12.8% ROI Performing Note Deal: Mesquite, TX Hard Money Loan Case Study

Looking for a low-risk, high-yield opportunity to deploy your capital or retirement funds? In this episode of The Note Closers Show, Scott Carson breaks down a lucrative, short-term performing hard money loan right outside the thriving Dallas-Fort Worth metroplex in Mesquite, Texas! With a massive equity cushion, a strong 650-FICO borrower making 20% down, and a 49% Investment-to-Value (ITV) position, this short-term first lien note offers an incredible double-digit return over an 8-month hold period.Whether you’re looking to get lazy money off the sidelines or want to see how real note investors calculate real returns and structure low-LTV deals, this case study is packed with practical numbers and actionable strategies!Detailed Episode Bullet PointsProperty & Location Profile: A 1,854 sq. ft., 3-bed/2-bath single-family home (built in 1998) located in Mesquite, Texas—a high-growth corridor just east of Dallas along I-30.Valuation & Equity: Current fair market value sits between $318,000 and $320,000. The unpaid principal balance (UPB) is just $156,800, placing your investment at a remarkably safe 49% Loan-to-Value/ITV.Loan Structure: 1-year interest-only loan at 13% interest, generating $1,699/month in passive cash flow. Originated in April 2026 and maturing in May 2027 with a strong payment track record.Return Calculations: Total investment of $158,368 yields $13,005.92 in remaining cash flow over 8 months, resulting in an annualized return of 12.87%.Borrower Credentials: The rehab investor put 20% down into the property, holds a 650 credit score, and is actively rehabbing multiple DFW properties.Downside Protection & Exit Strategies: If the borrower defaults, Texas offers a fast <90-day foreclosure timeline. Investors can either get paid out in full at auction or negotiate a Deed-in-Lieu / Cash-for-Keys to acquire a high-equity property well below market value.Due Diligence Process: Essential steps including verifying rehab progress photos, double-checking comps, reviewing the loan collateral file, and pulling title.The Next StepsWhy let your money sit on the sidelines losing purchasing power when you can earn 12%+ on short-term, low-LTV real estate debt? If you’re ready to jump on this Mesquite deal, partner up, or explore other performing and non-performing notes, reach out directly!📩 Email Scott: [email protected]📅 Book a Call: talkwithscottcarson.com🎟️ Join the Virtual Note Buying Workshop (August 29–30): Register for just $99 at notebuyingfordummies.com!Go out, take some action, and we’ll see you at the top!Watch the Original VIDEO HERE!Got Questions? Book a Call With Scott HERE!Connect with Scott on LinkedIn here! Use Scott's AI Clone HERE!