Can artificial intelligence really replace human loan servicers when a mortgage goes into default, or is handing your note portfolio over to an algorithm a recipe for disaster? Welcome back to The Note Closers Show!

In this episode, Scott Carson evaluates the state of 100% AI-driven loan servicing following a 30-minute demonstration with a leading fintech servicing provider. While AI excels at streamlining automated tasks for performing paper—such as generating monthly billing statements, updating payment methods, sending automated text pings, and onboarding loan documents—it falls short when managing non-performing mortgages.

Scott breaks down why default workouts require human empathy, flexible negotiation, and nuanced communication that algorithms simply cannot replicate. From handling hostile borrower interactions to structuring custom workout plans, cash-for-keys, and legal escalations across varied state foreclosure timelines, Scott details the limitations of full AI servicing and highlights where predictive analytics will transform the debt industry in the near future.

• The Servicing Demo Breakdown: Reviewing a full walkthrough of a 100% AI-powered loan servicing platform and assessing its actual capabilities.
• Performing vs. Non-Performing Suitability: Why AI automation works well for performing debt, originations, and hard money loans, but struggles with default management.
• State Licensing & Compliance: Navigating multi-state licensing requirements, bankruptcy protections, and legal compliance when utilizing automated collection systems.
• The Empathy & Flexibility Deficit: Why automated bots fail during complex loss mitigation, custom payment adjustments, and emotional borrower conversations.
• Hidden Costs of Low-Cost Servicing: Analyzing how saving $12 to $30 per month on automated fees can lead to extended delays, uncollected debt, and legal missteps.
• Document Scrubbing & Due Diligence: Leveraging AI for collateral file reviews, onboarding newly originated loans, and checking tax or insurance records.
• Predictive Servicing Futures: How machine learning algorithms will soon track economic shifts, employment layoffs, and seasonal spending to forecast borrower defaults.
• Human-in-the-Loop Management: Why human asset managers remain essential for non-performing workouts, legal coordination, and foreclosure executions.

AI is a powerful tool for analyzing files and speeding up due diligence, but human oversight remains critical when managing distressed borrowers! Protect your portfolio, understand system limits, and keep your workouts on track.

Have questions about selecting loan servicers, managing non-performing notes, or implementing AI tools into your deal workflow? Schedule a strategy session with Scott at talkwithscottcarson.com ! Register for an upcoming live masterclass at notebuyingfordummies.com or wholesalingnotes.com. Be sure to subscribe, leave a 5-star review, and share this episode with fellow investors!

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Is it possible to secure double-digit yields on real estate without touching a paintbrush or taking on long-term market risk? Welcome back to The Note Closers Show Podcast!

In today's episode, Scott Carson breaks down a real-world case study on a short-term, performing hard money loan in Mesquite, Texas. Sourced from a trusted 20+ year institutional lending partner, this deal illustrates how private note investors can deploy idle capital into low-risk, asset-backed debt and generate annualized returns of 11% to 12% in six months or less. Scott walks step-by-step through the loan underwriting, property valuation metrics, borrower exit strategy, and cash flow mechanics.

Scott demonstrates how buying performing short-term paper provides built-in downside protection. Positioned in a fast-foreclosing state at a 49% loan-to-value relative to the pending sale price, this transaction shows how smart note structure protects your principal while delivering steady passive cash flow.

Key Topics Covered:

• Short-Term Note Investing Framework: Advantages of funding 6- to 12-month fix-and-flip debt versus committing to long-term paper.
• Mesquite, TX Market Profile: Submarket dynamics on the northeast side of DFW Loop 635, local affordability, and buyer demand.
• Deal Acquisition & Capital Structure: Analysis of a $156,800 hard money loan originated against a $125,000 April 2026 acquisition price.
• Valuation Spread: Tracking property progress from an initial $190,000 as-is value and $320,000 ARV to a pending contract at $359,000.
• Yield & Cash Flow Math: Breaking down the 13% interest-only monthly payments ($1,699/mo), net cash flow, and 1% sourcing fee impacts.
• Annualized Return Analysis: Calculating a 5.5% absolute cash return over 6 months (11% annualized) or an 18,820 dollar net cash yield over 12 months (12% ROI).
• Downside Safeguards & Foreclosure Mechanics: Leveraging Texas' non-judicial foreclosure timeline and conservative 49% LTV protection.
• Due Diligence Checklist: Reviewing collateral files, title commitments, physical property condition, and listing statuses.
• Upcoming Workshops: Registration details for the 2-Day Virtual Note Buying Workshop (Sept 19–20, 2026) and Wholesaling Notes 101 Masterclass (Sept 26, 2026).

Put your idle capital to work and start generating double-digit yields on asset-backed real estate debt!

Have questions about reviewing performing loan tapes, analyzing fix-and-flip notes, or placing private capital? Book a strategy call directly with Scott at talkwithscottcarson.com or email [email protected]! Register for upcoming virtual masterclasses at notebuyingfordummies.com or wholesalingnotes.com. Remember to subscribe, leave a 5-star review, and share this episode with fellow investors! 

Watch the Original VIDEO HERE!

Book a Call With Scott HERE!

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Is your private capital sitting on the sidelines making sub-par yields while inflation eats away at your cash balance? Welcome back to The Note Closers Show Podcast as we celebrate a massive milestone—9 years on the air!

In today's episode, Scott Carson returns from a three-week trip through Minnesota and Wisconsin to break down a fresh tape of 55 performing hard money loans available for acquisition. Direct from a trusted Texas and Charlotte-based hard money lender looking to recycle capital for new originations, this portfolio offers short-term, double-digit yield opportunities for private note buyers. Scott walks step-by-step through the underlying asset classes, geographical distributions across the East Coast and Texas, and the operational advantages of buying pre-serviced, short-term debt.

Scott also discusses the velocity of capital, explaining why leaving funds idle for months erodes net annualized returns and how short-term bridge notes provide a stable cash-flow vehicle while you queue up larger acquisitions.

Key Topics Covered:

• 9th Anniversary Milestone: Celebrating nine full years of broadcasting The Note Closers Show Podcast and empowering thousands of note investors nationwide.
• Tape Breakdown & Pricing Parameters: Evaluating 55 short-term performing hard money loans with principal balances ranging from $53,000 up to $1,000,000.
• Target Yields & Term Structure: Unpacking annualized interest rates between 10% and 15% with typical loan maturities running 6 to 18 months.
• Geographic Asset Distribution: Reviewing loan footprints across Alabama, Arkansas, Florida, Georgia, Indiana, Iowa, Louisiana, Michigan, Missouri, North Carolina, New Jersey, New York, Ohio, Oklahoma, Pennsylvania, South Carolina, and Texas.
• Lender Strategy & Capital Recycling: Why origination lenders sell performing paper at a 1-point funding fee to replenish loan capital for fresh origination demand.
• Built-in Risk Mitigation & Servicing: The operational benefits of utilizing third-party loan servicers and leveraging hard money lenders’ built-in buyer networks in the event of default.
• Velocity of Capital Mechanics: Calculating real-world net ROI and avoiding drag on uninvested private reserves.
• Student Success Stories & Market Pipeline: Highlighting recent arbitrage deals, non-performing reverse mortgage acquisitions, and an upcoming pipeline of nearly 700 HUD/non-performing reverse mortgages.
• Upcoming Educational Masterclasses: Overview of the Virtual Note Buying Workshop (Sept 19–20, 2026) and the live Wholesaling Notes 101 Masterclass (Sept 26, 2026).

Stop letting idle capital drag down your portfolio's performance! Take control of your investment velocity, evaluate these short-term performing notes, and keep your dollars generating consistent returns.

Ready to review the tape, partner on deals, or get your capital working? Schedule a strategy call directly with Scott at talkwithscottcarson.com or reach out via email at [email protected]! To register for the upcoming Virtual Note Buying Workshop and receive access to the live Wholesaling Notes 101 Masterclass, head over to notebuyingfordummies.com or wholesalingnotes.com. Be sure to subscribe, leave a 5-star review, and share this episode with fellow investors!

Watch the Original VIDEO HERE!

Book a Call With Scott HERE!

Sign up for the next FREE One-Day Note Class HERE!

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What do the numbers really tell us about the Texas real estate market heading into fall? Welcome back to the latest edition of the Texas Foreclosure Update!

In this episode, real estate investor Scott Carson returns from his trip to Minnesota and Wisconsin to break down the complete September 2026 Texas foreclosure numbers. Total filings held steady across the state with just a slight 12-filing increase from August, bringing the total to 4,227 foreclosure filings across Texas for September's Super Tuesday auction. Behind those high-level numbers lie key regional shifts, county-by-county spikes, and emerging inventory trends that note investors, private lenders, and distressed property buyers need to know.

Whether you are looking to source pre-foreclosures, target non-performing mortgage paper, or uncover commercial real estate deals, Scott delivers the exact metrics and insights you need to find high-upside opportunities before the auction block.

Key Topics Covered:

• Statewide Macro Breakdown: Analyzing 4,227 total foreclosure filings across Texas for September 2026, comparing month-over-month performance to August's 4,215 total.
• Residential vs. Commercial Inventory: Unpacking 3,768 residential foreclosure filings alongside 447 commercial filings across the state.
• Regional Commercial Trends: Examining commercial shifts—South Texas jumping by 36 filings to 81 total, while Central Texas dropped by 16 to 118, East Texas dipped to 104, North Texas fell by 19, and West Texas fell to 18.
• County-by-County Deep Dive: Breaking down filing counts in major markets including Harris (672), Bexar (417), Dallas (337), Tarrant (264), Travis (123), Fort Bend (137), Hidalgo (170), El Paso (96), Williamson (74), and Collin (135).
• Notable Spikes & Drops: Highlighting Hidalgo County’s major spike of 57 filings, Harris County’s 21-filing increase, and notable drops in Bell (-36) and Williamson (-34) counties.
• Sourcing Distressed Paper: How to leverage tools like Roddy’s Foreclosure Listing Service (foreclosure.info) to track self-directed IRA lenders, locate bank-owned debt, and uncover pre-foreclosure opportunities.
• Upcoming Virtual Masterclasses: Details on the live Wholesaling Notes 101 Masterclass scheduled for September 26, 2026, and the 2-Day Virtual Note Buying Workshop on September 19–20, 2026.

Understanding the numbers is the first step to finding profitable real estate and note deals in Texas! Take these insights, apply them to your deal sourcing, and stay ahead of the curve.

Got questions about evaluating Texas real estate or sourcing non-performing paper? Book a call directly with Scott at talkwithscottcarson.com or email him at [email protected]! To get $20 off your monthly foreclosure list, head over to foreclosure.info and use the promo code weclosenotes. For details on upcoming live training, visit wholesalingnotes.com and notebuyingfordummies.com! Don't forget to subscribe, leave a review, and share this update! 

Watch the Original Video of this Episode HERE!

Book a Call With Scott HERE!

Sign up for the next FREE One-Day Note Class HERE!

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Is a luxury beachfront property with massive rental income always a slam-dunk deal for a note investor? Welcome back to another episode of 50 Note Deals in 50 Days!

In today's episode, real estate investor Scott Carson takes you down to sunny Galveston, Texas, to analyze a high-end, waterfront short-term rental (STR) facing foreclosure. Featured on a popular wedding show on Netflix and operating as a premier event venue and Airbnb, this three-story coastal property boasts incredible ocean views and high-ticket revenue potential. However, behind the beautiful listing photos lies a 20-month default, a listing price disconnect, and a hedge fund seller eager to offload the paper off their balance sheet.

Scott walks step-by-step through the numbers, comparing property values against the debt balance, evaluating foreclosure mechanics in Texas, and revealing why lenders often prefer selling the note over acquiring an REO asset on the water.

• Property Overview & High-End Asset Profiling: Examining a three-story, waterfront short-term rental and luxury wedding venue featured on Netflix.
• The Default Timeline: Unpacking a 20-month payment default and analyzing why the borrower listed the home for sale during the foreclosure process.
• Sourcing Hedge Fund Tapes: How this asset was identified out of an 86-note tape direct from a institutional seller (and 1 of only 5 Texas assets in the pool).
• Valuation vs. Debt Exposure: Comparing current active listing prices, comparative market analysis (CMA) data, and the actual underlying mortgage debt.
• Foreclosure vs. REO Risk: Why lenders prefer to sell non-performing paper to note investors rather than taking back coastal real estate and managing property operations.
• Texas Foreclosure Advantage: Leveraging Texas’ fast non-judicial foreclosure timeline to take control of defaulted assets quickly.
• Bidding & Exit Strategies: Determining maximum bid thresholds, workout opportunities with existing operators, and foreclosure execution plans.
• 
  

Whether you're looking to acquire paper on coastal real estate or just want to see how pros evaluate complex non-performing notes, this episode provides actionable due diligence strategies you can use in your own portfolio!

If you want to submit an offer, partner on deals, or have questions about distressed paper, book a call directly at talkwithscottcarson.com or email Scott at [email protected]. Ready to master note investing? Join our upcoming Virtual Note Buying Workshop by registering at notebuyingfordummies.com!

Watch the Original Video of this Episode HERE!

Book a Call With Scott HERE!

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Is every real estate deal a home run, or do some turn out to be too skinny to touch? Welcome back to another episode of 50 Note Deals in 50 Days!

In today's episode, real estate investor Scott Carson breaks down a full case study on a high-equity convertible reverse mortgage in Tyler, Texas. Sitting on nearly a third of an acre with a solid structure and clean interior photos, this property looks great at first glance. But as every experienced note investor knows, beautiful curbside appeal doesn't always guarantee a profitable debt deal. Scott pulls back the curtain on his exact due diligence process, walking through property valuations, legal balance payoffs, rehab estimates, and calculated bid strategies to determine whether this asset yields a winning return or is better off left on the table.

Whether you are looking to acquire non-performing paper, navigate foreclosure auctions, or manage real estate owned (REO) conversions, this breakdown offers an honest, numbers-first look at evaluating risk, calculating ROI across multiple scenarios, and knowing when to walk away from a deal that is just too tight.

• Property Overview & Visual Inspection: Analyzing Google Street View history, roof conditions, and BPO interior photos for a 3 bed, 2 bath, 2,511 sq. ft. single-family home in Tyler, Texas.
• Property Valuation vs. Debt Balance: Comparing a $331,000 Zillow estimate and a $345,000 BPO valuation against an updated legal payoff balance of $316,000.
• The Bidding Strategy: Why offering 80% of the legal balance ($250,000) protects capital and sets a floor for potential hedge fund counteroffers.
• Scenario A: Foreclosure Auction & Credit Bidding: Calculating 90-day returns if the property sells to a third party or yields a full credit bid payoff.
• Scenario B: The REO Breakdown: Factoring in a $25,000 cosmetic rehab budget (paint, wallpaper removal, updated appliances) alongside 10% closing costs to project net margins.
• ROI & Margin Risk: Why an 8% gross return (16% annualized) over six months leaves too little room for error if market values drop or timeline delays occur.
• Essential Due Diligence Steps: Conducting live property walkthroughs, reviewing collateral files, pulling title reports, verifying attorney foreclosure timelines, and pulling local comps.

Knowing when to pass on a deal is just as crucial as knowing when to buy. Take these insights, apply them to your own pipeline, and stop overpaying for skinny deals!

If you want to partner on deals or need help evaluating your paper, book a call directly at talkwithscottcarson.com or email Scott at [email protected]. Ready to take your strategy to the next level? Join the upcoming Virtual Note Buying for Dummies Workshop on August 29th & 30th at notebuyingfordummies.com!

Watch the Original VIDEO HERE!

Book a Call With Scott HERE!

Sign up for the next FREE One-Day Note Class HERE!

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Sign up for the next Note Buying For Dummies Workshop HERE!

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Stop burning thousands of dollars on dead-end Facebook ads and Google marketing—the search landscape has permanently shifted, and the playing field is officially leveled!

In this episode of The Note Closers Show, host Scott Carson breaks down how note buyers and real estate investors can dominate their target markets and rank as the #1 recommended investor using modern AI search tools. The days of prospects wading through ten blue links on Google are over. Today, sellers, lenders, and capital partners are asking ChatGPT, Perplexity, and Gemini directly for recommendations—and if you aren't providing machine-readable, factual content, you don't even exist in their search results.

Whether you have closed zero deals or a hundred, Scott outlines a step-by-step strategy to optimize your digital footprint, leverage free high-authority blogging platforms, and repurpose your deal case studies into local "AI juice" that brings off-market deals and private capital straight to your inbox.

• The Evolution of Search: Why traditional paid ads cratered and why AI answer engines now give direct, single-name recommendations instead of list links.
• Building Machine-Readable Trust: How to optimize your LinkedIn profile, About.me, and neutral third-party review sources so AI engines cite you as an authority.
• The Micro & Macro Blogging Strategy: How to use AI to generate city- and state-specific articles for your top 3 to 5 target markets on Substack, Medium, and LinkedIn.
• Leveraging Chamber of Commerce Directories: A growth-hack tactic to build high-authority backlinks and local credibility by highlighting local real estate vendors.
• Repurposing Audio & Video Content: How transcribing a simple 10-minute video case study creates multiple unique blogs and boosts your visibility fourfold.
• Optimizing Media & Video Length: Why YouTube pushes videos over 8 minutes and how proper image file naming drives extra search traffic.

Don't let your competitors capture the top AI search spots while your experience sits on the sidelines. Take action, optimize your content workflow, and turn AI search into your primary deal-flow engine!

If you want to discuss your note investing strategy or need help navigating your next deal, book a call directly at talkwithscottcarson.com. Make sure to subscribe, leave a review, and share this episode with another investor looking to scale!

Watch the Original Video of this Episode HERE!

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Stop focusing strictly on collateral value and start underwriting for true repayment!

In this episode of The Note Closers Show, host Scott Carson sits down with 30-year credit banking veteran, note investor, and author of The Mad Lender’s Guide to Private Lending and Note Investing, Doug Smith. Doug—aka "The Mad Lender"—shares essential insights into how private investors can avoid devastating loss rates, properly assess borrower capacity, and navigate shifting real estate cycles.

Whether you are looking at non-performing notes, hard money loans, or commercial real estate opportunities, Doug breaks down why relying solely on property values can lead to severe pitfalls, how rising operating expenses impact cash flow, and why structured due diligence is non-negotiable.

• The #1 Mistake Private Lenders Make: Why over-focusing on collateral value while ignoring borrower capacity, credit character, and primary repayment sources destroys returns.
• The Three Cs of Underwriting: How capacity, character/credit, and conditions dictate loan performance far better than property valuation alone.
• Commercial Real Estate & Multifamily Realities: Why rising insurance, taxes, and operating expenses are causing delinquencies and wipes-outs in syndications and commercial notes.
• Mitigating Downside Risk ("Dougie Downers"): How identifying potential failure points in every deal upfront saves principal capital.
• State-by-State Foreclosure Impact: Understanding judicial (e.g., Illinois, Florida) vs. non-judicial (e.g., Texas) timelines and factoring the time value of money into note pricing.
• DSCR Loan Flaws: Why typical Debt Service Coverage Ratio underwriting skips key property reserve and vacancy expenses, creating hidden default risks.
• Mentorship & Working with Professionals: Why self-servicing, skipping legal counsel, or taking advice from inexperienced instructors leads to costly legal and financial blunders.

Don't let market shifts catch you off guard without a solid risk management plan. Make sure to subscribe, leave a review, and visit themadlender.com to grab Doug’s book and learn more about his consulting services!

Watch the Original VIDEO HERE!

Book a Call With Scott HERE!

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What happens when three nominees for the REDnews Social Media Influencer of the Year Award jump on a call together? Absolute magic! In this special episode of The Note Closers Show, host Scott Carson is joined by fellow CRE award nominees Elke Laughlin (Principal at Laughlin Consulting Group) and Samy Soussan (Business Development at Madison Title & host of The CRE Connection Podcast).

Instead of treating award nominations as a competition, this powerhouse trio comes together from a mindset of abundance and prosperity to share how authentic relationship-building, organic social media, and servant leadership drive massive success in commercial real estate!

• The Power of the "Connector" Mindset: Why moving away from a scarcity mindset and operating from prosperity opens doors to untapped deal flow and lifelong partnerships.
• Elke Laughlin’s Organizational Insights: Leveraging behavioral sciences (DISC, motivators, driving forces) to build high-performing commercial brokerage teams and execute organizational change.
• Samy Susan’s #SUSANSelfie Strategy: How organic networking, authentic event coverage, and the "Always Be Connecting" (ABC) philosophy built a powerful CRE network.
• Overcoming Social Awkwardness in the Next Generation: Teaching younger professionals and interns how to put down their phones, network in person, and nurture long-term professional relationships.
• Emerging Commercial Real Estate Opportunities:
• Industrial Outdoor Storage (IOS): Why low-coverage urban infill dirt is exploding due to e-commerce and last-mile distribution demands.
• Distressed Note & Small Balance Commercial Debt: Sourcing direct-from-bank deals and finding value in non-performing assets.
• Fractional CRE Services: Introducing CREVA Collective to serve mid-sized CRE firms.
• AI & Future Tech in CRE: Implementing AI underwriting tools, hosting tech meetups, and using AI clones for 24/7 investor communication.

If you want to grow your brand, close more deals, and build lasting connections in commercial real estate, this conversation is packed with actionable takeaways you can apply today!

Connect with us on LinkedIn:

• 🔗 Elke Laughlin: LinkedIn
• 🔗 Samy Soussan: LinkedIn
• 🔗 Scott Carson: LinkedIn

Ready to take your note investing and real estate game to the next level? 📅 Book a Call with Scott: talkwithscottcarson.com

📩 Email Scott: [email protected]

Go out, take some action, and 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!

Sign up for the WCN Membership HERE!

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It’s that time of the month again, note investors! Scott Carson is back with the official Texas Foreclosure Update for August 2026. Following July’s massive 12% to 16% surge across Texas counties, are we seeing a continued wave of distressed properties—or is the market taking a breather?

In this episode, Scott pulls back the curtain on the raw numbers, tracking over 4,200 scheduled residential and commercial foreclosure filings across North, South, East, West, and Central Texas. Whether you’re targeting single-family homes in Harris County, commercial assets in DFW, or looking at rising trends in Williamson and Bell counties, this episode gives you the local intelligence you need to find true distressed real estate deals before everyone else!

• Overall Market Breakdown: Statewide foreclosure filings decreased from 4,754 in July to 4,215 total filings in August 2026—a temporary dip following a major quarterly spike.
• Residential vs. Commercial Totals: Out of the 4,215 filings, 3,765 are residential, while 450 are commercial assets across the state.
• Commercial Foreclosure Trends: Commercial filings fell 10% statewide (down 46 deals).
• Central Texas: Down to 134 filings (down 25).
• East Texas (Greater Houston): Up to 105 filings (up 14).
• North Texas (DFW): Down to 145 filings (down 11).
• South Texas: Down to 45 filings (down 25).
• West Texas: Steady at 21 filings (up 1).
• Top Texas Residential Counties Breakdown:
• Harris County (Houston): Leads the state with 651 filings (down ~25% from last month).
• Bexar County (San Antonio): 439 filings.
• Dallas County: 334 filings (down 63).
• Tarrant County (Fort Worth): 278 filings (down 34).
• Travis County (Austin): 135 filings (down 24).
• Bucking the Trend: Williamson County (up 13 to 108) and Bell County (up 12 to 99) both showed increases north of Austin.
• Data Tools & Discount: How to use the Roddy Foreclosure Listing Service (4closure.info) to track residential and commercial filings. Use promo code WECLOSENOTES to save $20 on your residential subscription.

Tracking market trends is the key to finding off-market distressed debt, bank-owned properties, and high-profit wholesale deals! Want to learn how to capitalize on these Texas foreclosure filings without putting up big capital or dealing with tenants?

🔥 Upcoming Live Training Events:

• Wholesaling Notes Masterclass (Aug 22, 2026): Learn how to source, evaluate, and flip paper direct from banks for just $199 (includes spouse/partner + replays) at wholesalingnotes.com. (Bonus: Signing up includes FREE entry to the 2-Day Workshop!)
• Virtual Note Buying for Dummies Workshop (Aug 29–30, 2026): Master buying performing and non-performing debt for just $99 at notebuyingfordummies.com.

Go out, take some action, and 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!

Sign up for the WCN Membership HERE!

Sign up for the next Note Buying For Dummies Workshop HERE!

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