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Note Night in America

Note Night in America

By: The "Note Guy" Scott Carson
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Unlock Six Figures & Beyond in Distressed Debt Investing.

Welcome to "Note Night in America," the essential weekly podcast for savvy real estate investors worldwide! Every Monday night, a global community tunes in live with host Scott Carson, CEO of WeCloseNotes.com, to master the niche world of note investing and distressed debt.

Since 2010, Scott has mentored the "Who's Who" in the note industry, helping investors close on thousands of deals and providing the specific coaching needed to build a successful real estate business.

What We Cover (Topics & Keywords):

  • Finding Deals: Learn insider tips and tricks for sourcing nonperforming, performing, residential, commercial, owner-financed, or institutional paper.
  • Raising Capital: Master the art of private funding, including strategies for finding Self-Directed IRA (SDIRA) investors using county record hacks.
  • Marketing: Effective strategies for marketing your business to attract sellers and capital partners.
  • Workouts & Due Diligence: Navigate complex situations like foreclosures, loan modifications, and legal compliance.
  • Expert Interviews: Weekly interviews with attorneys, loan servicers, vendors, and top industry experts.
  • Motivation & Mindset: The mental toughness required for entrepreneurial success and making six figures and beyond.

Meet Your Host: Scott Carson

A 20-plus year veteran as a real estate investor and entrepreneur, Scott is a multiple award winning educator and podcaster, and a media favorite, featured in The Wall Street Journal, Inc.com, Investors Business Daily, and hundreds of conferences, podcasts, and real estate clubs across the country. He brings honest, no-bull experience to help you reduce your learning curve and maximize the learning process.

Join the Tribe:

  • Listen Live: Register for the live weekly webinar at http://NoteNightinAmerica.com.
  • Scott's AI Clone: Ask questions and get answers at http://ScottClone.com
  • Watch Replays: Catch video episodes at http://WeCloseNotes.tv.
  • Free Book: Download Scott's free book at noteblueprint.com.
  • Connect: Schedule a one-on-one call with Scott at http://TalkWithScottCarson.com.

Subscribe now and start your journey to financial freedom through debt investing!

Copyright © 2018-2026 Scott Carson, We Close Notes, Inc | All rights reserved Career Success Economics Management & Leadership Personal Finance
Episodes
  • Everything You Need To Know About Using Reverse Mortgages with Cheryl Scheidell

    Everything You Need To Know About Using Reverse Mortgages with Cheryl Scheidell
    5 Oct 2026

    Are you sitting on a goldmine of home equity but struggling with monthly cash flow, medical expenses, or credit card debt in retirement? In this episode of The Note Closers Show, host Scott Carson sits down with Cheryl Schwidel, a seasoned reverse mortgage specialist with over a decade of experience at Baird Financial Group. Together, they demystify the Home Equity Conversion Mortgage (HECM) and expose why reverse mortgages are one of the most underutilized wealth-preservation tools for senior homeowners today.


    Cheryl breaks down the nitty-gritty mechanics of how reverse mortgages work—from paying off existing mortgages to eliminating monthly payments and providing lump-sum cash, fixed tenure distributions, or growth-yielding lines of credit. Whether you are a homeowner aged 62 or older, a family member looking to protect an inheritance, or an investor seeking clarity on real estate equity, this conversation delivers actionable, expert guidance on navigating retirement assets with confidence.


    Key Topics Covered:

    • Reverse Mortgage Fundamentals: How a HECM turns accumulated equity into monthly cash flow by replacing traditional 30-year amortization with flexible balance growth.
    • Qualification & Age Rules: Why at least one homeowner must be 62+ (or 55+ for proprietary programs) and how age influences your principal limit and loan-to-value ratio.
    • Payout Strategies: Navigating lump sums, tenure monthly payouts, and lines of credit featuring compounding 12-month growth rates.
    • Credit & Income Flexibility: Qualifying with credit scores as low as sub-500 by focusing on 2-year tax, insurance, and HOA payment histories rather than strict FICO cutoffs.
    • Reverse Mortgage for Purchase (H4P): Utilizing reverse purchase loans to downsize, relocate out-of-state, or acquire primary residences without taking on new monthly mortgage obligations.
    • Heirs, Estate Planning, & Probate: What happens when borrowers pass away, options for beneficiaries (refinancing vs. selling within 12 months), and the critical need for trusts and POAs.
    • Second-Position Reverse Mortgages: Leveraging proprietary reverse loans in second position to extinguish high-interest debts while keeping low-rate primary mortgages intact.


    Don't let market confusion or common misperceptions keep you from leveraging the equity you've worked a lifetime to build. Tune in now to learn how to turn your home into a stress-free financial safety net!


    Watch the Full Video HERE!


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

    • Here’s How »


    Join Note Night in America community today:

    • WeCloseNotes.com
    • Scott Carson Facebook
    • Scott Carson Twitter
    • Scott Carson LinkedIn
    • Note Night in America YouTube
    • Note Night in America Vimeo
    • Scott Carson Instagram
    • We Close Notes Pinterest
    Show more Show less
    51 mins
  • Q4 Note Buying Playbook: Capital Raising, Asset Managers & Marketing

    Q4 Note Buying Playbook: Capital Raising, Asset Managers & Marketing
    28 Sep 2026

    As Q4 approaches, banks and special asset managers become highly motivated to offload performing and non-performing mortgage notes off their balance sheets. If you want to capitalize on this upcoming surge of inventory, you cannot wait until January to start marketing—you must prepare your pipeline right now.


    In this episode of The Note Closers Show, host Scott Carson shares the 5 essential steps you need to take over the next 90 days to position your note business for maximum success. Whether you are balancing a full-time job, looking to scale your active deal flow, or raising private capital, Scott breaks down low-cost, repeatable action items to keep your funnel full and convert leads into deals.


    Key Topics Covered:

    • Capitalizing on the Q4 Asset Surge: Why banks offload inventory between September and March, and how to position yourself to capture these discounted tapes.
    • Budget-Friendly Local Networking: Using BNI groups and local real estate clubs to prime the pump, raise capital, and build referral networks—even in smaller or rural markets.
    • Consistent Database Marketing: Why your database is your most valuable asset, how to avoid lost contacts, and why 80% of sales occur after the fifth touchpoint.
    • Asset Manager Outreach & Re-engagement: Utilizing tools like LinkedIn and Octopus CRM to stay top-of-mind with secondary marketing managers and seller tapes.
    • Targeting Niche Capital Sources: How to market directly to self-directed IRA investors and leverage foreclosure lists to source deal-level funding.
    • REO & Note Exit Strategies: Evaluating wholesale deals versus owner financing, avoiding multi-party deal complications, and using RMLOs for regulatory compliance.
    • Time Management & Consistency: Setting up automated daily workflows for busy investors juggling full-time jobs, local networking, and due diligence.


    Stop sitting on the sidelines hoping for deals to fall into your lap. Take control of your calendar, plant your marketing seeds today, and prepare your business for a profitable fourth quarter!


    Watch the Video HERE!


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

    • Here’s How »


    Join Note Night in America community today:

    • WeCloseNotes.com
    • Scott Carson Facebook
    • Scott Carson Twitter
    • Scott Carson LinkedIn
    • Note Night in America YouTube
    • Note Night in America Vimeo
    • Scott Carson Instagram
    • We Close Notes Pinterest
    Show more Show less
    45 mins
  • How to Build a First-Lien Private Lending Portfolio as a Digital Nomad with Harley Green

    How to Build a First-Lien Private Lending Portfolio as a Digital Nomad with Harley Green
    21 Sep 2026
    Are you chasing double-digit returns on mortgage notes only to risk losing your principal in a second-lien wipeout? Would you like to still invest while traveling the world? Then this is the episode you'll want to take some notes on! In this episode, Scott Carson sits down with former defense software engineer turned international digital nomad Harley Green, founder of InvestAway. Broadcasting live from Antigua, Guatemala, Harley shares how he transitioned from active house flipping and corporate 401(k) management to managing over $5M in first-lien private real estate debt in just a few hours a week. Harley pulls back the curtain on common pitfalls self-directed IRA (SDIRA) and passive investors face in today's shifting housing market. He breaks down why junior debt positions carry extreme risk, how to evaluate real-world After Repair Value (ARV) cushions, and how he leverages an lean tech stack with AI-driven underwriting to scale a private lending business without hiring a massive corporate team. Scott and Harley also explore co-lending structures that yield 15% annualized returns, extension terms that prevent defaults, and key markets in the Southeast. The Dangers of Second-Lien Notes: Why junior positions get wiped out in bankruptcy or foreclosure when first liens balloon with legal fees. Transitioning Corporate Wealth: Rolling 15 years of defense industry 401(k) funds into self-directed IRAs to become the bank. The High-Yield Sweet Spot: Structuring 4- to 9-month short-term fix-and-flip loans across single-family and small multifamily assets. Underwriting & Risk Protection: Capping maximum loan-to-value at 75% of ARV and managing extended days on market in softer regions. Southeast Growth Markets: Why markets in Tennessee, Alabama, Georgia, and Kansas City offer ideal entry-level inventory for flipping. AI & Tech Operations: Utilizing custom AI agents to scrub title commitments, flag errors, and manage borrower updates with a single virtual assistant. Passive Co-Lending Structures: How passive SDIRA investors can earn 15% annualized net returns backed by first-position real estate. Borrower Retention & Legal Compliance: Partnering with specialized private lending attorneys instead of relying on title companies or generic templates. Stop chasing high-risk yield and learn how to secure your capital as a first-lien private lender! Connect with Harley Green directly by visiting investaway.co or searching for Harley Green on LinkedIn! Have questions about setting up first-position private notes, analyzing deal collateral, or putting your SDIRA funds to work? Book a strategy call directly with Scott at talkwithscottcarson.com! 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 real estate investors!Watch the Original VIDEO HERE!Love the show? Subscribe, rate, review, and share!Here’s How »Join Note Night in America community today:WeCloseNotes.comScott Carson FacebookScott Carson TwitterScott Carson LinkedInNote Night in America YouTubeNote Night in America VimeoScott Carson InstagramWe Close Notes Pinterest
    Show more Show less
    27 mins
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