Are you chasing double-digit returns on mortgage notes only to risk losing your principal in a second-lien wipeout? Welcome back to The Note Closers Show Podcast!
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!
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