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Spencer J Vann Review (2023): Is He Really Legit?

Last Updated: March 10, 2023
By: Hope
By: Hope


This Spencer J Vann review has been thoroughly researched with information and testimonials that are available online to anyone in the public. Any conclusions drawn by myself are opinions.

What I Liked

What I Didn't Like

Before we get into it... who am i?

Always good to put a name to a face, so firstly, my name is Hope!

Like you, I was stuck working 8-10 hour days building someone else’s dream.

I worked at one of those cool tech companies that has omelet stations for breakfast & craft beer on tap for after hours.

To a lot of people that’s a dream, but to me… something was missing.

All I really wanted, was to actually enjoy life – more vacations, less stress, buy myself nice things without worrying about the cost… but that was something my 9-5 couldn’t provide me.

That was until a few years ago when I discovered a way to make money online by actually helping real people. 

People in this case were local business owners across the US.

Me and My Puppy

The page above is an example of how I do it. That one-page site generates $1,500/mo and I haven’t even touched it since it was put up.

That’s an $18,000/year raise from just one page.

That’s why local lead generation is my #1 business recommendation for recurring, semi-passive income. If you want to learn about that business model, click here.

Important: I am not an affiliate

for Spencer J Vann

Why Does That Matter?

A lot of course reviewers have no experience with any of the business models or programs they review, and so they’re just making stuff up.

They do that because they want you to click through their link to buy from the person that the review is about!

They have no clue what it’s actually like to run the type of business Spencer J Vann is teaching you to do.
I have absolutely no relationship with Spencer J Vann, so you can rest easy knowing that I’m going to give you my honest opinion
This review is written based on my own experiences with this business model.

All that being said, let’s jump into things.

There are three easy steps to a six-figure income, as described by Spencer Vann. Something about a secret FCC loophole concealing $50 billion in so-called mystery money. And this money needs to be returned to its rightful owners.

According to Spencer, it’s possible to make a six-figure salary. There is no need to sell anything, no massive learning curve, and no hefty upfront investment is required.

Spencer says some generate $10,000 to $100,000 each month without selling anything: “My business partner and I used a legal loophole to make millions. This isn’t a standard online moneymaking strategy. Instead of selling something to get paid, we’ll give away legally their money.”

There are countless information courses floating around the internet. Why? Because for every problem that exists, someone claims to have the solution.

And that solution is usually some oddball money-making system that tells you how to turn a casual interest – or maybe something you’re super passionate about – into sustainable, reliable income. Just like Spencer J. Vann. Here’s the hard truth, though…

Spencer J. Vann is a course that teaches you about real estate investing.

If you’ve read my other articles on real estate investing, you’ll know there are 3 primary ways to invest:

Wholesaling, buy-and-hold, and flipping.

While they each have their pros and cons, there is a ton of potential for success investing in real estate.

Real estate has created some of the largest fortunes in world history.

That being said, you should take some time to seriously think about something:

Is now the best time for YOU to get into real estate investing?

Because despite the potential upside, investing in properties or land takes a lot of capital, and is very labor intensive.

That means if you:

  1. Have less than 3 hours per day, OR
  2. Aren’t sitting on $20K+ in disposable income

This may not be the best time for you to start investing in physical real estate.

Don’t get me wrong, real estate investing can be an amazing way to protect your assets while generating cash – but there’s a time and a place for it.

But there’s good news!

All you need is a system to generate the cash (& free time) you need to be ready for real estate investing.

My preferred method of getting there is by becoming a Digital Landlord

It takes the benefits of real estate investing, but removes many of the barriers (& annoyances), like:

  • Small cash flow on properties
  • Having to take out debt
  • Dealing with repairs and upkeep
  • Dealing with tenants

The cool part is that the income is mostly recurring (AKA semi-passive).

You could make anywhere from $2,000-$10,000+ per month doing it.

You can build it as big (or small) as you feel like, without the annoyances I listed above.

If that sounds interesting, you might want to think about becoming a Digital Landlord.

Then, you can take the profits and start investing in physical real estate a year or two from now.

If you wanna see what Spencer J. Vann looks like on the inside, keep reading.

Who Is Spencer J. Vann?

What Is Surplus Funds Mastery

Two to three years before beginning his work, Spencer Vann studied real estate and sales psychology. He devoted a lot of his time learning about the real estate market.

The excitement of Spencer’s first wholesale real estate transaction when he was 17 inspired him to pursue a career in the industry.

“It’s not about acquiring more information; it’s about getting the proper information and sequencing it,” explains Surplus Fund founder Spencer J. Vann.

There are “thousands of hours,” he says he’s spent studying this. Many tens of thousands of hours. This isn’t an exaggeration, either. It’s as though he has read a zillion novels.

He had the pleasure of getting to know some truly remarkable individuals. People who are on the cutting edge. Of course, I’ve also met people who are the exact opposite.

What Is Surplus Funds Mastery?

What Is Surplus Funds Mastery

In this program, Spencer J. Vann, the Surplus Fund Master, will reveal the dirty little secrets of claiming money for homeowners who are unaware of their eligibility.

Is it legal for you to do what you’re about to do? Is this a shocker to you? Could there be millions of cash sitting around unclaimed? This unique technique will help us understand where the extra money comes from.

The Surplus Funds business isn’t a new idea or approach. Overages, Tax Sale Overage, Surplus Recovery, Tax Sale Surplus, Unclaimed Funds from Tax Sale, and Mortgage Surplus are all terms you may or may not be familiar with. A variety of terms have been used to characterize this method, and I could go on and on about them.

Surplus Fund Mastery Program

Surplus Fund Mastery Program

Following these three steps, Justin, a Spencer’s Surplus Fund Mastery program student, could contact a person who had more than $34,000 in his first two weeks of study.

And it’s the reason why Lee, who’d never heard of this before, made over $100,000 in his first month on the job! Spencer demonstrates how to obtain spreadsheets containing millions of names of people who are owed money from bank accounts, uncashed cheques, stocks, bonds, insurance payouts, and more simply by conducting a Google search for your state and the phrase “unclaimed property records.”

It’s now just a numbers game. Starting with the people that owe you the most, begin contacting them to see if you can secure a larger payment.

Surplus allows you to look for people by name and get their contact details. Calls should be made as soon as possible. Before continuing a call, know who is on the other line. If that is the case, please introduce yourself and indicate why you are calling.

If they want your aid in retrieving their surplus, let them know you’re willing to help. If this is the case, send them a short piece of paper to complete, ask them to mail it in, and sit tight.

The Surplus Recovery Process

Surplus Funds is exactly what it sounds like for those who didn’t have time to attend the webinar but still want the gist in a short and sweet version. Foreclosure occurs when a homeowner defaults on their mortgage (stops making payments) and cannot prevent the bank from taking legal action to recover the debt.

A homeowner may stop paying for many reasons

Let’s say the homeowner has been paying back loans by making monthly payments for 10 years. Along with monthly payments, their home’s worth has risen in 10 years and their home equity is $100,000.

The home’s value exceeds what’s due to banks.

When homeowners lose their jobs, get divorced, etc., they can’t refinance due to credit concerns. They’re humiliated; and therefore, they don’t try to sell. The residence is foreclosed, auctioned off and the house has $100k equity.

Auctioning the residence. An investor buys the house at auction for less.

After all creditors (bank mortgages, liens, etc.) have been paid from the proceeds of the sale of the foreclosed property, any remaining money is considered a surplus and belongs to the homeowners by the applicable foreclosure regulations.

The homeowner puts the property up for sale and retains all the money from the deal when they’ve cleared the title.



It’s thrilling, and the rewards can be enormous. However, the market is incredibly competitive, and only a few niches are worthwhile. There are a lot of lawyers and other people doing the same thing in those places.

However, the entire process is not as simple as it appears on the surface. For the most part, these recovery agencies have been in business for many years, and it takes a lot of effort and the right team to succeed.

Are The Alternatives To Spencer J. Vann?

Other Business Model To Choose From

Yes, there are plenty of other business models to choose from if you want to pursue this making money online. Here are just a few:

Is Spencer J. Vann A Scam?

Is It A Scam

So, time for the $1,000,000 question – is Spencer J. Vann a scam?

No, not technically. You can 100% make money with this program, though it’s not nearly as simple as they make it seem.

As with most businesses, there is A LOT of work to be done upfront & no guarantee of you being successful.

Not to mention the profit margins are typically pretty small.

Don’t get me wrong, I’m a big proponent of front-loading work now, so that you can reap the rewards later.

But if I’m gonna do that, I want the rewards to be HIGH and virtually guaranteed.

I’d rather put in that same 3 months of work (in my spare time) & build a handful of Digital Rental Properties that each produce $500-$2,000 checks every single month afterward (AKA recurring income).

And the cool part is that you can do it in a lot less time than 3 months (I personally did it in my first 2 weeks of being a Digital Landlord).

Unlike physical real estate, you can do it from anywhere in the world, so it’s a genuine “laptop-lifestyle” business.

All you need is an internet connection.

Some of my friends are Digital Landlords that run their 6-figure businesses from:

  • Camping trips at national parks
  • Beachfront in Hawaii
  • On the road in a camper van (with a pet pig!)

They focus on living an enjoyable life first, and focus on income second. All thanks to this program

They can take weeks or months off, and money keeps rolling in.

Living happily is the top priority.

If the thought of living perpetually at your dream vacation spot interests you, being a Digital Landlord might be for you!

What Is My Top Recommendation For Making Money From Home In 2023?

Make Money Online With Digital Landlord

I’ve personally tried all of the major online business models:

  • I’ve sold fidget spinners through Amazon FBA
  • I’ve drop-shipped a toilet bowl putting green on Shopify
  • I’ve sold women’s health supplements via Clickbank affiliate marketing

And I made money with all of them, so trust me when I say: there is no “perfect” business model.

It’s worth noting that I FULLY endorse real estate investing as a way to grow wealth, and that’s why I invest my own money in commercial and residential real estate.

That being said, my #1 recommendation for making real money online as a beginner is, hands-down: being a Digital Landlord.

Whether you’re a complete newbie, or you’ve been around the block before but have never had that “big win” to propel you forward, becoming a Digital Landlord is for you.


Time: If you’ve got a spare hour or two each day, you can do this. If you want to drop everything and go all in, you can do this. More time obviously means faster results, but even putting in a few hours per day is enough to see real success.

And because of that flexibility, you don’t need to trade your time for money. Once the income starts, it’s recurring.

That means you can take a month off, travel the country, pursue a passion project, chill on the beach, or charter a boat across the world.

But you can only do that once you’ve created an income stream that doesn’t require YOU to be there all day, every day.

Real estate investing is a FULL-TIME JOB. If you stop finding deals, your money dries up.

Ownership & Control: Unless you’re buying your properties in cash, you don’t technically own the properties – the lender does.

If you miss a single payment, the property can be taken from you.

Why pour your soul into a business that could be taken away from you at the drop of a dime?

When you’re a Digital Landlord, you literally own all of the assets, which means you have ultimate control.

Ongoing costs: With real estate, profit margins are actually pretty slim. Real wealth is made in owning the assets, and owning A LOT of them.

Being a Digital Landlord, your profit margin is nearly 100%. Watch here to learn how.

Just a reminder: these Digital Rental Properties are worth (at a minimum) $500/mo in semi-passive income. And each time you create another one, your income increases, and the effort put into creating the next property decreases.

Best-case scenario, you have properties bringing in over $3,000+/mo on auto-pilot.

It’s Effectively Copy-Paste: Here’s my favorite part: once you have your first Digital Rental Property up, you can literally copy-paste another version of it and find another willing “renter” in a few days. DOUBLING your income doesn’t get much easier than that…

If you wanted to double your income with real estate investing, you would need twice as many properties, or double your profit margins on each property. And I can guarantee you, that’s a lot harder than a few clicks & a phone call.

Make Money Helping Real People: When you’re a Digital Landlord, you’re helping solve REAL problems that people are ASKING for help with:

Small local businesses around the world need one thing: customers. Without them, their business would fall apart. If you can provide those customers, they’re going to be really happy – and they’re going to pay you for it.

You’re helping a struggling mother or father put food on the table for their families, put their kids through college, or simply live life a little bit more comfortably.

Having this type of impact on the world is what will help you sleep soundly at night.

So, the rest is up to you. You could keep looking at other opportunities Spencer J. Vann, which might make you money.

You could keep researching and researching for the next few months (or few years), never making a concrete decision.

OR, you can look deep inside, think about those dreams, hopes, & desires, and make the decision to ACTUALLY make it happen, just like it has for thousands of other students before you.

Making a fortune while actually helping real people that need it.

If this sounds like you, click here to see how it all works.

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Hi, I'm Hope!

I make over $20,000/mo thanks to this platform… check it out below!