Find Non-Performing Notes (NPNs) in 2025: The Note Guy's Insider Secrets

Happy New Year, deal-seekers! Scott Carson, aka The Note Guy, started 2025 with an explosive Note Night in America episode, revealing his top strategies for finding lucrative non-performing notes (NPNs). Forget the spoon-fed deals; Scott's strategies empower you to proactively hunt for hidden gems and build a thriving note investing business. He's been doing it for over two decades and has the proof!

This isn't your grandma's note investing approach. Scott's not just sharing theories; he's divulging the precise methods he uses to find and secure high-yield NPNs. He stresses the importance of choosing a niche (residential vs. commercial, performing vs. non-performing), defining your "buy box" (criteria for ideal notes), and mastering the art of marketing.

Scott's Top Strategies for Unearthing NPNs:

• Tap into Foreclosure Lists: This is the bedrock of Scott’s strategy. Instead of relying solely on online marketplaces, he dives deep into county records and leverages specialized foreclosure list providers. He stresses that this often leads to underpriced gems that haven’t even hit the open market yet. Remember, the earlier you find out about a deal, the better your negotiating power!
• Direct Lender Outreach: Stop wasting time on generic online searches. Scott advocates for building relationships directly with lenders. Using LinkedIn, RocketReach (to uncover contact emails), and his own proactive outreach, he consistently secures exclusive deals. This is about building relationships, not just sending cold emails.
• Leverage LinkedIn and Referrals: Scott uses LinkedIn like a well-oiled machine. His profile isn't just a digital business card; it's a finely tuned lead-generating engine. He actively shares content that showcases his expertise, attracts attention, and builds his network. He then uses these connections for referrals, resulting in a pipeline of promising deals.
• Utilize Powerful Online Tools: Scott isn't shy about using technology to his advantage. He highlights the power of CredIQ (for detailed commercial property data) and CREXi (to uncover owner-financed deals). These tools are invaluable for maximizing due diligence and securing a competitive edge.
• Develop a Marketing Strategy: This isn't a one-time effort. It’s a constant process that involves engaging with various platforms and refining your approach. This might include regular email blasts to your network, attending relevant industry events, and participating in online forums. Remember, consistent marketing is key to success!

Humor and Practical Advice:

Scott's insights are practical and sprinkled with humor—especially when he shares tales of his own successes, mistakes, and some of his unique strategies, emphasizing the value of persistence and the importance of working smart rather than just working hard.

His humorous take on lowball offers serves as a reminder that respectful relationship-building can lead to more lucrative results than aggressive tactics. He warns against the pitfalls of relying on generic online platforms and stresses the need to define your target market and focus on specific niches.

Scott’s message is clear: Finding the best NPNs isn't about luck; it's about strategy, persistence, and leveraging the right tools and techniques. Don't waste your time chasing every deal that comes along. Use his tips to narrow your search, focus your efforts, and start building the lucrative note investing business you’ve always dreamed of.

Watch the original VIDEO HERE!

Book a call with SCOTT HERE!

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In today's digital age, a strong online presence is crucial for real estate investors. But with so many social media platforms vying for your attention, where should you focus your efforts? Today's podcast features Anthony Jones, a LinkedIn expert with over 20 years of experience, who shares his insights on leveraging LinkedIn for real estate success. He's not just talking about posting random updates; he's sharing strategies for building a powerful personal brand and generating consistent deal flow.

Anthony's journey started unexpectedly in the non-profit world, where he discovered the power of LinkedIn for fundraising. But he quickly realized its potential for business growth, transforming it into a primary lead generation tool. He jokingly refers to his initial LinkedIn experience as "learning by doing," a testament to the power of experimentation and the iterative process of building a successful online presence.

Anthony's advice focuses on using LinkedIn for relationship-building, brand building, and consistent engagement, rather than just for cold outreach or sales pitches.

Here are five key takeaways from his insights:

• Professionalism Trumps Gimmicks: Forget the flashy videos and dance moves. On LinkedIn, a professional approach resonates best. Focus on providing valuable content and engaging authentically with your network.
• Master Short-Form Video: Short videos are hugely effective for gaining visibility on LinkedIn. Using AI tools can streamline the process, making content creation easier and more efficient. This also helps to cut through the noise of the everyday feed.
• Go Live Regularly: LinkedIn Live streams are a powerful tool for building relationships and generating leads. Use a co-host to keep things flowing smoothly, and don't forget to repurpose the content into shorter video clips for your feed.
• Leverage LinkedIn Newsletters: Newsletters can significantly expand your reach. Make sure your first newsletter is compelling and well-written, maximizing LinkedIn's automatic promotion to your contacts.
• Optimize Your Profile: Craft a compelling “About” section that focuses on your ideal client's pain points and includes a clear call to action. Also, make sure your profile picture and header image are up-to-date and visually appealing.

Anthony's expertise extends beyond simply using LinkedIn; he provides coaching and resources for those seeking to build their personal brands, create content, and leverage LinkedIn effectively. He recently launched the Brandwagon Club, an online community dedicated to helping real estate professionals master LinkedIn. Remember, building a strong personal brand takes time and effort, but the rewards are worth it. It's not just about closing deals; it's about building long-term relationships and establishing yourself as a trusted expert in your field.

You can connect with Anthony Jones on LinkedIn and through his Brandwagon Club. Remember, building a successful real estate business involves more than just finding deals. It also requires strategic marketing, consistent engagement, and a commitment to building your personal brand. Until next time, happy investing!

Watch the original VIDEO HERE!

Connect with Anthony HERE!

Book a call with SCOTT HERE!

Love the show? Subscribe, rate, review, and share!

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Wholesaling notes can be a lucrative strategy for real estate investors, offering a path to quick profits and building valuable experience. But, like any business venture, it requires knowledge, strategy, and a dash of good old-fashioned hustle. Today's podcast dives into the thirteen critical questions you should always ask yourself before diving into a note wholesaling deal. Skipping these steps could mean losing time, money and potentially your sanity (which, as any seasoned entrepreneur knows, is a precious resource).

Think of it this way: you wouldn't walk into a high-stakes poker game without knowing the rules, would you? Similarly, approaching note wholesaling without a solid understanding of the deal can lead to costly mistakes. To avoid that, let’s go through the thirteen questions that you should always ask yourself before buying a note:

• Know Your Pricing: Before you even consider sending out offers, you should know your pricing strategy and ideal profit margins. A buyer who can’t confidently state a fair market price is setting themselves up for failure. Don't be that guy (or gal).
• Determine Who's in Control: Who really controls the deal? If the note information comes from a friend-of-a-friend, you likely aren't the one in control. A deal where you are directly involved with the seller gives you the most control and reduces potential headaches.
• Understand the Deal: Make sure the deal itself is actually profitable. You should confidently understand the asset's value, potential cash flow, and potential profit margins in a range of scenarios (e.g. successful re-performance versus foreclosure). A deal that isn’t profitable for you isn't a deal at all.
• Determine Who Are The Best Buyers: Knowing your target buyers ensures effective marketing efforts. Understanding their needs will help you find the perfect buyer for your notes. Are you going after passive investors or aggressive flippers? This will define your marketing strategy and timing.
• Timing is Everything: Negotiating a deal requires understanding timelines. Consider funding deadlines, due diligence periods, and seller motivations when determining whether the deal is right for you.

The remaining eight questions cover equally important aspects: Are you direct to the seller or working with another broker? What is the overall profit margin? What are the pros and cons? Do you have a buyer's list (and are you using it properly)? How are you marketing the deal? Where are your buyers located? And, finally, would you actually buy the deal and what's stopping you? If you can't answer this last question, move on. Your time is precious.

Remember, note wholesaling is a numbers game—but the numbers need to be accurate. By asking these 13 key questions, you'll significantly increase your chances of finding profitable deals and avoiding costly mistakes. It's a process that requires constant education, attention to detail, and the willingness to learn from both your successes and your mistakes. Happy investing!

Watch the original VIDEO HERE!

Book a call with SCOTT HERE!

Sign up for the next Note Buying Workshop HERE!

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The year's winding down faster than a foreclosure auction in Texas! We're knee-deep in holiday cheer (and maybe a few too many pumpkin spice lattes), but let's not let the holiday spirit distract us from setting ourselves up for a wildly successful 2025. This week, I'm sharing my end-of-year checklist to make sure you're not caught napping when the new year rolls around.

Let’s be honest, sometimes planning for the future feels about as fun as filing your taxes (and about as relaxing as a root canal). But if you take a little time now to prepare, you'll thank yourself later when your business is thriving. Think of it as pre-gaming for your next financial victory — you wouldn't show up to a major real estate deal unprepared, would you?

Here’s my action plan – a mix of strategic moves and tactical tweaks to keep your business running smoothly. I’ve broken it down into ten tasks that should be done, no questions asked:

• Max Out Your IRA: Think of this as putting some serious money in the bank before January 1st. Yes, I know, taxes. But this helps you hit those investment goals a little sooner.

• Network, Network, Network: Yes, it's the same tired advice, but it still works. Connect with asset managers, IRA investors, and fellow real estate peeps before they hit the ground running in the new year. Don’t let holiday cookies and eggnog keep you from closing those deals.

• Update Your Online Presence: This means your website, your LinkedIn profile, basically everything that represents you in the digital world. You're basically upgrading your online storefront; let’s make sure it’s optimized and visually appealing to attract potential clients.

• Start Planning for OPM (Other People's Money): You have a head-start now to start securing funding for your next ventures. That means mapping out potential funding sources, whether that's through IRA investors or other avenues.

• Contact Asset Managers: Start reaching out to asset managers now. They often unload assets at year's end, providing you with incredible opportunities.

The rest of my checklist involves reviewing past year's goals, updating your marketing calendar, refining your pitch decks, reviewing expenses, and, finally, celebrating your wins.

This isn’t just about hitting numbers; it's about building a solid foundation for continued growth. Just like building a strong real estate portfolio requires planning, patience, and the right approach, building a thriving business necessitates consistent review and optimization.

Remember, this isn't some theoretical exercise. We’re talking about real-world strategies. Taking these steps now will save you time, stress, and maybe even a few headaches in the new year.

The new year is just around the corner; take control of your success by putting in the work today. I can't wait to see what you all accomplish in the coming year. Until next time, happy investing!

Watch the original VIDEO HERE!

Book a call with SCOTT HERE!

Love the show? Subscribe, rate, review, and share!

• Here’s How »

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Hey note-heads! Get ready for a wild ride through the world of distressed assets! In this LIVE recording of Note Night in America, we're tackling a massive list – a whopping 278 notes! Get your coffee brewed and your spreadsheets ready, because this isn't your grandma's note investing tutorial.

This isn’t just another podcast; it's a masterclass in uncovering hidden gems (and avoiding potential money pits). We're diving headfirst into a mountain of data, sharing our secret sauce for sorting the good notes from the not-so-good (and why you should avoid Chicago real estate at all costs).

Key takeaways from this episode:

Florida Fun and Foreclosure Frenzy: We're focusing heavily on Florida's note market, which is as vibrant and diverse as its landscape (and potentially just as unpredictable!). We'll decode the nuances of reverse mortgages – think dollar payments, crazy equity situations, and the sometimes-bizarre world of dealing with heirs (no Ouija boards required, we promise!).

Spreadsheet Savvy: Prepare for a spreadsheet showdown! We're pulling back the curtain on our analysis process, revealing the formulas and techniques we use to identify the most promising deals. We discuss how to interpret key data points like LTV, DTI, and other crucial metrics, which will help you make more informed investment decisions.

Location, Location, Location (and maybe, avoiding Illinois!): We’re not afraid to share our opinions on the best (and worst!) states for note investing. Some states are high-yield goldmines, while others are complete wastelands. Learn where to focus your energies and which ones to avoid at all costs. (Seriously, avoid Chicago).

Reverse Mortgage Mysteries: We unveil the secrets of reverse mortgages. We break down how to identify these complex deals, assess the risks, and determine if they're the right fit for your investment strategy.

Live Q&A and Community Connection: This was a live podcast, so we're answering questions from our community of note investors in real-time. Tune in to hear our insights and advice on various real-estate investing topics, plus hear some funny stories and off-the-cuff humor.

Beyond the Numbers:

It’s more than just data. This podcast episode is as much about strategy and building an effective investment plan as it is about spreadsheets. We delve into the importance of setting realistic investment goals, understanding the diverse motivations and strategies of fellow investors, and choosing notes that best align with your personal financial objectives.

More to Explore:

Want a deeper dive into our analysis? This episode also includes access to the 278-note spreadsheet that we analyze in the podcast. Join our WCN Membership community for exclusive access to resources, tools, and ongoing support! HTTP://NoteUmbrella.com

This podcast is packed with real-world experiences, practical advice, and enough humor to keep you engaged from start to finish. It’s a must-listen for any note investor looking to sharpen their skills and uncover more profitable opportunities. Let us know your thoughts in the comments!

Don't forget to subscribe and hit that notification bell for more Note Money mayhem!

Watch the Original VIDEO HERE!

Book a Call With SCOTT HERE!

Love the show? Subscribe, rate, review, and share!

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Join Note Night in America community today:

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Unlock Your Real Estate Investing Potential with Damon Ramey & REI Blackbook

http://snip.ly/REIBLACKBOOK

Join Scott Carson on The NoteCloser Show as he welcomes Damon Ramey, a real estate investment expert and the mastermind behind REI Blackbook. This insightful episode delves deep into the strategies and tools that can transform your real estate investing journey. Damon, a passionate advocate for simplifying financial freedom, shares his extensive experience and wisdom, offering actionable advice for both seasoned investors and those just starting out.

This episode isn't just about software; it's about building a robust, efficient system to support your goals. Damon reveals a treasure map of systems, emphasizing that a well-oiled system is the engine for success. He dismantles the common pitfalls of disjointed tools and manual processes, highlighting the power of integration and automation.

Key Takeaways:

-Clarify Your Vision: Define your "why" and let that purpose fuel your real estate endeavors. Damon emphasizes that financial freedom is achieved through clarity and purpose-driven action. He shares a powerful cancellation letter illustrating how his clients achieve this freedom.

-Automate Lead Tracking and Follow-up: Avoid relying on your cell phone for marketing; utilize a system to manage leads efficiently, track sources, and automate follow-up sequences. This allows you to see where your marketing investments are yielding the best return.

-Analyze Deals Quickly: Utilize the power of REI Blackbook’s intuitive deal analysis tools to quickly assess the viability of potential investments. This saves valuable time and ensures informed decision-making.

-Implement a Smart System: Avoid disjointed tools and workflows. REI Blackbook offers an integrated platform to manage leads, contacts, communications, and deal analysis, creating a streamlined and efficient workflow.

-Embrace the Power of Follow-Up: Consistent follow-up is key to closing deals. Damon shares strategies for effective communication and persistent follow-up, emphasizing that 80% of sales happen after the fifth contact.

-Leverage the REI Blackbook Platform: REI Blackbook provides the necessary tools for lead generation, lead tracking, deal analysis, and communication management, allowing you to manage your entire real estate investing system within one platform.

This episode concludes with a special offer: For a limited time, you can access REI Blackbook for just $1 and receive a 14-day trial, plus a free vision-building workshop.

SIGN UP FOR REI BLACKBOOK at http://snip.ly/REIBLACKBOOK

Ready to elevate your real estate investing game? Click the link below to learn more and take advantage of this incredible offer! Don't miss out on this opportunity to transform your business and start down the path to achieving financial freedom.

Watch the original VIDEO HERE!

Book a call with SCOTT at HTTP://TalkWithScottCarson.com

About Damon Remy:

As the brains and heart behind REI BlackBook, Damon's total focus is on doing it better, dreaming it bigger, building for the future, listening to the REI BlackBook community needs, and ensuring the BlackBook team understands the company mission and purpose so their hearts, as well as their minds, are engaged every day. Damon is an exuberant father to his 4 kids Dallas, Kenna, Mya and Dax (which includes coaching them in basketball in his spare time,) and one heck of a singer (who landed his wife, Jackie, with a karaoke song,) Damon believes that helping others succeed is the best way to spend your time.

Love the show? Subscribe, rate, review, and share!

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Unlock the 3 Payday System: Creative Real Estate Financing Secrets

Are you ready to discover the secret behind closing real estate deals without relying on traditional banks? What if I told you there's a proven system that lets you secure deals and maximize profits, even in today's unpredictable market? It's not what you think, and it's definitely not what the media is telling you. This system has helped investors achieve jaw-dropping financial gains, and it's something you wouldn't expect. Want to find out more? Stay tuned for the unexpected reveal.

In this episode, you will be able to:

-Uncover the hidden potential of foreclosure investments for real estate success.

-Learn how to utilize subject-to-deals to create multiple paydays and win-win scenarios.

-Harness the benefits of owner financing to revolutionize your real estate game.

-Master the art of real estate success without relying on traditional banks.

-Learn the strategies for creating three paydays in your real estate investing journey.

-Overcome the challenges that come with real estate investment and emerge victorious.

Sign up for Chris's next BootCamp at http://snip.ly/WICKEDSMART

Watch the original VIDEO HERE!

Book a call with Scott HERE!

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Strategies to Target Regional Banks with Distressed Commercial Debt

If you're feeling overwhelmed by the sheer volume of distressed commercial real estate notes and unsure where to start, then you are not alone! With so many banks holding underwater assets and a tsunami of commercial debt on the horizon, it's easy to feel lost in the sea of potential opportunities. But what if I told you there's a strategic approach to identifying and accessing these high-potential investment opportunities? Let's dive into the proven methods for finding distressed commercial real estate notes and unlocking your path to lucrative deals.

Here is the link to the report: https://snip.ly/BanksCRE

In this episode, you will be able to:

• Discover the untapped potential of buying commercial real estate notes.

• Uncover high-potential distressed commercial real estate investment opportunities.

• Learn effective strategies for acquiring bank-owned assets in the commercial real estate market.

• Identify the banks with distressed assets and gain an edge in the investment game.

• Understand the foreclosure process for commercial properties and how it can work to your advantage.

Watch the original VIDEO HERE!

Book a call with Scott HERE!

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• Here’s How »

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If you're feeling frustrated by the overwhelming flood of misinformation about credit management and you're tired of making costly mistakes, then you are not alone! You may have encountered flashy promises of quick credit fixes or easy business funding, only to end up more confused and disheartened. It's time to cut through the noise and get the real, actionable strategies that will transform your credit game and set you up for lasting success. Let's debunk the myths and chart a clear path to improved credit management and informed credit decisions. It's time to take control and level up your credit game!

In this episode, you will be able to:

• Mastering Strategies to Improve Personal Credit Score: Learn how to take control of your credit score and pave the way for financial opportunities.
• Understanding the Impact of Business Credit on Fundability: Discover the crucial link between your business's credit and its ability to secure funding.
• Avoiding Common Credit Card Debt Mistakes: Uncover the pitfalls to steer clear of for a healthier financial future.
• Embracing the Benefits of Strategic Debt Management: Explore how smart debt management can positively impact your financial well-being.
• Building Strong Lender Relationships for Business Funding: Unlock the keys to fostering strong connections with lenders for your business's growth and success.

Sign up for the two-day workshop HERE!

Watch the original VIDEO HERE!

Book a call with Scott HERE!

Love the show? Subscribe, rate, review, and share!

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Join Note Night in America community today:

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WHY FIVE MINUTES A DAY TO PLANT SEEDS WILL HELP EXPONENTIALLY GROW YOUR REAL ESTATE INVESTING BUSINESS

Johnny Appleseed was a revolutionary figure who changed the landscape of the Midwest by planting apple trees all across the country and helping settlers secure their homesteads. Most people don't know of this historical figure and how his daily activities and can-do attitude helped thousands. What can we learn from Johnny Appleseed that applies to your real estate investing in the 21st century. Scott breaks down how planting your "seeds" daily can dramatically change the outcome of your future.

In this episode, you will learn:

-Why five minutes a day of marketing your business is all you need to start out doing.

-Drafting ideas for content from news, deals, case studies, and your focus will help you attract your niche audience.

-How creating a one-minute video on a topic helps you create eight pieces of content.

-The demographics on why short from videos on YouTube and TikTok can help you target your perfect investor profile.

-What are the best days and times to post to YouTube and TikTok.

Watch the original video HERE!

Book a call with Scott HERE!

Love the show? Subscribe, rate, review, and share!

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Join Note Night in America community today:

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