Our team specializes in bolstering financial security through real estate investments. With a foundation in Business Administration from Brigham Young University, we've mastered the craft of providing alternative financing solutions that offer stability beyond traditional markets.

Co-hosting the Master Your Millions Podcast, we're dedicated to sharing insights on wealth management and real estate mastery. Our core competencies in sales, residential and commercial real estate, fuel our commitment to educate and empower others in navigating financial landscapes.

Need a conventional loan? Hard money loan? Reach out!

Scott Henderson

Which is better for you: residential or commercial real estate?

If your goal is long term financial growth, that question isn't as simple as it sounds.

Most people pick what's familiar. They hear "real estate" and think house flipping, rentals, or their cousin's duplex.

But commercial real estate is a different game. More risk, higher entry point, but potential for bigger returns and passive income. Residential is approachable, sometimes quicker, and can build confidence and experience.

What most new investors miss is this: You don't have to pick just one. It's about strategy, not either-or.

When I first started, I leaned into what I understood, but as my expertise grew, I saw doors open in both worlds. The trick is knowing your risk tolerance, your access to capital, and your willingness to learn.

Are you building a portfolio for stability, or for growth? Are you looking for hands-on involvement, or a path to more passive income?

The right choice depends on your goals, not the latest headlines.

Want to talk through which path fits your situation? I'm always here to help.

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What “fun money” do you want to switch for “investing money” this month?

future you

henderxcapital

Co-Founder | Cashflow, Stability, Real Estate Expert

Don't buy yet. Wait for the perfect time. Prices will drop, right?

This is what a lot of first time real estate investors tell themselves.

But here's the truth: The "perfect time" rarely arrives. And while you're waiting, the market keeps moving, prices keep climbing, and opportunities slip away.

Over the years, I've watched too many people sit on the sidelines. They wait for interest rates to fall, for one more market dip, for the stars to align.

Meanwhile, those who take action see their net worth grow. They learn from their first deal, make connections, and build momentum that can't be taught in a classroom.

Let's put some numbers to it. Imagine you waited three years hoping for prices to drop, but the market went up 8 percent a year. That's more than 25 percent growth you missed out on, just by waiting.

Here's what most people miss: Time in the market almost always beats timing the market. Education is important, but hesitation will cost you more than any "bad" deal.

You don't get rich by waiting for the right moment. You get rich by starting, learning, and growing from the experience.

The best time to start was yesterday. The second best time is today.

Thinking about getting started, but not sure how? Let's talk.

There's a reason the wealthiest people in the world keep coming back to real estate.

Stocks are flashy. They're on the news every night. The highs are thrilling, but the lows? They keep people up at night.

Here's what I've learned after years in the field...

Real estate doesn't just bounce around on a chart. It provides something stocks rarely do: stability.

Take a tough market cycle. While portfolios shrink and Wall Street panics, a well-positioned property keeps generating cash flow. Tenants pay rent. Buildings hold value. It's not immune to risk, but it's a shield most people overlook.

Why does this matter?

Because financial security isn't about chasing every trend or hoping for a lottery win. It's about building a strong foundation. Brick by brick, door by door.

The best part? You don't need to be a millionaire to start. There are creative financing options. Ways to partner, borrow, or buy that most people never hear about.

If you're tired of rollercoaster markets and want to talk about safer, more predictable paths to wealth, let's connect.

Real estate isn't just for the few. It's for anyone ready to take control of their financial future.

Most people think building wealth in real estate is about timing the market or landing a lucky deal.

That's not it.

Real estate isn't a lottery ticket, it's a long game.

The real key? It's all about mindset.

Instead of chasing quick wins, the most successful investors focus on stability, steady growth, and solving real problems for others. They prioritize cash flow properties, smart financing, and partnerships that make sense.

I've seen people with average incomes build lasting wealth just by changing how they look at deals. They think bigger, focus on adding value, and stick to proven principles.

You don't need to be the smartest person in the room. You just need to be consistent, keep learning, and make decisions based on facts, not hype.

If you're tired of guessing or waiting for the next "perfect" moment, shift your mindset. Start looking for opportunities to create value now.

That's what separates the real players from the crowd.

The wealthiest people I know didn't get lucky, they got disciplined.

Ever had a bank slam the door on your financing?

It's a story I hear all the time.

You find the perfect property. Do your homework. But when you walk into the bank, they say no. Maybe it's timing, credit score, the property's condition, or just one of those mysterious decisions that leaves you frustrated and stuck.

Here's what most people don't realize: 

Banks are only one way to fund deals, not the only way.

Alternative financing can be a game changer, especially when "traditional" rules you out.

Hard money loans, private lenders, creative seller financing, partnerships... these tools don't just save deals, they create opportunities others miss. They're fast, flexible, and can make the difference between watching opportunities pass and actually closing them.

I've seen clients unlock multi-property portfolios just by opening up to these options. 

The process isn't as intimidating as it sounds. With the right partner, alternative financing is straightforward, transparent, and can give you an edge when the perfect deal comes along.

If you keep hearing "no" from banks, it might be time to start asking a different question: What else is possible?

If you want a breakdown of how to leverage these strategies or need help with a deal now, reach out. I'm here to help.

I used to think real estate was just about buying and selling properties.

Turns out, it's much bigger than that.

Most people see real estate as a quick way to make money or just a place to live. They chase trends, flip houses fast, and hope for easy wins.

But that's not how real wealth is built.

The real value of real estate is in its stability. It's an asset that works quietly in the background, growing while you sleep. It offers something the stock market can't always promise , predictability, control, and the power to leverage.

Here's what most folks miss:
- You don't need to be a millionaire to get started. Smart financing can open doors, even if you're not a traditional investor.
- Real estate protects against inflation. As prices rise, so does the value of your property and the rent you collect.
- It gives you options. Whether it's residential, commercial, or creative financing, there are ways to build a path that fits your goals.

I've seen the difference this makes,in my own journey and in others I've helped. People who focus on long-term strategy, not just quick flips, end up with lasting wealth. They sleep better at night, knowing they've built something real.

If you want to move beyond uncertainty, stop chasing trends, and finally get control of your finances, start looking at real estate differently.

It's not about fast money. It's about lasting security.

Ready to see what's possible?

Most people think real estate guarantees financial security.

But that's not the whole story.

I've seen investors jump in, expecting immediate stability just because they bought property. But true financial security in real estate is never automatic.

Most overlook the basics:
- Are you buying in the right market?
- Is your financing flexible if the market shifts?
- Do you have a backup plan if tenants leave or rates climb?

Financial security doesn't come from simply owning a building. It's built from having strong fundamentals, strategic financing, and a willingness to adjust when the market changes.

The secret? Always prepare for the unexpected. Don't just focus on best-case scenarios. Plan for the tough ones too.

The most stable investors I know constantly stress-test their portfolios. They ask, What if vacancy rates double? What if cash flow dries up? They find answers before trouble starts.

Real estate wins come from preparation, not luck.

Chasing financial safety? Look beyond the property. Focus on your plan, your numbers, and your ability to pivot.

That's how you actually build security that lasts.

Want an edge in real estate investing?

Most investors focus on location, price, or curb appeal. Those matter.

But there's another skill that quietly separates the winners from everyone else: reading financial statements.

It sounds boring. But it's where you see the truth behind the numbers:

You spot overpriced properties before others do.
You see hidden costs and risky cash flows.
You find underappreciated gems others overlook.

I learned this after passing on a property that looked perfect on paper. But after digging into the statements, the math didn't add up. The expenses were rising every year, and tenant turnover was a silent cash drain.

Six months later, that "perfect" property became a cautionary tale in a local investor group. I dodged a bullet.

If you want to master real estate, get comfortable with the statements. Ask questions. Dig deep. Don't take surface numbers at face value.

The best deals often hide in plain sight, but the story is always in the statements.

How comfortable do you feel reading a financial statement? What's the biggest mistake you've seen from overlooking the details?

Most people think you need huge capital, perfect credit, and years of experience to get started in real estate investing.

But the truth is, alternative financing options are changing the game.

I've seen first-time investors, with modest savings and limited credit history, close deals and start building wealth. Why? Because they looked beyond the banks.

Hard money loans. Private lenders. Creative seller financing. Partnerships.

Each of these can lower the barriers that keep so many on the sidelines.

The key isn't just knowing these tools exist. It's knowing how and when to use them.

I've spent years watching newcomers succeed by leveraging the right financing at the right moment. You don't have to wait for perfect conditions.

If you've been waiting for a sign to get started, this is it.

Start where you are. Explore every option. Real estate isn't just for insiders.

The biggest hurdle is taking the first step.

Most people think real estate is all about getting rich quick.

Here's what they're missing...

Real estate isn't just about flipping houses or chasing big paydays. The real power is in stability and long-term security.

When the stock market gets shaky, a solid piece of property doesn't flinch overnight. That's why experienced investors keep real estate in their portfolio , it works when other assets don't.

But here's the catch:
It's not enough to buy just any property. Understanding the right financing options, reading the numbers, and knowing when to hold or move is what separates the pros from the crowd.

It's about creating a financial safety net for your family, not just chasing a headline.

In my experience, education and the right team make all the difference. Whether it's your first rental or your fiftieth deal, clarity on the basics beats hype every time.

If you want to explore how real estate can bring real security, not just quick wins, you're thinking smarter than most. That's where true wealth starts.

If you want to get into real estate, the dumbest thing you can do is become a realtor.

Asset depletion loans are wildly underused

Everyone chases the next hot property.

But before you jump in, there are 3 financial red flags you can't afford to ignore.

First, unclear cash flow projections. If the numbers feel fuzzy or optimistic, step back. Solid investments run on real data, not wishful thinking.

Second, hidden or underestimated expenses. Maintenance, taxes, insurance, vacancies... if these aren't detailed and realistic, you're likely setting yourself up for surprises.

Third, overleveraged financing arrangements. If the loan terms seem too good to be true, or the debt load stretches your comfort level, it's time to rethink. Real estate can open doors, but the wrong financing can slam them shut just as fast.

I've seen these same traps trip up new and seasoned investors alike.

If something feels off, trust your gut and dig deeper.

Because in real estate, protecting your downside is just as important as chasing the upside.

We created a family trust that acts like a bank, letting our kids borrow against whole life policies.

A stay-at-home mom manages your household like a COO—worth $250–300K/year.

🏔️ Deal Closed: $700K Bridge Loan in Park City — Funded in Under a Week

Some deals aren’t about complexity—they’re about certainty.
An experienced investor came to us needing a $700K bridge loan to secure a high-value asset in Park City, Utah.

No rehab.
No fluff.
Just a tight timeline and a motivated seller.

Here’s how HenderX Capital made it happen:
✔️ Loan Type: Bridge
✔️ Loan Amount: $700,000
✔️ Approval Time: Same day
✔️ Funded: < 1 week from first contact
✔️ Use Case: Fast capital to lock the deal while permanent financing was arranged

We funded it in 5 days.
That’s the HXC difference.

Bridge loans aren’t just about short-term capital—they’re about not missing the window.

And when timing is tight, slow money is expensive.
Need quick capital for your next deal?

DM me “Bridge” and I’ll show you how we get it done—fast, flexible, and relationship-first.

Are you actually ready to make your first angel investment in real estate?

Here are five signs to look for.

You understand the risks. 
Angel investing in real estate isn't like buying shares or mutual funds. You know money isn't guaranteed to return fast, and you're comfortable with that.

You've built a solid financial foundation.
Your emergency fund is healthy. Your debts are under control. You're not betting the farm. You have real stability.

You can spot a strong deal.
You don't just hope for the best. You look at locations, market trends, and compare numbers. You know how to read a financial statement, or you have someone trustworthy who can.

You see value beyond the obvious.
It's not just about the property itself. You pay attention to the people running the deal. Are they trustworthy? Do they have experience? You ask the tough questions.

You want impact, not just income.
For you, it's not just about returns. You care about building communities, providing value, and making a difference through your investments.

If these sound like you, maybe you're closer than you think.

But if not, don't rush. The right opportunities come to those who prepare.

Thinking about making your first angel investment? Let's talk about how you can do it wisely.

Ever wonder if taking a risk on a hard money loan is worth it?

Here's what nobody tells you before your first time.

My first hard money deal felt like jumping out of a plane with a DIY parachute. The numbers looked good on paper, but the reality check came fast.

I missed key details in the terms, and that nearly wiped out my profit. Late fees, interest rates, and confusion around the exit strategy all crept up at once.

What I learned:

- Understand every single term, not just the headline rate.
- Plan your timeline with a buffer. Projects always take longer.
- Communicate with your lender. Silence causes more problems than questions.
- Have your exit clear before you sign, not after.

Hard money loans aren't for everyone, but they're a powerful tool if you respect the risks.

If you're thinking about alternative financing, get advice from someone who's already made the mistakes. It saves time, money, and a lot of stress.

Would you ever consider a hard money loan for your next deal?

Everyone jumps into real estate for the ROI or the dream of passive income.

But there are three skills every first-time investor needs that most people completely overlook.

First, patience. This game isn't like stocks, where you can buy or sell with a click. In real estate, things move slower. Deals take time to close. Value builds over years, not weeks. If you expect overnight results, you're setting yourself up for frustration.

Second, due diligence. It's not just about finding a property that looks good on paper. You need to dig into the numbers, check the neighborhood, vet every detail. The deals that look perfect at first glance can hide the costliest surprises.

Third, relationship building. Real estate isn't just numbers and contracts, it's people. Your network of agents, lenders, contractors, and mentors can make or break your journey. The strongest investors are usually the best at building trust and partnerships.

Skipping these skills is like running onto a field without knowing the rules. You might get lucky, but odds are, it's going to hurt.

If you're serious about mastering commercial real estate, start with these three. Everything else gets easier after that.

Chad Holland

As the Broker/Owner of Chad Holland Real Estate since 2003, I lead independent Professional REALTORS® who specialize in helping you buy, sell, or invest in various types of properties, including farm and ranch, hunting and recreational, residential, country and luxury homes, small businesses, investment rental and commercial properties. These independent Professional REALTORS® also provide other services such as buyer representation, broker price opinions, and property management. 

My mission is to help my clients achieve their real estate goals, whether they are selling or buying, leveraging my extensive knowledge and experience in the real estate and banking industry, with integrity and excellence.

I have successfully invested in various real estate projects, such as 1-4 family rentals, multifamily, build-to-rent, remodels, fix and flips, BRRRR, industrial flex properties, commercial buildings and farm & ranch land since 1989. 

In addition to being an actively licensed real estate broker, and an investor, I served as a seasoned real estate lender from 1989 through 2025. I most recently served as the Community Bank President, Executive Vice President, and Advisory Director of InterBank, a $5.0 billion commercial bank from 2002 through 2025. Since becoming a lender in 1989, I have closed thousands of agricultural and commercial loans, including hundreds of real estate loans in 58 counties across Texas and several counties in Western Oklahoma.  My lending experience includes farms, ranches, recreational properties, home mortgages, residential construction, hotels, hotel construction, rental properties, cattle, equipment and operating loans. Having worked in both large urban banks in Amarillo, Odessa, and Fort Worth, as well as rural community banks across Texas, I prepared hundreds of in-house real estate evaluations and built a vast network of professional contacts, including lenders, brokers, title companies, inspectors, appraisers, surveyors, attorneys, architects, engineers, and insurance professionals.

I have a passion for helping people achieve their real estate goals and a proven track record of delivering results. 

Referrals are essential for the success of my business. The finest compliment I can ever receive is a referral from my friends and clients.

Broker / Owner

Selling Farm & Ranch, Hunting & Recreational, Residential & Country Homes, Small Businesses & Commercial properties since 2003.

An 8th Generation Texan, Chad has personally owned and operated farm & ranch, rental and commercial property in addition to flipping numerous properties, and has extensive sales experience in farm & ranch, recreational, residential & country homes, as well as rental and commercial properties. As a lender, Chad has closed thousands of agricultural and commercial loans, including hundreds of real estate loans in fifty-eight (58) counties across Texas. Real Estate loans include farms, ranches, hunting & recreational property, home mortgages, new residential construction, hotels, new hotel construction, rental property and commercial property. Chad has made many contacts throughout Texas, including lenders, real estate brokers, title companies, inspectors, appraisers, surveyors, attorneys and insurance agents. Chad has the skill, the contacts and the commitment to bring buyers and sellers together on a deal that works for everyone involved.

The professional  REALTORS® at Chad Holland Real Estate routinely prepare Broker Price Opinions (BPO's) for buyers and sellers when pricing properties. We also prepare BPO's for owners for their use in preparing personal financial statements and for estate valuation purposes, as well as during negotiations for right-of-way, easement, eminent domain and condemnation processes.

BPO clients have included attorneys, commercial banks, credit unions, real estate valuation companies, mortgage lenders, trust departments, insurance companies, individuals, estates, institutional land investors, district courts, county courts, bankruptcy courts, asset management companies, school districts, economic development corporations, cities, relocation companies, default service companies, and property management companies.

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