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How do you know if a potential property is a home run or a money pit? In this episode, host Chad Harris pulls back the curtain on the deal analysis process. We break down the essential acronyms every investor needs to know—ARV, MAO, ROI, and DSCR—and explain the "70% Rule" and "$250 per door" cash flow strategy. Chad also explores the world of creative financing, including Subject-To, Seller Financing, and Wrap Mortgages, providing a roadmap for buying properties with little to none of your own money. Whether you are navigating your first flip or scaling a massive rental portfolio, this episode is your guide to running numbers like a pro.Visit our website at www.TrueWealthInvestors.com for more real estate wisdom and resources. More Resources & LinksStruggling to get started in Real Estate or feel like you are struggling to get to the next level? Check out this Free Vision Casting Video to help clarify your goals and get specific steps to accomplish them!Schedule a 30 Minute Discovery Call with Chad Accelerate the growth of your business and reclaim control of your life! Are you tired of your business running you instead of the other way around? It's easy to get bogged down in the day-to-day operations, making it challenging to identify overarching challenges and solutions. Let's schedule a call to gain a strategic 10,000-foot perspective and devise a tailored plan for your success. Take the first step towards a business that not only thrives but also enhances your life! Connect with Chad on LinkedInFollow Chad on InstagramFollow Chad on YouTubeFollow True Wealth on FacebookBe sure to leave a rating & review to let us know how this show has helped YOU!
In this episode, AZREIA Executive Director Michael Del Prete and Marcus Maloney sits down with attorney, investor, and note expert Jeff Watson to discuss why many investors are shifting away from traditional rentals and toward notes and seller financing to build more predictable income with less risk and stress. eff shares his journey from buy-and-hold investing and short sales to becoming a successful note investor after learning from Eddie Speed. The conversation dives into how rising taxes, insurance costs, maintenance expenses, and growing political pressures are making traditional rental investing more difficult than ever. You'll learn how seller financing can create steady monthly cash flow, why amortization schedules can become a powerful wealth-building tool, and how investors can structure creative deals to maximize returns. Jeff walks through a real-world seller finance example using a $129,900 property sale with a $20,000 down payment and financing at 9.5% over 30 years. He also explains how partial note sales can help investors recover capital faster and how self-directed IRAs can be used in note investing strategies. If you're looking for ways to build more consistent income while reducing the day-to-day challenges of being a landlord, this conversation is packed with valuable insights you can apply immediately. 1:03 Jeffs Investing Origin 02:05 Short Sales to Note Buyer 05:36 Why Pivot Now 06:44 Two Aha Moments 08:28 Seller Financing Math 11:55 Where It Works 15:33 Subject To and Wraps 17:07 Note Myths and Payoffs 19:39 AZREIA Events Preview 22:24 Deep Dive Workshop 25:10 Disclaimers and Wrap Up -- Contact Alden of Silver Crest Opportunity Fund at http://silvercrestopportunityfund.com ""AZREIA does not endorse specific investments. Please do your own due diligence."" Want to grow your real estate business?
In another solo episode, Stevie Stacks takes the mic to discuss the unglamorous side of growing a real estate empire. While managing a portfolio of 60 units, Stevie was put to the test when his key team member took a week off, proving that a business is only as strong as the systems left behind.Stevie dives into the "Ewing Effect" in business—how a team can actually find new strengths when a top performer is away—and shares his personal experience jumping back into the daily grind of drafting leases and managing inquiries.What you'll hear in this episode:The Systems Reality Check: Why "boring" processes are the only way to scale without burning out.Tech & Hardware: Stevie's take on the current Mac Mini shortage, the power of using AI to professionalize listing photos, and why he is moving away from high-maintenance smart locks in favor of reliable manual keypads.The PadSplit Pivot: How Stevie is filling rooms in record time in transit-lite cities like Arlington and his strategy for furnishing a 6-room property for under $3,000 using recycled gear and savvy Amazon finds.Lessons from the Past: A look back at Stevie's first major eviction and how facing that "worst-case scenario" removed the fear of growing his business.New Acquisitions: The details of a recent "Subject-To" deal and how he's turning a new property into a high-cash-flow corporate rental.Whether you are managing one unit or sixty, this episode is a deep dive into the grit, technology, and operations required to thrive in the modern rental market.Work With UsInterested in professional management or consulting?Connect with Myka and Steve through their respective management firms:➡️Myka (Sharebnb): www.sharebnb.com➡️Steven (Argest Rentals): www.ArgestRentals.comSign up for PadSplit with Steve's link and get a free 1 on 1 PadSplit strategy call with Stevie Stacks!https://www.padsplit.com/hosts?referr...Check out Myka's Podcast: Entrepremarriage – Building wealth without losing the marriage / @entrepremarriage Click our Link Tree for Podcast News!https://linktr.ee/liveletthrive#airbnb #airbnbhost #shorttermrentals #BRRRR #realestate #turo #homeaway #VRBO #corporatehousing #shareeconomy #podcasts #podcast #liveletthrive #realestateinvesting #airbnbsuperhost #airbnbpodcast #sharebnb #liveletthrivepodcast #biggerpockets #shorttermrentals #directbookings #directbooking #bookdirect
Ryan Pineda and cohost Brian Davila sit down with former employee Ray Rodriguez to break down how he became a millionaire in his early 20s through wholesaling real estate, scaling an MLS-based investing business, and navigating the mindset shifts around money, entrepreneurship, fulfillment, and wealth building.Connect with Ray - https://www.instagram.com/rayrrodriguez_/https://www.instagram.com/monumentalestates/__________If you want to start your real estate investing business, we'll give you 1:1 coaching, seller leads, software, & everything you need. https://www.wealthyinvestor.comIf you're a business owner who wants to get in peak physical shape, we can help! https://www.allproceo.comJoin our private mastermind for elite business leaders who golf. https://www.mastermind19.comJoin free Bible studies and workshops for Christian business leaders. https://www.tentmakers.us__________CHAPTERS:00:00 - Ray's Millionaire Journey02:38 - Discovering Real Estate Investing06:02 - Getting Hired By Ryan11:23 - Nine Months No Deals18:35 - First Real Estate Payday22:43 - Leaving To Go Solo26:56 - MLS Strategy Explained30:23 - Subject-To & Rental Debate34:43 - Buying Businesses vs Wholesaling47:23 - Paying $100K For Hormozi53:02 - Why Wholesaling Caps Out01:06:00 - Underground Poker Tournament Story01:14:11 - Wealth, Lifestyle & Fulfillment01:21:50 - Buying A Million-Dollar Home01:36:31 - The Path To $100M01:40:07 - Keep Or Sell Rentals01:43:08 - Ray's Wealthy Investor Advice
In another solo episode, Stevie Stacks takes the mic to discuss the unglamorous side of growing a real estate empire. While managing a portfolio of 60 units, Stevie was put to the test when his key team member took a week off, proving that a business is only as strong as the systems left behind.Stevie dives into the "Ewing Effect" in business—how a team can actually find new strengths when a top performer is away—and shares his personal experience jumping back into the daily grind of drafting leases and managing inquiries.What you'll hear in this episode:The Systems Reality Check: Why "boring" processes are the only way to scale without burning out.Tech & Hardware: Stevie's take on the current Mac Mini shortage, the power of using AI to professionalize listing photos, and why he is moving away from high-maintenance smart locks in favor of reliable manual keypads.The PadSplit Pivot: How Stevie is filling rooms in record time in transit-lite cities like Arlington and his strategy for furnishing a 6-room property for under $3,000 using recycled gear and savvy Amazon finds.Lessons from the Past: A look back at Stevie's first major eviction and how facing that "worst-case scenario" removed the fear of growing his business.New Acquisitions: The details of a recent "Subject-To" deal and how he's turning a new property into a high-cash-flow corporate rental.Whether you are managing one unit or sixty, this episode is a deep dive into the grit, technology, and operations required to thrive in the modern rental market.Work With UsInterested in professional management or consulting?Connect with Myka and Steve through their respective management firms:➡️Myka (Sharebnb): www.sharebnb.com➡️Steven (Argest Rentals): www.ArgestRentals.comSign up for PadSplit with Steve's link and get a free 1 on 1 PadSplit strategy call with Stevie Stacks!https://www.padsplit.com/hosts?referr...Check out Myka's Podcast: Entrepremarriage – Building wealth without losing the marriage / @entrepremarriage Click our Link Tree for Podcast News!https://linktr.ee/liveletthrive#airbnb #airbnbhost #shorttermrentals #BRRRR #realestate #turo #homeaway #VRBO #corporatehousing #shareeconomy #podcasts #podcast #liveletthrive #realestateinvesting #airbnbsuperhost #airbnbpodcast #sharebnb #liveletthrivepodcast #biggerpockets #shorttermrentals #directbookings #directbooking #bookdirect
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Can't Make Your Mortgage Payment? Are You Facing Foreclosure? You Are Not Alone.If you are struggling to pay your mortgage on time or are already falling behind, the stress can be overwhelming. You might be dealing with job loss, divorce, or health issues, but it is important to remember that bad things happen to good people—and you are not a failure. In this video, 25-year real estate and mortgage expert Scott Carson shares the exact strategies he used to save his own properties and his parents' home from foreclosure. Whether you have 30 days or 90+ days of late payments, there are legal, effective options available to help you keep your home or exit your mortgage without destroying your credit for seven years.Inside This Episode: Your Path to Financial RecoveryThe Golden Rule of Distressed Mortgages: Why "hiding from the mailman" is the worst mistake you can make and how proactive communication with your lender can stop the clock.Options for Staying in Your Home: A deep dive into Forbearance Agreements, Repayment Plans, and Loan Modifications (including 40- to 50-year extensions).FHA Partial Claims: A specific "interest-free" government loan program that can help lower your payments for up to three years.Strategies for Selling with No Equity: How Short Sales work, the documents you'll need (like the Hardship Letter and ARI), and why you must hire an agent who specializes in distressed property.Creative Investing Solutions: Discover how "Subject To" deals and Owner Financing allow investors to take over your payments, potentially boosting your credit while solving your debt.The Truth About Bankruptcy: Understanding the difference between Chapter 13 (Reorganization) and Chapter 7 (Liquidation) and when to use them as a last resort to halt an auction.Fresh Starts with New Lenders: Why having your mortgage sold to a new company can actually be your best chance for a successful loan modification.Avoiding Scams: Red flags to watch for, including people who ask for large upfront fees or tell you to stop talking to your lender.Don't let the clock run out on your options. Whether you want to stay in your house or find a way to walk away with your dignity and credit intact, there is a solution for your specific situation. Scott Carson and his nationwide team are dedicated to helping homeowners navigate these rough waters with real, legal solutions. Stop the stress tonight—reach out for a free consultation and let's get you back on track for a successful 2026.Resources Mentioned:Book a Free Consultation: TalkWithScottCarson.com Text Scott Directly: (512) 585-3810 HUD Approved Counselors: 888-995-HOPE Rent Research Tool: Rentometer.com #ForeclosurePrevention #MortgageHelp #ScottCarson #RealEstateInvesting #ShortSale #LoanModification #DistressedMortgageWatch 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 Pinterest
Homeownership can open the door to wealth, but the real legacy is built when you understand how to protect it. In this episode, Caleb Christopher, founder of Creative TC, DOS Guard, and Creative Title, breaks down ethical creative financing strategies, the risks many buyers and sellers miss, and how families can make smarter real estate decisions without falling into costly traps.From seller financing and subject-to deals to lease options and due-on-sale risks, this conversation explores how buyers, sellers, and investors can think beyond traditional lending while still keeping transactions safe, legal, and ethical.Caleb shares how these strategies can help people solve real housing challenges, avoid foreclosure, preserve credit, and create opportunities for long-term wealth. He also explains why creative finance should not be the first option, but sometimes the right one when cash offers, listing with an agent, or holding the property no longer work.Key Takeaways:05:52 Defining Seller Financing: Understand the "vanilla" version of creative finance where the seller acts as the bank, allowing for flexible down payments and terms.06:33 The Mechanics of "Subject To": A deep dive into acquiring the deed to a property while keeping the existing low-interest mortgage in place.08:26 Navigating the "Blank Canvas": Why creative deals must be safe, legal, and ethical, and the importance of using disclosures to protect both buyers and sellers.11:46 Solving the Due on Sale (DOS) Clause: An explanation of loan acceleration and how Caleb's company, DOS Guard, provides a remediation solution for this common investor fear.14:04 Lease Options vs. Rent-to-Own: Exploring how tenants can negotiate the right to purchase their home over a set period.20:02 The Three-Step Disqualification Rule: Why you should always rule out Cash Offers, Realtors, and Keeping the Property before jumping into creative financing.Legacy Takeaway:Creative financing is not just about getting into a property — it is about structuring deals responsibly, protecting credit and equity, and making decisions that strengthen financial stability for future generations.Connect with Caleb:Websites: calebchristopher.io | creativetc.ioConnect with Corwyn:Contact Number: 843-619-3005Instagram: https://www.instagram.com/exitstrategiesradioshow/FB Page: https://www.facebook.com/exitstrategiessc/Youtube: https://www.youtube.com/channel/UCxoSuynJd5c4qQ_eDXLJaZAWebsite: https://www.exitstrategiesradioshow.comLinkedin: https://www.linkedin.com/in/cmelette/Shoutout to our Sponsor: Mellifund Capital, LLCNeed funding for your next real estate flip or build? MelliFund Capital makes it fast, flexible, and investor-friendly. Visit MelliFundCapital.com and fund your future today. Again, that's MelliFundCapital.com, M-E-L-L-I-L-U-N-D, Capital.com.
Are you tired of chasing the same tired foreclosure lists that every other investor in town is already cold-calling? In today's market of chaos and distressed debt, the real "Monopoly" winners aren't just collecting $200 for passing Go—they are finding the deals six to twelve months before they ever hit the public radar. In this episode, Scott Carson pulls back the curtain on a massive influx of distressed debt hitting the market. We're talking about "loan level" data on thousands of notes across the country where borrowers are 6, 12, or even 24 months behind on payments. Whether you are a "hustler" looking for your next creative real estate deal or a realtor hungry for fresh listing leads, this episode shows you how to tap into a private stream of opportunities that most people don't even know exist. What You'll Learn in This Episode:The "Crumb Investor" Advantage: Why you don't need a billion-dollar license to profit from the massive portfolios being moved by banks and hedge funds. Deep-Dive Data: Understanding "loan level" information, including exact addresses, equity positions, and exactly how many months a borrower is in default. Creative Exit Strategies: How to turn these distressed leads into "Subject To" deals, owner financing opportunities, or traditional listings. Geographic Opportunities: Why this isn't just a Texas or Florida play—opportunities are popping up in New York, New Jersey, and even Alaska and Hawaii. The Partnership Model: How to work with Scott to get these leads delivered to your inbox once or twice a month, either through a small fee or a referral relationship. Due Diligence Support: How Scott's team can now assist with BPOs, O&Es, and other critical due diligence documents for your deals. Are You Ready to Jump on the Board?The market isn't "bad"—it's just changing. If you are willing to pick up the phone, knock on a door, or start a mail campaign, there is plenty of room on the Monopoly board for you. Don't wait for the foreclosure auction; get the lead while the borrower is still in the early stages of default and nobody else is looking.Watch the Original Video HERE!Book a Call With Scott HERE!
Are you tired of chasing the same tired foreclosure lists that every other investor in town is already cold-calling? In today's market of chaos and distressed debt, the real "Monopoly" winners aren't just collecting $200 for passing Go—they are finding the deals six to twelve months before they ever hit the public radar. In this episode, Scott Carson pulls back the curtain on a massive influx of distressed debt hitting the market. We're talking about "loan level" data on thousands of notes across the country where borrowers are 6, 12, or even 24 months behind on payments. Whether you are a "hustler" looking for your next creative real estate deal or a realtor hungry for fresh listing leads, this episode shows you how to tap into a private stream of opportunities that most people don't even know exist. What You'll Learn in This Episode:The "Crumb Investor" Advantage: Why you don't need a billion-dollar license to profit from the massive portfolios being moved by banks and hedge funds. Deep-Dive Data: Understanding "loan level" information, including exact addresses, equity positions, and exactly how many months a borrower is in default. Creative Exit Strategies: How to turn these distressed leads into "Subject To" deals, owner financing opportunities, or traditional listings. Geographic Opportunities: Why this isn't just a Texas or Florida play—opportunities are popping up in New York, New Jersey, and even Alaska and Hawaii. The Partnership Model: How to work with Scott to get these leads delivered to your inbox once or twice a month, either through a small fee or a referral relationship. Due Diligence Support: How Scott's team can now assist with BPOs, O&Es, and other critical due diligence documents for your deals. Are You Ready to Jump on the Board?The market isn't "bad"—it's just changing. If you are willing to pick up the phone, knock on a door, or start a mail campaign, there is plenty of room on the Monopoly board for you. Don't wait for the foreclosure auction; get the lead while the borrower is still in the early stages of default and nobody else is looking.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 Pinterest
Wanna buy a property without putting a single dollar down in 2026? I'm breaking down four specific ways to buy real estate with zero money out of pocket, including the VA loan and creative financing. We'll cut through the heavy jargon so you can structure deals with clarity and confidence. Timestamps (00:00) - Intro (01:01) - The power of the VA loan for 0% down (01:36) - Real-world creative financing examples (02:34) - How I negotiated a zero-down, zero-interest deal (04:13) - Why the VA loan is the best mortgage product (05:13) - Seller financing and "Subject To" explained (06:23) - Using Home Equity Lines of Credit (HELOCs) (08:10) - Raising capital and finding partners (08:50) - Resources for financial freedom About the Show On the Military Millionaire Podcast, I share real conversations with service members, veterans, and their families. Each week, we explore how to build wealth through personal finance, entrepreneurship, and real estate investing. Resources & Links Download a free copy of my book: https://www.frommilitarytomillionaire.com/free-book Sign up for free webinar trainings: https://www.frommilitarytomillionaire.com/register Join our investor list: https://www.frommilitarytomillionaire.com/investors Apply for The War Room Mastermind: https://www.frommilitarytomillionaire.com/mastermind-application Get an intro to recommended VA agents/lenders: https://www.frommilitarytomillionaire.com/va-realtor Guide to raising capital: https://www.frommilitarytomillionaire.com/capital-raising-guide Connect with David Pere Facebook Group: https://www.facebook.com/groups/militarymillionaire YouTube Channel: https://www.youtube.com/@Frommilitarytomillionaire?sub_confirmation=1 Instagram: https://www.instagram.com/frommilitarytomillionaire/ LinkedIn: https://www.linkedin.com/in/david-pere/ X (Twitter): https://x.com/militaryrei TikTok: https://www.tiktok.com/@militarymillionaire
From fraternity rentals to island ownership, Mike Cossette reveals how clarity, creative financing, and bold action turned market chaos into long-term wealth and financial freedom.See article: https://www.unitedstatesrealestateinvestor.com/from-fraternity-rentals-to-real-island-ownership-with-mike-cossette/(00:00) - Introduction to The REI Agent Podcast(00:28) - Meet Mike Cossette and Opening Banter About Austin Weather(02:05) - Mike's Origin Story: Renting a Fraternity House in College(04:30) - Discovering Equity and the Power of Leverage in the 2005 Market(06:15) - Launching a REMAX Franchise and Entering the Market Before the Crash(08:10) - Surviving the Financial Crash Through Short Sales and Adaptability(12:00) - Building Long-Term Wealth From 2009 to 2011 Acquisitions(14:25) - First Downtown Austin Property and Early Renovation Experience(17:10) - Discovering Short-Term Rentals and the Airbnb Lightbulb Moment(20:40) - Taking Risks After Life-Changing Travel Experiences(23:15) - Expanding Into Commercial and Creative Investing(25:30) - The Island in Florida: From Idea to Ownership During COVID(30:45) - Insurance, Hurricanes, and Hard Lessons in Florida(33:05) - Regulatory Challenges and Sustainable Island Development(35:10) - 12 Unit Apartment Deal Using Seller Financing and a Mortgage Wrap(38:20) - The Importance of Trust in Subject To and Creative Deals(40:10) - Current Opportunities: Warehouses and Duplex Investments(42:25) - Golden Nugget: Clarity Framework for Investors(44:10) - Favorite Books: Buying Back Your Time and The Slight Edge(45:05) - Where to Connect With Mike Cossette(45:20) - Closing Remarks and Podcast OutroContact Mike Cossettehttps://mikecossette.com/https://www.facebook.com/AskMikeCoss/https://youtube.com/@AskMikeCoss If there is one lesson from Mike Cossette, it is this. Define the job of your property before you ever chase the deal. When you gain clarity, fear loses its power, and opportunity becomes obvious. Stop analyzing and start acting with purpose. If you are ready to build wealth with intention and courage, visit https://reiagent.comIs success destroying your peace? Most pros grind until they break. Download The Investor's Life Balance Sheet: A Holistic Wealth Audit to see if you are building a legacy or heading for burnout. Presented by The REI Agent Podcast & United States Real Estate Investor® https://sendfox.com/lp/m4jrl
Welcome to this episode of the Monday Money Coaching Call. Look, it is absolutely freezing here in Austin, Texas. We are talking 18 degrees, which basically means the entire state shuts down because—let's be honest—nobody here knows how to drive on ice. So, while the roads are slick, we are chilling inside where the coffee is hot, and the deals are even hotter.If you missed our massive livestream this past Saturday, don't worry. We spent over two hours breaking down a tape of 3,067 non-performing first liens. But for today's coaching call, I wanted to peel back the onion a little further. We are doing a deep dive specifically into the remaining 200+ Texas assets. Why Texas? Because it's the fastest foreclosure state in the country, and when you combine speed with equity, you find the magic.In this episode, I'm walking you through my exact process of filtering a massive spreadsheet—hiding the columns that don't matter (looking at you, "QM Flags") and highlighting the ones that equal profit. We take a serious look at a specific asset in Tyler, Texas. This isn't just looking at numbers; we become digital detectives. We look at the borrower's emotional equity (solar panels and garden gnomes count!), the "Zillow Zombie" values, and even do a Google search that reveals the heartbreaking backstory of why the borrower likely defaulted.We also tackle the difference between chasing "Subject To" deals versus buying the Non-Performing Note. Spoiler alert: You aren't getting a massive discount on a note that is only 90 days late. We run the math on calculating yields, determining legal balances, and deciding when to aim for a re-performing note versus when to accept that a property is headed for foreclosure (like a massive upside-down property we found in Dripping Springs).In this episode, we cover:The Texas Deep Freeze: Why staying off the icy Austin roads is the best investment decision you can make today.The 3,000 Note Breakdown: A recap of the massive tape we analyzed on Saturday and where to find the remaining opportunities.Geographic Breakdown: Mapping out opportunities from the Panhandle to the Valley, including Dallas, Houston, and the Piney Woods.Spreadsheet Mastery: How to filter data efficiently—calculating estimated legal balances, equity percentages, and hiding useless columns.The Tyler, Texas Case Study: A full breakdown of a property with 82% equity, analyzing photos, tax records, and potential 17-19% cash-on-cash returns.The "Human" Element: How a simple Google search revealed a borrower's personal tragedy and how that informs our strategy.Bankruptcy & Foreclosure Plays: Analyzing a deal in Montgomery, TX involving a bankruptcy plan, and a luxury builder home in Dripping Springs that is $200k upside down.Sub2 vs. NPN: Why buying the note makes more sense than a Subject To deal when the borrower is 6+ months behind.Texas Foreclosure Trends: A look at Roddy's List and current numbers in Travis, Bexar, Dallas, and Harris counties.Look, it might be 20 degrees outside, but these yields are keeping us warm. Whether you are looking to get a borrower back on track with a modification or taking a property back in a fast foreclosure state, the opportunity is right there in the data. You just have to know how to filter for it.Make sure you grab the updated spreadsheet from the Basecamp repo (I'll add the formulas so you don't have to do the heavy lifting). If you are catching the replay, go back and watch the Saturday breakdown, and then join us live next time at NoteNightInAmerica.com.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 No
Creative financing opens amazing doors for real estate investors—but it can also destroy deals when done wrong. In this episode, Caleb Christopher, founder of Creative TC, breaks down how to use Subject-To and Seller-Financing strategies safely, legally, and ethically. Caleb shares real-world stories from the trenches—like taking over a mortgage where the sellers actually paid him—and explains what to watch out for when banks threaten the due-on-sale clause. You'll learn: What creative financing really means (and when you should—or shouldn't—use it) How to protect sellers, buyers, and your reputation The biggest legal and ethical mistakes wholesalers make What happens when banks call a loan due—and how to fix it How Caleb uses AI to streamline contracts, due diligence, and compliance If you've ever been tempted to close a deal "subject-to," this conversation will show you how to do it right—and keep yourself out of trouble. Find out more: Homepage: https://calebchristopher.io/ Creative Finance Consulting: https://creativetc.io Instagram: https://www.instagram.com/fcalebchristopher YouTube: https://www.youtube.com/calebchristopherhimself LinkedIn: https://www.linkedin.com/in/calebchristopher/ Today's episode is brought to you by Green Property Management, managing everything from single family homes to apartment complexes in the West Michigan area. https://www.livegreenlocal.com And RCB & Associates, helping Michigan-based real estate investors and small business owners navigate the complex world of health insurance and medicare benefits. https://www.rcbassociatesllc.com
If you want to discover the best ninja real estate rental tax strategy to keep 100% of your income, this episode is for you. We break down why being a standard real estate agent is a financial trap and how partnering up with real estate investors as an agent is the ultimate cheat code to freedom.In this training, you will learn the exact expired listing scripts that turn angry sellers into clients by offering to take over their payments. This is not just about making more sales; it is about building generational wealth as a real estate agent through ownership rather than just commissions.In this episode, we cover:✅ Why standard real estate agent tax deductions (like your car or clothes) are not enough to offset high income. ✅ The "Subject To" conversation that unlocks expired listings faster than price reductions. ✅ How to use specific real estate cold calling scripts to offer solutions other agents don't have. ✅ The power of subject to real estate to create passive income streams. ✅ A breakdown of real estate taxes and how the IRS rewards you for providing housing.Most agents work until they burn out because they never own assets. By mastering subject to real estate and understanding the tax code, you can build a portfolio that pays you forever. Watch this full breakdown of the "Wedge Method" and see how one real estate agent turned 12 months of work into $1.2 million in net worth.
Join The Creative Finance Playbook Coaching Program & Learn Directly from Jenn & Joe:https://creativefinanceplaybook.com/How to Find REAL Buyers & Close Deals FAST (No Banks, No Waiting!) | Creative Finance Playbook ft. Daniel McClamStruggling to find real buyers for your deals? This ONE platform connects you to verified cash buyers in SECONDS — no banks, no gatekeepers, no excuses.What if finding real cash buyers was as easy as one click? In this episode of Creative Finance Playbook, Jenn & Joe Della Fave sit down with Daniel McClam, founder of InvestorBase, to reveal how investors are finding qualified buyers, closing deals faster, and scaling without relying on banks, agents, or luck.Whether you wholesale, flip, or buy creatively through Seller Financing, Subject-To, or Lease Options, you'll learn how to turn cold leads into real closings and automate your buyer pipeline.Inside this episode:
Cayce Stone on “Buyer of Subject To” with Mark MonroeIn this episode, Cayce Stone joins Host Mark Monroe for a deep dive into one of the most powerful creative finance strategies in today's market: Buying Properties Subject To.Here's what you'll discover inside EP167: - How Cayce structures Subject To deals for maximum profit - The biggest mistakes investors make when attempting Subject To - Real deal examples and step-by-step strategy breakdowns - Why Subject To is becoming a go-to tool in today's economy - Tips for new and seasoned investors looking to scale without banksWhether you're building your first deal pipeline or expanding your creative finance toolbox, this episode is packed with actionable insights.Tune in to EP167 and learn how the pros are mastering Subject To investing!#SellerFinancing #sellerfinancingstrategies #markmonroe #realestateinvesting #realestate #cashflow #realestatetips #RealEstatePodcast
Join The Creative Finance Playbook Coaching Program & Learn Directly from Jenn & Joe:https://creativefinanceplaybook.com/Why the BRRRR Strategy Is Dead (And What Works in 2025 Instead) | Creative Finance Playbook Think you still need banks, perfect credit, or massive down payments to invest in real estate? Think again. In this episode of Creative Finance Playbook, Jenn & Joe Della Fave break down why the BRRRR strategy no longer works in 2025—and the creative finance methods that are replacing it. You'll discover how today's investors are building wealth faster using Seller Financing, Subject-To, and Lease Options—all without relying on banks or high-interest loans. Inside this episode:
Join The Creative Finance Playbook Coaching Program & Learn Directly from Jenn & Joe:https://creativefinanceplaybook.com/The banks said no. The underwriters said your DTI is too high. But investors like us? We're still buying homes—with $0 down and no credit checks.In this episode of Creative Finance Playbook, Jenn & Joe Della Fave break down how everyday investors are buying homes, building portfolios, and creating financial freedom — without banks, without credit, and without massive capital.You'll learn how to structure creative finance deals using Seller Financing, Subject-To, Lease Options, and Wrap Mortgages — done ethically, legally, and profitably in today's market.Hear real-life stories of investors replacing traditional loans with strategies that create monthly cash flow, long-term wealth, and total financial freedom — even in high-interest-rate environments.If you're ready to buy your next property with $0 down and finally escape the bank-dependent system, this episode is for you.
Are you generating seller leads but failing to convert them? The truth is, your lead problem is actually a product knowledge problem. This episode gives you the real estate lead conversion script you're missing, showing how we convert home seller leads that other agents give up on.Most agents fail because they don't know how to handle complex deals. We break down why most real estate leads don't convert and show you how to master the tactics that win in a tough real estate market. Forget basic scripts; your true value is in your product knowledge about real estate.In this episode, Aaron Novello and Jose Luiz Morales reveal the strategies they use to increase lead conversion and build a recession proof business.You will learn: ✅ Why "product knowledge" is the new key to real estate conversion. ✅ How to advise clients on competitor offers like a hometap loan review. ✅ The power of creative financing for real estate agents, including Subject To deals and Short Sale scenarios. ✅ How to handle complex seller leads and become the only agent they trust.Don't just generate leads—learn how to convert them.
Mark Monroe—30-year investor and author of Creative Real Estate Investing—joins Dan to unpack the real mechanics of seller financing: when to use wraps vs. lease options, why performance deeds can backfire, and how to keep Subject-To ethical (and legal). Mark shares how he sources true win-win deals (including hospice-driven leads), structures low- or zero-down offers, and automates collections with servicers and VAs. They also dig into predatory tactics used by some investors, Dodd-Frank/S.A.F.E./RESPA realities for owner-occupants, and why compliance and underwriting protect both the borrower and your business. Connect with Mark: https://mark-monroe.com/ Join Mark's 180K+ member Facebook group: https://www.facebook.com/groups/395240491763831 Want to create your own seller-financed notes? MAKE SURE YOUR NOTES ARE SELLABLE, VALUABLE, AND COMPLIANT: https://calltheunderwriter.com/ Are you Ready to work with Dan to learn how to invest in notes yourself? COMPREHENSIVE NOTE BUYING COURSE: https://www.notelaunchpad.com
Join The Creative Finance Playbook Coaching Program & Learn Directly from Jenn & Joe:https://creativefinanceplaybook.com/Think you need perfect credit and a huge down payment to start investing in real estate? Think again.
In this episode of the Real Estate Notes Show, hosts Dave Putz (JKP Holdings) and Nathan Turner (Earnest Investing) sit down with veteran investor William Tingle (26+ years in the trenches) to bridge the gap between seller finance and note buying. From vocabulary clashes to court-tested strategies, William breaks down why he buys Subject-To, sells on contract for deed (not wraps), and how he engineers cash flow without predatory tactics. If you create notes, buy notes, or want safer, scalable deals, this one's a masterclass.
Tired of making only $35K net and working 7 days a week? This episode reveals the real estate wholesaling system top agents use to make $100K per deal—without relying on commission checks. Learn creative financing real estate strategies and the real estate agent secrets your broker won't teach you. Stop losing high-value deals and start building real income real estate wealth!The traditional agent model is a low-pay trap. Learn how to approach leads as an investor and agent to close deals that traditional agents miss. Idalis breaks down her six-figure case studies ($108K wholesale, $127K flip) and the three solutions you need to master:✅ Wholesaling for Max Profit: Close massive deals like our $108K case study by flipping contracts without taking title.✅ Novation Masterclass: Get the Novation deal explained and master the Novation real estate strategy, including the difference with novation vs assignment, to earn high profit on deals with higher seller expectations.✅ Closing the Equity Gap: Use the Subject To real estate strategy to close low-equity deals. This is the key to turning away motivated sellers into six-figure opportunities.This training covers the lucrative Fix and flip strategy and the crucial mindset shift: sellers optimize for convenience, not just price. Get the product knowledge needed for financial freedom.
In this episode, Glen Sutherland talks with Marian Welch, a Canadian investor and creative dealmaker who turned adversity into opportunity. Marian shares how she uses strategies like rent-to-own and vendor take-back to solve problems for buyers and sellers, and how her investing journey has expanded from Canada into the U.S. and Mexico.
Julián Barrientos pasó de los cuarteles al Real Estate, de hacer cold calls todos los días a cerrar más de 80 contratos en un año. Hoy maneja su propia empresa, invierte con estrategias como Subject To y flips, y enseña cómo la disciplina puede ser tu mejor inversión. Una historia real de esfuerzo, visión y crecimiento que te demuestra que el éxito no llega por suerte… sino por acción.
Discover how to break into real estate investing without relying on banks or large upfront cash. In this episode, Chris Prefontaine, Chairman and Founder of Smart Real Estate Coach, shares his proven methods for buying and controlling properties using creative strategies like seller financing, subject-to deals, and lease purchases. Learn why he believes traditional wholesaling and flipping aren't the best entry points, and find out how you can start investing—even with a full-time job or minimal capital. Don't miss key insights on building recurring income, protecting your assets, and navigating today's real estate market with confidence. Subscribe for more practical tips from industry experts!
In this powerful episode, note investing veterans Eddie and Martha Speed dive into their decades of experience, offering deep insights into partial notes, building a legacy business, and the evolving market landscape. The conversation highlights the ethical challenges with Subject-To deals and unveils the groundbreaking future of blockchain in note transactions. Learn why "being the bank" is the ultimate strategy for today's investors and why NoteExpo 2025 may be the most important event in years. Whether you're new to note investing or a seasoned pro, this episode is packed with wisdom, actionable advice, and industry-shaping announcements.To obtain this week's Real Estate Notes Show guest Eddie Speed's information, use this link https://bit.ly/42efd6A**Never Miss a Live Show**, Add our Calendar to yours! Google - https://bit.ly/3Djr8GL Apple/Outlook - https://bit.ly/3Dhj9tyWe Buy Notes go to our site for more information! FAQs and Submit Your NoteWatch this video on Youtube: Watch VideoOur new Website Updated Tools, Resources, Bid Calculator, Education and over 100 assets for sale: https://www.jkpholdings.com/note-investor-educationYoutube Channel: https://www.youtube.com/c/JKPholdingsllc?sub_confirmation=1Upcoming Live Webinars: https://www.jkpholdings.com/webinarsDME (Diversfied Mortgage Expo) Note Conference Video Recordings - PurchaseSOCIAL MEDIAFB Group: https://www.facebook.com/groups/EastCoastDistressedNoteInvesting/Facebook: https://www.facebook.com/JKPHoldings/Linkedin: https://www.linkedin.com/company/jkp-holdings-llc#noteinvesting #mortgagenotes #investor #mortgagenote #realestate #realestateinvestor[00:00:00] Show Intro and Guest Update[00:03:00] Origins of a Note Investor[00:05:04] What Are Partial Notes?[00:08:04] Smart Entry into Note Investing[00:11:03] Importance of Networking in Notes[00:14:21] How Eddie Built a Community[00:17:19] Family Legacy Through Note Investing[00:20:16] Building an Inheritable Note Business[00:23:01] Be the Bank at NoteExpo[00:26:12] Seller Financing vs. Rentals[00:29:01] The Trouble With Subject-To Deals[00:32:02] Ethics and Pitfalls in Note Deals[00:34:47] What to Expect at NoteExpo[00:38:01] How to Network Effectively[00:41:06] Take Action on NoteExpo Today[00:43:26] The Future of Notes and Blockchain[00:45:42] Final Thoughts and Sign Off
Join Nick Lamagna on The A Game Podcast with his guest Josiah Grimes, a man behind the scenes playing pivotal roles in Sub2, Squad Up, Gator Method, Astroflipping and Keyglee! He is an entrepreneur, investor and educator who was a former athlete and introvert turned into a spectacular speaker and leader who could barely have enough confidence to order a pizza to interning for Cody Sperber with some bandit signs and some hope found success and confidence and now is in charge of some of the biggest real estate and financial education companies and communities through his company New Reach Education He is on a missoin to unlock financial freedom for millions through practical and actionable education and if that was NOT enough he is also the man behind Movable Type AI making YOU an author in hours or less using todays technology. He is a father, a very fun presenter always a keeps your interest in a conversation, a master mind brother and a former gymnast and most importantly he is our guest today! Topics for this episode include: ✅ Tips for selling your deals faster in a slow market ✅ Why a good training system is important for your business ✅ How to get out of feeling stuck and move toward your goals ✅ A great way to close a deal without spending money ✅ Beginner friendly tactics in the real estate business + More! See the show notes to connect with all things Josiah! Connect with Josiah: Josiah Grimes on Facebook Josiah Grimes on Instagram Josiah Grimes On LinkedIn Josiah Grimes on Youtube Josiah Grimes on Twitter Josiah Grimes on TikTok Connect with Josiah's Companies: Newreacheducation.com movabletype.ai --- Connect with Nick Lamagna www.nicknicknick.com Text Nick (516)540-5733 Connect on ALL Social Media and Podcast Platforms Here FREE Checklist on how to bring more value to your buyers
Join Nick Lamagna on The A Game Podcast with his guest Eric Brewer, The King of Novations and the originator of the now famous "Brewer Method!" He is a TRUE disruptor in the industry who ended up being one of the most respected real estate investors in the game. Fighting out of Pennsylvania after leaving behind a life in the military and in car sales he has taken away the excuse for others that they can't do tons of deals in a small local market. He has built an incredibly successful investing operation taking down various real estate assets through multiple strategies from flips, to wholesale, to creative finance deals and of course his crown jewel, Novations! He has turned his focus to expanding into other markets and even seeking strategic partnerships and is on a mission of expansion! He has built the confidence to grow his real estate business into other areas through proven systems and processes with a strong skillset in leadership and daily sales training on sharpening his acquisitions teams. His company, Ramp REI is making a name for themselves helping YOU sharpen your teams' skills so you can beat the competition and thrive as a real estate investor. Fantastic discussion with someone showing us that good guys can still WIN and you will not want to miss this episode. Go back in the vault and check out his first appearance as well for some killer real estate investing details! Topics for this episode include: ✅ How to know when your business is ready for scaling ✅ How to find rockstars to work for you ✅ How to adapt and pivot for any changes and regulations ✅ Tips to becoming a better leader for your business ✅ A great way to overcome fear and self doubt + More! See the show notes to connect with all things Eric! Connect with Eric Brewer: brewermethod.com Eric Brewer on Instagram Eric Brewer On LinkedIn Eric Brewer on Youtube Eric Brewer on Twitter Eric Brewer on TikTok Connect with RampRei: www.ramprei.com Ramp REI on Facebook Ramp REI on Instagram Connect with Integrity First Home Buyers: www.integrityfirsthomebuyers.com The Brewer Method on Facebook Integrity First Home Buyers on Facebook Integrity First Homebuyers on Instagram Integrity First Homebuyers on Youtube --- Connect with Nick Lamagna www.nicknicknick.com Text Nick (516)540-5733 Connect on ALL Social Media and Podcast Platforms Here FREE Checklist on how to bring more value to your buyers
Are you ready to stop making excuses and start closing deals? In this electrifying, two-part episode of the "Real Estate Entrepreneurs" podcast, Ricardo sits down with the one and only Uncle Charles for a no-holds-barred conversation on what it takes to win in real estate. Uncle Charles, a straight-talking veteran, argues that the market is never an excuse for failure. He shares how he's currently working on multiple deals—including "Subject To's," apartment complexes, and fractional interest—without making a single cold call. Learn why the post-COVID forbearance period has created a wave of new opportunities and how to find them. But the most groundbreaking part of the show is the exclusive announcement: the launch of REI AI, the world's first real estate AI GPT. Uncle Charles reveals how this new technology will revolutionize the industry by providing live data, instant deal analysis, and the ability to find and connect with buyers in any ZIP code with the click of a button. This episode is more than just a podcast—it's a masterclass in mindset, strategy, and innovation. Uncle Charles also opens up about his personal journey and his new book, focusing on the power of resolve and the mentality needed to bounce back from any setback. #RealEstateInvesting #REIAI #AIinRealEstate #Wholesaling #SubjectTo #RealEstatePodcast #UncleCharles #MarketShift #MindsetMatters #RealEstateEducation #DealMaking #WholesalingLive #RealEstateTips #InvestmentStrategy #ProductivityHacks #WealthBuilding #Entrepreneurship #RealEstateCommunity #REI #SuccessMindset
In Part 3 of our comprehensive 4-part series, we move from the 'why' to the 'how.' This episode is your practical guide to the most common and powerful seller financing strategies. We demystify the jargon and break down the mechanics behind "Subject-To" deals, Land Contracts, Lease Options, and more. By the end, you'll have a complete toolkit of creative structures to handle any deal that comes your way.Visit our website at www.TrueWealthInvestors.com for more real estate wisdom and resources. More Resources & LinksStruggling to get started in Real Estate or feel like you are struggling to get to the next level? Check out this Free Vision Casting Video to help clarify your goals and get specific steps to accomplish them!Schedule a 30 Minute Discovery Call with Chad Accelerate the growth of your business and reclaim control of your life! Are you tired of your business running you instead of the other way around? It's easy to get bogged down in the day-to-day operations, making it challenging to identify overarching challenges and solutions. Let's schedule a call to gain a strategic 10,000-foot perspective and devise a tailored plan for your success. Take the first step towards a business that not only thrives but also enhances your life! Connect with Chad on LinkedInFollow Chad on InstagramFollow Chad on YouTubeFollow True Wealth on FacebookBe sure to leave a rating & review to let us know how this show has helped YOU!
Jennifer and Joseph Delle Fave share how they left traditional careers behind to build a creative, cash-flowing lifestyle through smart investing, powerful relationships, and a passion-driven mindset. A must-hear journey of transformation and freedom.See full article: https://www.unitedstatesrealestateinvestor.com/from-cars-and-classrooms-to-cash-flow-the-bold-journey-of-jennifer-and-joseph-delle-fave/(00:00) - Introduction to The REI Agent Podcast(00:06) - Meet Mattias and Erica: A Holistic Approach to Real Estate(00:24) - The Value of Becoming the Go-To Person(05:56) - Welcome Jennifer and Joseph Delle Fave(06:32) - From Teaching and Cars to Real Estate Investing(07:53) - Early BRRRR Deals and Bank Roadblocks(10:26) - First Creative Finance Deal with "Bank of Steve"(13:01) - Lease Option Success Story and Exit Strategy(15:05) - Forecasting Property Value and Supporting Renters(17:35) - Credit Repair and Long-Term Plans(19:02) - Scaling Up with Multiple Strategies(20:21) - Going Full-Time and Replacing the W-2(21:58) - The Power of Relationships and Abundance Mindset(23:49) - Working with Agents Who Truly Show Up(26:01) - What Makes a Great Agent: Online Presence and Hustle(28:20) - Why Contractors and Teams Are Game Changers(30:22) - Google Reviews, Referrals, and Building a Village(33:04) - Defining BRRRR and the Risks(36:08) - Rising Interest Rates and Alternative Strategies(37:39) - Shifting into Creative Finance and Seller Solutions(39:48) - Subject-To vs. Wraparound Explained(42:51) - Real Examples of Creative Deals in Florida(44:24) - Coaching Agents to Pitch Seller Terms(46:38) - Custom Deal Structures that Serve Everyone(47:32) - A Complex Quadplex Deal with a Big Payoff(50:06) - How to Spot Value in the Interest Rate, Not Just the Property(52:12) - Favorite Books for Mindset and Strategy(53:19) - Where to Find Jennifer and Joseph Delle FaveContact Jennifer and Joseph Delle FaveCreative Finance Playbook--To learn more about creatively reaching your holistic wealth, go to reiagent.com
Join Nick Lamagna on The A Game Podcast with our guest Benmont Locker, a powerhouse in the real estate investing and coaching industry. He is a partner of Eric Brewer and Integrity First Home Buyers known as the authority in novations and master of many ways to take down hundreds of real estate deals! He is a builder of businesses, systems and processes for owners and entrepreneurs and a master integrator of putting these into action to make money. Fighting out of Pennsylvania and getting bit by the entrepreneur bug early on, he started out in the outdoor industry and ended up scaling it to 20 locations in 9 states before he sold what he coined as the, "Redneck TJ Maxx," for a profit. He learned marketing, sales and SOPs through this experience and when almost becoming a dentist or ski instructor he this one-time soccer player found his calling in real estate helping an investment company stabilize, profit and scale their business and from there things have escalated quickly and efficiently He is now the CGO of Integrity First Home Buyers where he has helped add an extra hundred deals a year! He now teaches investors just like you how to align strategy with targets, set clear goals and establish lucrative systems, processes, and operations through RampREI. He is a father, husband, photographer, dirt bike rider and our guest who drops a TON of content on this no fluff episode! Topics for this episode include: ✅ Systems and processes in business and real estate ✅ The importance of relationships for success in business ✅ How to overcome fear and failures in business ✅ How to choose a correct time frame for KPIs ✅ How novation creates conventional financing opportunities + more! Check the show notes to connect with all things Benmont and RampREI! Connect with Benmont: Benmont Locker on Facebook Benmont Locker on Instagram Benmont Locker on LinkedIn Benmont Locker on Twitter Benmont Locker on Youtube Benmont Locker on TikTok Connect with RampREI: www.ramprei.com Ramp REI on Facebook Ramp REI on Instagram Connect with Integrity First Home Buyers: www.integityfirsthomebuyers.com Integrity First Home Buyers on Facebook Integrity First Home Buyers on instagram Integrity First Home Buyers on LinkedIn Integrity First hHome Buyers on Youtube --- Connect with Nick Lamagna www.nicknicknick.com Text Nick (516)540-5733 Connect on ALL Social Media and Podcast Platforms Here FREE Checklist on how to bring more value to your buyers
William Tingle is an Investor, Coach, Speaker, and Author of “The 12 House Blueprint”, who, in 1999, ordered a Carleton Sheets Nothing Down Real Estate course off of a late-night TV infomercial to start his real estate investing journey.Exactly one year later, he left his job for good and started investing in real estate full-time.Since then, William has bought hundreds of houses across the US, most of them Subject To. He has also trained and coached thousands of students across the country to become financially successful real estate investors. William's Website: William Tingle – Learn Sub2 the RIGHT Way!
Send us a textEver wondered how top real estate investors acquire valuable properties without emptying their bank accounts or battling for traditional financing? Chris Prefontaine, founder and chairman of Smart Real Estate Coach, pulls back the curtain on Subject-To investing - a powerful strategy that's transforming how savvy investors build wealth across North America.Subject-To investing allows you to purchase properties "subject to" the existing mortgage, taking title while the original loan stays in the seller's name. This approach creates three distinct profit centers what Prefontaine has trademarked as the "Three Paydays" system: upfront deposits from tenant-buyers, monthly cash flow from the spread between what you pay and what you collect, and substantial profits at sale combining property markup with principal pay-down. The numbers are compelling - Prefontaine reveals that properly structured deals on properties worth $200,000+ can consistently generate six-figure profits.Despite its power, many newcomers hesitate due to concerns about due-on-sale clauses. Prefontaine dismantles this fear with both extensive experience (neither he nor his students have encountered this issue in thousands of transactions) and legal precedent, sharing how specialized attorneys have successfully defended these deals even in rare challenges. The key lies in proper documentation and working with legal professionals who understand the intricacies of these transactions.Beyond the mechanics, Prefontaine shares how his coaching organization has achieved remarkable success, increasing their community's deal-making metrics from 0.25 deals per student to 1.1 deals per student in 2024 - an accomplishment considered "unheard of" in the industry. His approach combines technical expertise with unwavering confidence, his personal "word of wisdom" that he believes drives success in every area of business and life.Ready to explore how Subject-To investing might transform your real estate portfolio? Visit WickedSmartBooks.com/DwanBent to receive Chris's bestselling books and additional resources completely free - his gift to podcast listeners. Thanks again for listening. Don't forget to subscribe, share, and leave a FIVE-STAR review.Head to Dwanderful right now to claim your free real estate investing kit. And follow:http://www.Dwanderful.comhttp://www.facebook.com/Dwanderfulhttp://www.Instagram.com/Dwanderful http://www.youtube.com/DwanderfulRealEstateInvestingChannelMake it a Dwanderful Day!
Join Nick Lamagna on The A Game Podcast with our guest Chris Zubrycki, a full-time investor friendly real estate agent and active Brazilian Jiu Jitsu black belt fighting out of Arizona by way of East Rochester NY! He has made a name for himself on being a valuable resource for real estate investors and has carved out a niche in probate! After graduating with high honors he moved to Chicago, IL and worked for Hewitt Associates & Health Care Service Corporation as a database administrator before finding his calling to the Phoenix-Metro area in 2001, where Chris started his real estate career. Having a white belt mentality with a black belt skill level not only on the mats but in life and business he recognized true intelligence is knowing you can always know more and has been on a never ending quest to educate himself on all aspects of real estate specifically learning about wholesaling, subject to and other creative finance deals. Chris realized there is a disconnect between many agents and investors and lack of understanding. He is now bridging the gap and helping not only homeowners but now investors find on-market deals and have a trusted realtor to help in their search who understands both sides. He also is making an am When Chris isn't helping his clients reach their real estate goals, he can be found teaching Brazilian Jiu-Jitsu at The MMA Lab Phoenix, AZ. Chris received his black belt in Brazilian Jiu-Jitsu from John Crouch in 2016 and trains alongside such legends as Benson Henderson. This is a great episode for investors to understand how to work better with agents, and how agents can work with investors. Topics for this episode include: ✅ How A Real Estate Agent Can Help An Investor With Probate Real Estate Deals ✅ How Investors Can Get Real Estate Agents On Their Side ✅ Why Constant Learning Is Important In Real Estate ✅ How Jiu Jitsu Can Help To Deal With People Better ✅ A Way To Deal With Clients Who Don't Agree With Your Price + More See the show notes to connect with all things Chris and The MMA Lab! Connect with Chris: www.bjj-broker.com Chris Zubrycki on Instagram AZ Probate Real Estate on Instagram BJJ Broker on Facebook Chris Zubrycki on LinkedIn Email chris@bjj-broker.com Connect with The MMA Lab: The MMA Lab on Instagram The MMA Lab on Twitter The MMA Lab on Youtube The MMA Lab on Facebook The MMA Lab on Tiktok --- Connect with Nick Lamagna www.nicknicknick.com Text Nick (516)540-5733 Connect on ALL Social Media and Podcast Platforms Here FREE Checklist on how to bring more value to your buyers
⭐ Join Rental Property Mastery, my community of rental investors on their way to financial freedom: https://coachcarson.com/rpm
In today's Wholesale Hotline (Astroflipping Edition), Jamil is joined by Nita Patel who shares how she transitioned from retail banking to full-time real estate investor by going all in. Show notes -- in this episode we'll cover: After attending her first mastermind in Phoenix, Nita completed her first Subject-To deal and now owns 30+ rental properties in Illinois, proving that creative finance can be a game-changer with the right support system. She opens up about the unique cultural challenges of being an Indian woman in business, how she pushed past limiting beliefs, and why personal development—not hustle culture—is what truly fuels her success. Nita emphasizes that real estate success starts within, crediting meditation, yoga, and energy work as the foundation of her mindset—spending hours each week on inner healing to manifest outer growth. A powerful example of generational change, Nita is raising two sons to value worth, independence, and emotional alignment—breaking cultural patterns and showing them what empowered leadership looks like. ➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖ ☎️ Welcome to Wholesale Hotline & Astro Flipping breakout
In this FamilyCast episode, I'm joined by Tim and Sandra Smith, a power couple from upstate New York balancing a demanding W-2, medical challenges, and real estate success. Tim and Sandra share their journey from doing deals the traditional way to successfully closing their first creative financing deal with the Wicked Smart® community despite all the life chaos happening behind the scenes. We talk about the systems that helped them close the deal, how they sourced a buyer using our in-house platform, and why they're excited about doing more rent-to-own deals instead of dealing with rental headaches. Plus, we share real, boots-on-the-ground insight into building something meaningful without having to go “full time” on day one. Key Talking Points of the Episode 00:00 Introduction 02:49 Tim and Sandra's background: real estate since the late '80s, nursing, and analytics 05:34 First creative deal: expired listing from MyPlusLeads 07:40 Seller motivation: first-time landlord overwhelmed by damage & eviction 09:52 Buyer marketing process: Craigslist, Facebook & Propsperity.io 11:27 Sifting through all the leads we generate from marketing properties 13:15 Their biggest aha: wait until after the viewing to pre-qualify the buyer 16:36 Structuring a 24-month rent-to-own term with the buyer 21:25 How they sold the deal before it even closed with the seller 22:21 Why you should join the QLS Live event in October 2025 24:03 Using Propsperity.io to automate tenant management 26:22 Words of wisdom: Don't wait for perfect conditions—just start Quotables “When you build the system once, it becomes rinse and repeat, and we're ready to do more.” “Everyone has life going on. But the Smiths didn't let it stop them—they found a way to keep moving forward.” “The buyer was a foster family. They needed space. And our structure gave them that opportunity when a bank wouldn't.” Links QLS Live https://qlslive.com Real Estate On Your Terms and Deal Structure Overtime https://wickedsmartbooks.com/podcast FREE Master's Class http://smartrealestatecoach.com/masterspodcast FREE Strategy Session with Chris Pre http://smartrealestatecoach.com/actionpodcast QLS 4.0 https://smartrealestatecoach.com/qlspodcast Investor Resources https://smartrealestatecoach.com/resources Apprentice Program https://smartrealestatecoach.com/apprenticepodcast In the Trenches Bootcamp https://smartrealestatecoach.com/ittbpodcast 3 Paydays Virtual Event https://smartrealestatecoach.com/3paydayspodcast REI Blackbook https://smartrealestatecoach.com/REIBB-DD 7 Figures Funding https://smartrealestatecoach.com/7figures-pod Propsperity.io https://propsperity.io
Discover Creative House Flipping—a game-changing investment strategy that merges creative real estate investing with house flipping to generate big profits with less risk.
On today's Wholesale Hotline (Subto Edition), Pace breaks down a real-life Subject-To deal in extreme detail, showing how he acquired a house with zero dollars out of pocket and turned a break-even rental into a $20K/year cash-flowing asset. Show notes — in this episode we'll cover: What made this property so prime for creative financing, what Pace said and how he pulled it off. Pace explains how expired listings (especially those bought between 2020-2022 with no equity) are a goldmine for Subject-To deals and how one of his students sourced this deal using the “Kevin Cho List” strategy. Full financial breakdown: $55K total capital (paid by a private money lender), monthly payments of $1,268 (mortgage) + $366 (private lender), and various exit strategies including wraps, lease options, and group homes that can 10X cash flow. By turning the home into a group home rental, Pace increases potential rent from $1,800 to $3,600/month, transforming a break-even property into one generating $1,800/month in net cash flow—proof of how exit strategy is everything in creative real estate. ➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖ ☎️ Welcome to Wholesale Hotline & Subto Breakout✌️✌️! ☎️ Need discounts and free trials!? Check this out for the softwares/websites/contracts/scripts/etc we use in our business: ✌️ https://shor.by/pace-youtube ✌️ ➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖
Investor Fuel Real Estate Investing Mastermind - Audio Version
Summary In this conversation, Christian interviews Virgilio Mateo, a seasoned real estate professional and co-founder of Dawn Ava Capital. Virgilio shares his journey from property management to full-time real estate investing, emphasizing the importance of creative financing strategies like subject to and wraparound mortgages. He discusses the operational strategies that help his team manage multiple projects across different markets, the significance of building trustworthy partnerships, and his vision for future business acquisitions in the blue-collar industry. The conversation highlights the challenges and rewards of real estate investing, the importance of networking, and personal development in achieving success. Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind: Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply Investor Machine Marketing Partnership: Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true ‘white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com Coaching with Mike Hambright: Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a “mini-mastermind” with Mike and his private clients on an upcoming “Retreat”, either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas “Big H Ranch”? Learn more here: http://www.investorfuel.com/retreat Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform! Register here: https://myinvestorinsurance.com/ New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club —--------------------
Real Estate Investing With Jay Conner, The Private Money Authority
In the ever-evolving world of real estate investment, flexibility and innovation often pave the way to success. One such innovative strategy that has gained traction among savvy investors is the "subject to" method. This approach allows investors to acquire properties by taking over existing mortgages, offering a unique blend of flexibility, speed, and opportunity. In this blog post, we delve into the insights shared by real estate expert William Tingle, as he discusses the nuances of creative financing in his conversation with Jay Conner.What is a "Subject To" Deal?A "subject to" deal is a real estate transaction where the buyer takes over the seller's existing mortgage without formally assuming the loan. In this arrangement, the mortgage remains in the seller's name, but the purchaser takes ownership of the property and continues making the payments. This strategy often bypasses the traditional financing process, offering an intriguing solution for both buyers and sellers facing unique situations.The Mechanics Behind the StrategyWilliam Tingle, an experienced investor who has completed over 500 subject-to transactions, emphasizes the simplicity and legal foundation of this approach. These deals hinge on understanding and navigating the due-on-sale clause, a standard component of mortgages since the 1980s. This clause gives lenders the option to demand full repayment if the property is sold. However, as Tingle highlights, this option is rarely exercised as long as the payments are made on time and the loan remains in good standing.The genius lies in the practicality — investors keep the payments current, ensuring the lender rarely has a reason to call the loan due. This method allows investors like Tingle to acquire properties even when traditional financing would be cumbersome or slow.Why Sellers Opt for "Subject To" DealsOne might wonder why a seller would agree to leave their mortgage in someone else's hands. Tingle clears up the misconception that only desperate sellers or those in financial distress consider this route. Many sellers choose the "subject to" method for its speed and convenience. Individuals facing relocation for personal or medical reasons might opt out of the lengthy selling process to avoid holding two mortgages. Others may have unique circumstances, like preserving their credit while avoiding foreclosure, that make this an appealing solution.The Role of Private MoneyCombining subject-to strategies with private money amplifies the financial flexibility available to investors. Jay Conner points out that creative financing doesn't end with taking over mortgages; it can extend to raising private money for property improvements or bridging the gap between acquisition and resale. This approach unlocks additional avenues for generating cash flow and leveraging opportunities in real estate markets.Building Trust in Creative FinancingTrust and transparency form the backbone of successful subject-to transactions. William Tingle underscores the importance of clear communication with sellers. By providing reassurance through testimonials and being upfront about potential risks, investors mitigate apprehensions and lay a solid foundation for collaboration. Tingle's business thrives on its track record and positioning as a reliable problem-solver, helping people navigate the complex landscape of real estate with confidence.The Bottom LineCreative financing, particularly through subject-to deals, offers an innovative path in real estate investing. For those equipped with the knowledge and creativity to harness this strategy, it can lead to lucrative opportunities and significant cash flow. William Tingle and Jay Conner's discussion highlights the potential within this method, encouraging investors to think outside the conventional realm and explore the advantages of creative financing
Is the future of Subject-To investing at risk? A major lawsuit in Arizona has real estate investors on high alert, and in this episode, we break down exactly what's happening. With an 81-page court filing full of shocking allegations, this case has echoes of past legal battles that shaped the industry. Are you running your business the right way—or could you be next? Tune in as we discuss the potential impact on creative finance, and how you can protect yourself as an investor. Key Takeaways: ✨The biggest mistakes investors make that put them at legal risk ✨Why full transparency with sellers is more critical than ever ✨How this case could change the way Subject-To deals are structured moving forward
Real Estate Investing With Jay Conner, The Private Money Authority
In a recent episode of the Raising Private Money podcast, Jay Conner, known as the Private Money Authority, hosted an inspiring session with Willie and Haruna Oyola. This husband and wife duo have successfully raised over $1,100,000 in private money for their real estate ventures, bypassing traditional banking routes. The conversation delved deep into their journey, their strategies, particularly buying properties subject to existing notes, and how they effectively leveraged private money to expand their portfolio.The Traditional Route vs. Private MoneyWillie and Haruna began their real estate journey in 2015 using conventional banking loans. These loans required substantial down payments and came with the stringent limitations set by banks. Eventually, they reached a point where the traditional method capped their growth potential. Discovering the world of private money through Jay Conner's podcast was a game-changer. Private lending offered flexibility and scalability, drastically different from the restrictive terms of traditional banks.The Journey to Raising Private MoneyThe Oyalas first educated themselves through Jay Conner's resources and soon attended a live Private Money Conference. This pivotal shift allowed them to break through significant barriers in raising private funds. Haruna played a crucial role by encouraging Willie to fully commit to the process. For newcomers interested in private money, the advice is straightforward: seek education and mentorship, as these can accelerate learning and execution in the field.How to Start: Networking and the Elevator PitchA crucial piece of advice shared by Willie and Haruna is the importance of networking and having a refined elevator pitch. An elevator pitch is a concise, compelling introduction to what you do, designed to spark interest in brief interactions. They emphasized the need to create a succinct pitch and leverage networking opportunities to share your goals and attract investors. This initial step is vital for anyone looking to raise private money.Understanding Subject-To DealsOne of the strategies that Willie and Haruna have effectively combined with private money is purchasing properties ‘subject to' the existing mortgage. This method allows investors to acquire properties without needing to secure new financing. It is particularly attractive when dealing with distressed sellers, as it provides a viable solution for them while offering favorable terms for the buyer.A Case Study: Maximizing Profit with Subject-To and Private MoneyThe Oyalas shared a compelling case study to illustrate the effectiveness of combining private money with subject-to-deals. They acquired a property with a high market value and a much lower existing mortgage at an advantageous interest rate. They supplemented this with private money to cover the seller's arrears, make necessary repairs, and provide the seller with some additional funds.This strategic use of private funds not only alleviated the seller's distress but also positioned Willie and Haruna to rent out the property by the room, targeting military personnel and contractors in their area. This approach ensures substantial positive cash flow, demonstrating the potential for high returns in similar deals.Conclusion: The Win-Win-Win ScenarioIn the world of real estate investing, combining private money and subject-to-deals presents a powerful avenue for growth and profitability. By educating people about private money and providing secure investment opportunities, Willie and Haruna created a win-win situation for all parties involved — the sellers, the private lenders, and themselves.For those eager to dive into real estate investing or to scale their existing operations, educating oneself, networking effectively, and leveraging innovative financing strategies could be the key to unprecede
Join Nick Lamagna on The A Game Podcast with our guest Jenn and Joe Delle Fave who are the founders of The Creative Finance Playbook! These real estate investing power houses come from a background of teaching and running car dealerships living in upstate NY who took a shot on themselves after a collapsed lung during the lockdown that led to a major business decision overcoming major obstacles and uncertainty to close their first deal and never look back! They are now full-time real estate investors, mentors, entrepreneurs and podcast hosts, now FIGHTING out of south Florida. They work from home and play from wherever they feel like it often seen on their incredible social media pages doing deals by the pool. After the bank cut them off from traditional mortgages they evolved into masters of creative finance doing Subject to, wraps, rent to own And mixes of many of these and now teach through their community and share success stories and information through their podcast of the same name known as The Creative Finance Playbook. They show investors just like YOU how to buy real estate without using traditional bank financing, relying on your credit, or needing tons of cash. Topics for this episode include: ✅ Top 10 questions to ask motivated sellers ✅ How to assess a property condition on virtual real estate deals ✅ Top ways to structure a lease option or rent to own transaction ✅ What strategy to use with subject to houses that need renovation ✅ How important is to have closing attorney when doing creative finance deals + More See the show notes to connect with all things Jenn and Joe ! Connect with Jenn and Joe: Jenn Delle Fave on Instagram joseph Delle Fave on Facebook Joseph Delle Fave on Instagram Jennifer Delle Fave on Facebook Jennifer Delle Fave on LinkedIn Jenn Delle Fave on Youtube Connect with Creative Finance Playbook: creativefinanceplaybook.com Creative Finance Playbook on Youtube Creative Finance Playbook on Instagram Creative Finance Playbook Community on Facebook Creative Finance Playbook on TikTok --- Connect with Nick Lamagna www.nicknicknick.com Text Nick (516)540-5733 Connect on ALL Social Media and Podcast Platforms Here FREE Checklist on how to bring more value to your buyers
Join Nick Lamagna on The A Game Podcast with our guest Corey Geary for a second round! Corey is a former blackjack dealer turned Real Estate investor and entrepreneur fighting out of Puerto Rico! He has overcome extreme financial, personal and professional obstacles over the years to come out on top and battle hardships and addictions to now be known as one of the most innovative and sought after investors and educators in the nation As many entrepreneurs attempt to pivot, some learn a formula for success and are able to repeat the process in multiple asset classes and Corey has done exactly that. He went from being known as one of the top authorities in Novations where he founded Novation Nation and has since restructured his entire business and focus to crypto bringing along such legends of the game such as Robert Allen alongside his group known as Defi Crypto Alliance! Topics for this episode include: ✅ How to make money with crypto for beginners ✅ How to turn addictions into positive habits ✅ Is it better to buy big or small coins in crypto ✅ Mental tricks to breaking bad habits ✅ Producticity Hacks + More See the show notes to connect with all things Corey and Defi Crypto Alliance ! Connect with Corey: www.novationnation.com Corey Geary on Facebook Corey Geary on Instagram Corey Geary on Twitter Corey Geary on Youtube Corey Geary on TikTok Connect with Defi Crypto Alliance: Defi Crypto Alliance on Youtube --- Connect with Nick Lamagna www.nicknicknick.com Text Nick (516)540-5733 Connect on ALL Social Media and Podcast Platforms Here FREE Checklist on how to bring more value to your buyers
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