How to Get a Double-Digit ROI with Performing Mortgage Notes Under $50k

How to Get a Double-Digit ROI with Performing Mortgage Notes Under $50k

Author: Scott Carson June 25, 2026 Duration: 8:20

Welcome back, real estate investors! Ready for a steady base hit to add to your portfolio? In today’s episode of our 50 Note Deals in 50 Days series, host Scott Carson breaks down an incredible performing note deal located just 45 miles south of San Antonio in Charlotte, Texas. If you think you need millions of dollars to start buying notes, think again. This episode reveals how a small-balance investment can yield massive equity protection and double-digit returns.


Key Topics Covered

  • The Power of Asset Equity: This updated 1970 single-family home sits on nearly an acre of land and is valued at over $220,000, but has a tiny loan payoff balance of just $34,000—giving the borrower a massive 85% equity stake.
  • Strong Performance History: Though it was once a non-performing loan, the owner-occupied borrower has been back on track and paying consistently on time for over 12 months.
  • The Investment Breakdown: Learn how purchasing this note at an 80% discount (around $28,000 including fees) generates a strong 14%+ annual cash-on-cash return via passive monthly cash flow.
  • First-Lien Security in Texas: Discover why the legal protections of a first-lien position in Texas make this a safe, high-upside play if the borrower ever defaults or opts for a cash-out refinance.
  • Perfect for Self-Directed IRAs: Why small-balance notes under $50,000 are the ultimate hands-off, turnkey starter strategy for Roth IRAs, traditional IRAs, or Solo 401(k)s.


Conclusion & Next Steps

Don't let your investment capital sit idle this summer. Whether you want to purchase a performing asset or fully master the note buying industry, taking action is your next step. Ready to submit an offer or learn more?

To learn the ins and outs of the business, grab your $99 seat for the upcoming two-day workshop on August 29th & 30th at NoteBuyingForDummies.com. Go out, take action, and we’ll see you at the top!


Watch the Original VIDEO HERE!


Book a Call With Scott HERE!


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


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


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Scott Carson brings his deep experience as a seasoned investor directly to you in The Note Closers Show-The #1 Podcast for Note Investing. This isn't about general real estate chatter; it's a focused dive into the specific, often overlooked niche of note investing. Each episode is built on the practical premise of acquiring control of real estate assets at significant discounts, not through traditional property management, but by understanding and investing in the debt behind them. You'll hear Scott break down complex strategies into actionable steps, sharing the nuances of evaluating, purchasing, and profiting from mortgage notes. The discussions are geared toward investors and entrepreneurs who are serious about expanding their portfolio options beyond conventional methods. Tune in for candid conversations about market trends, due diligence, risk assessment, and the real-world stories of deals that worked and those that didn't. This podcast serves as a direct line to advanced tactics and foundational knowledge, all aimed at building your confidence in this unique segment of the investment world. If you're looking to move past theory and into the practical mechanics of building wealth through notes, Scott Carson provides the roadmap in every episode.
Author: Language: en-us Episodes: 50

The Note Closers Show - The #1 Podcast for Note Investing
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