borrower stops paying.
• Asset Appreciation: How a $65,000 property can grow to $100,000 over 10 years, increasing your security and potential REO profit.
• 11 Exit Strategies: From "The Flip" to "The Flow," learn the various ways to monetize both performing and non-performing notes.
• Market Insights for 2026: Why note buying is the smartest strategy in a landscape where traditional REOs and wholesale deals no longer make sense.

Stop flipping burgers and start flipping notes. Real estate investing in 2026 is about being a "Lienlord" and leveraging the power of the bank. If you're ready to master the fundamentals and start your journey toward a 6-figure side hustle, don't miss our upcoming 3-day Virtual Note Buying Workshop. We offer a 100% money-back guarantee because we know this proven plan has helped thousands of investors succeed. Visit NoteBuyingForDummies.com to grab your seat at 50% off and start building your cash flow machine today!

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!