What Cities Have The Hightest Mortgage Delinquency Rates in America?

What Cities Have The Hightest Mortgage Delinquency Rates in America?

Author: Scott Carson December 12, 2025 Duration: 16:15

🚨 WARNING: Mortgage Distress is SOARING! 🚨 Scott dives deep into alarming new data from WalletHub, revealing a shocking truth: 1 in 11 Americans with a mortgage is in distress, 90 days or more behind on payments! This isn't just a national trend; it's intensifying, with an unsettling 5% increase in just one quarter. Even more surprising? Eight of the top 25 most distressed cities are right here in the Lone Star State – and the #1 city will absolutely astonish you!


In this must-watch episode, Scott breaks down the WalletHub report, pinpointing which cities are struggling the most, why these numbers are skyrocketing, and what it means for YOU as a real estate investor. From Laredo's staggering 24% delinquency rate to unexpected surges in major California and Florida markets, this data is critical for understanding where to find your next distressed property deal. Don't get caught off guard – learn where the opportunities are emerging and how to adapt your strategy to profit from these shifting market dynamics!


  • 1 in 11 Mortgages Distressed: Uncover the alarming national average and quarterly increase in mortgage delinquencies, indicating a growing wave of distress.
  • Texas on the Edge: Discover which Texas cities, including Laredo (#1 overall!), El Paso, Lubbock, San Antonio, and Houston, are experiencing significant mortgage distress.
  • Top 10 Most Distressed Cities: A breakdown of the nation's highest mortgage delinquency rates, from Detroit to Newark, and what drives their financial struggles.
  • Fast vs. Slow Foreclosure States: Understand how different state foreclosure laws (judicial vs. non-judicial) impact the speed and opportunity in distressed markets.
  • Unexpected Surges & Drops: Analyze surprising quarterly increases in delinquency rates in cities like Irvine, California, and Tampa, Florida, alongside places where rates are improving.


The market is shifting, and understanding these trends is key to smart investing. Whether you're a fix-and-flipper, note investor, or exploring other strategies, this episode provides invaluable insights into where distress is concentrated and how to position yourself for success. Don't wait – the time to act is now!


Watch the Original Video of this Episode HERE!


CLICK HERE TO GET THE LINK TO THE ARTICLE


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!


Join the Note Closers Show community today:


Get Signed Up For the Next Note Buying Workshop HERE!


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: 100

The Note Closers Show - The #1 Podcast for Note Investing
Podcast Episodes
How To Make An Infinite Return Arbitraging Note Deals [not-audio_url] [/not-audio_url]

Duration: 33:31
Are you tired of the "dark side" of real estate—dealing with toilets, tenants, and trash? In this episode, Scott Carson, "The Note Guy," pulls back the curtain on a real-world case study in Texarkana to show you how to b…
INVESTORS WANTED: Playing Monopoly with Distressed Deals [not-audio_url] [/not-audio_url]

Duration: 13:53
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 SALE: Surprises From 76 Texas Owner Financed Notes Tape Breakdown [not-audio_url] [/not-audio_url]

Duration: 48:42
Navigating the Wild West of Texas Note Deals: Red Flags & Real ReturnsHave you ever been sent a deal that looks too good to be true, or perhaps just a little... "off"? In this special edition of Note Night in America, we…
How To Find Great Note Deals in 2026: Bank and Owner-Financed Notes [not-audio_url] [/not-audio_url]

Duration: 52:40
Stop Chasing "Dead Wood": The Modern Strategy for Real Estate Note InvestingThe real estate market is shifting, and for note investors, the old ways of finding deals are quickly becoming obsolete. In this episode of Note…
How to Leverage a Virtual Assistant For Your Note Investing [not-audio_url] [/not-audio_url]

Duration: 37:42
The Secret Weapon for Scaling Your Real Estate BusinessAre you a "solopreneur" working a demanding nine-to-five while trying to build a real estate empire in the margins of your day? Most part-time investors find that ma…
Hold or Sell?  What To Do With A North Carolina Nonperforming Note [not-audio_url] [/not-audio_url]

Duration: 17:27
Whether you are a seasoned real estate pro or a newcomer looking for a high-yield entry point, nonperforming notes (NPNs) offer a unique "backdoor" to property ownership. In a recent episode of the Note Closers Show, Hol…
Why You Can't Be Afraid to Make Mistakes [not-audio_url] [/not-audio_url]

Duration: 25:11
Stop Being Scared: Why Mistakes Are Your Secret Weapon in Note InvestingLet’s be real: the fear of "screwing up" is the number one killer of real estate dreams. We’ve all heard those "gurus" on stage claiming that if you…
Note Buying Strategies: How to Analyze 1,300+ Owner-Financed Notes [not-audio_url] [/not-audio_url]

Duration: 1:14:54
Mastering the Tape: Strategies for High-Volume Note InvestingWelcome to a special edition of Note Night in America! It is hard to believe that 2026 is already nearly a sixth of the way through. Time flies when deals are…
Why You Have To Rinse & Repeat Your Marketing to Raise Capital [not-audio_url] [/not-audio_url]

Duration: 39:16
Maximize Your Reach: The Power of Repurposing ContentIn this episode, Scott Carson breaks down the "Rinse and Repeat" method, a marketing strategy used by global giants like McDonald's to stay top-of-mind with their audi…