The Real Estate Lowdown

You know I love a great discussion about the secondary mortgage market. That's precisely why I started a new podcast last month called Debt Doctor (https://www.youtube.com/@billbymel), delivering the definitive prescription for navigating the complex world of distressed real estate debt and specialty finance to help you identify, acquire, and monetize undervalued real estate assets. You'll definitely want to hear this discussion about the secondary mortgage market with Nathan Turner, affectionately known as the Canadian Note Guy. Nathan shares his journey into note investing — pioneering a shift in the note investing landscape by opening opportunities for private investors into a space long dominated by institutions, and his leadership role in launching the Diversified Mortgage Expo (DME).We explore the multifaceted strategies of note investing — from land notes and participations to contracts for deed and commercial properties — while highlighting the importance of adaptability in today's evolving market. Nathan also brings a fresh take on investor networking, blending professional insights with unconventional experiences to foster authentic connections.Our conversation goes beyond just investment mechanics. We examine the ripple effects of events like COVID-19 on mortgage defaults and discuss the strategies banks and investors are using to navigate this new terrain.Whether you're a hands-on investor or prefer to work with seasoned experts, this episode offers valuable insights into building resilient, diversified real estate portfolios with much less risk.Connect further with Nathan Turner on LinkedIn https://www.linkedin.com/in/nathan-turner-a9a1b510/ or https://earnestinvesting.com.First Lien Capital is your trusted investment partner. First Lien Resolutions is your trusted Special Assets Group partner. Schedule a consultation with Bill to ELEVATE (https://billbymel.com/investor/) or REVIVE (https://billbymel.com/advisor/) your portfolio today.To learn more, visit:https://billbymel.com/Listen to more episodes on Mission Matters:https://missionmatters.com/author/bill-bymel/

Join me for a detailed discussion about the world of real estate syndication with Tilden Moschetti, Esq., syndication attorney focused exclusively on Regulation D offerings for real estate syndicators, business owners, entrepreneurs, and private equity funds. Tilden shares his wealth of knowledge on how Reg D offerings are revolutionizing the landscape for budding sponsors and managers. With their straightforward regulatory requirements and minimal SEC involvement, Reg D offerings are quickly becoming a go-to strategy in real estate.He offers practical insights into the dynamics of real estate syndication, showcasing the pivotal role that personal relationships and informed decision-making play in a successful syndication business.And clears up common misconceptions about raising capital, particularly from friends and family, and emphasizes the critical importance of understanding securities laws to ensure compliance and protect investors. We also take a closer look at the differences between Regulation A and Regulation D offerings, exploring their functionalities, implications, and legal frameworks - offering a glimpse into the regulatory evolution that's shaping today's investment landscape. And understanding the operational nuances between closed-end and evergreen funds under Reg D, focusing on the importance of fair value marking to prevent dilution.This episode provides an insightful forecast of the next two decades in real estate finance and how strategic financial decisions will drive the evolution of the industry.Connect further with Tilden Moschetti on LinkedIn https://www.linkedin.com/company/moschettilaw/ or https://www.moschettilaw.com.Schedule a consultation with Bill to ELEVATE (https://billbymel.com/investor/) or REVIVE (https://billbymel.com/advisor/) your portfolio today.To learn more, visit:https://billbymel.com/Listen to more episodes on Mission Matters:https://missionmatters.com/author/bill-bymel/

Mark Lumpkin, Sales Director at STR Cribs, joins us to share his innovative approach of helping investors turn their single-family investment properties into profitable unforgettable short-term rental properties - creating standout short-term rental experiences that leave a lasting impression.With a rich background as a licensed general contractor and inspired by his own family travels, Mark crafts amenity-rich havens that not only rival but surpass traditional hotels in comfort and design for those looking to create meaningful family travel experiences.With focus on quality and comfort over mere aesthetics sets STR Cribs apart in the competitive Airbnb and VRBO markets. Tune in as we explore how these amenity-rich properties redefine what it means to feel truly at home, even when miles away.The conversation doesn't stop at interior design; we tackle the complexities of the short-term rental market affecting short-term rentals across hotspots like Florida, Texas, and Arizona, with Mark providing insights into the regulatory challenges and opportunities facing investors today. From the bustling vacation hotspots of Florida and Texas to the scenic landscapes of Arizona, Mark shares his experiences navigating licensing, insurance hurdles, and the broader impact of regulatory changes on local economies. Connect further with Mark Lumpkin via email marklumpkin1905@gmail.com, LinkedIn https://www.linkedin.com/in/mark-lumpkin-84b173142/, or STR Cribs https://strcribs.com.First Lien Capital is your investment and resolutions partner delivering security and strong returns while making real impact, and your Special Assets Group for hire delivering customized solutions to your distressed real estate debt scenarios.Schedule a consultation with Bill to ELEVATE (https://billbymel.com/investor/) or REVIVE (https://billbymel.com/advisor/) your portfolio today.To learn more, visit:https://billbymel.com/Listen to more episodes on Mission Matters:https://missionmatters.com/author/bill-bymel/

Ryan Poole, Founder and the innovative force behind RealTrade Inc., joins us to unpack the seismic shifts currently rocking the real estate world. RealTrade Inc. is an online marketplace and social platform for real estate that brings together the best in data, agents, and other professionals to help buyer and sellers build the most trusted real estate network and make the best buying and selling decisions. Together, we discuss how RealTrade is leading a charge towards transparency by allowing buyers, sellers, and brokers more control over their data. The episode navigates the evolving roles of real estate agents amid recent disruptions to traditional MLS cooperation agreements. With the spotlight on the elimination of guaranteed buyer's agent commissions, Ryan and I discuss how agents are adapting by crafting private networks for property marketing, challenging giants like Zillow. RealTrade is at the helm of this change, empowering agents to communicate directly with buyers and sellers, reshaping the typical real estate transaction landscape.As we explore new investment strategies, the discussion turns to the multifamily sector and the opportunities arising from rising interest rates and shifting rental values. From long-term property investments to the importance of never selling too soon, this episode is packed with insights and strategies for navigating today's challenging real estate environment.Connect further with Ryan Poole at LinkedIn https://www.linkedin.com/in/ryan-poole-0b50b9162/ or RealTrade, Inc. https://realtrade.io.First Lien Capital is your investment and resolutions partner delivering security and strong returns while making real impact, and your Special Assets Group for hire delivering customized solutions to your distressed real estate debt scenarios.Schedule a consultation with Bill to ELEVATE (https://billbymel.com/investor/) or REVIVE (https://billbymel.com/advisor/) your portfolio today.To learn more, visit:https://billbymel.com/Listen to more episodes on Mission Matters:https://missionmatters.com/author/bill-bymel/

Economic fallacies are like ghost stories for the financially literate: they persist, despite evidence to the contrary. What fallacies might be influencing your real estate and financial decisions?Join me for this episode of Real Estate Lowdown Coffee with Bill as we unravel some of the most entrenched misconceptions shaping our economic landscape.From the aftermath of what President Trump termed "Liberation Day" and the ripple effects of new tariffs to revisiting Alan Greenspan's pre-2008 housing crisis remarks, we'll explore how influential figures can fall into the trap of faulty reasoning. We'll also scrutinize the zero-sum fallacy that perpetuates the notion that one party's gain has to be another's loss, questioning the assumptions that guide our economic thinking and urging a fresh perspective on growth and transactions.Beyond financial fallacies, we of course examine the real estate market's most stubborn misconceptions. Are we really facing a housing shortage, or is that just a narrative spun by those with something to gain? With data in hand, we uncover how increased housing units are outstripping population growth, pointing to a potential oversupply rather than scarcity - underscoring the fallacies maintained by stakeholders whose livelihoods depend on these narratives.Amidst the allure of low interest rates and an era of "free money," we'll dismantle the narrative of cap rates that seemed lower than they should have been.Tune in for a revealing discussion that cuts through the noise to challenge conventional wisdom.First Lien Capital is your investment and resolutions partner delivering security and strong returns while making real impact, and your Special Assets Group for hire delivering customized solutions to your distressed real estate debt scenarios.Schedule a consultation with Bill to ELEVATE (https://billbymel.com/investor/) or REVIVE (https://billbymel.com/advisor/) your portfolio today.To learn more, visit:https://billbymel.com/Listen to more episodes on Mission Matters:https://missionmatters.com/author/bill-bymel/

Bob Brown, affectionately known as the Dirt Whisperer, brings 35 years of dirt expertise and experience to our latest episode, unmasking the foundation repair industry with his candid insights, as he reveals the hidden complexities of soil and its crucial role in maintaining strong building foundations, and uncovers the hidden truths behind foundation repair myths that could save you thousands. Learn to spot the difference between genuine analysis and sales pitches masquerading as technical evaluations, and empower yourself with the knowledge to make informed, cost-effective decisions for your home and investment properties.Bob's advice is clear: homeowners must consult independent geotechnical engineers to avoid being misled and overcharged. His wisdom will empower you to make informed decisions, championing transparency and accountability in a field often shrouded in ambiguity.Connect further with Bob Brown at LinkedIn https://www.linkedin.com/in/bobbrownazrm or https://foundationrepairsecrets.com. And grab a copy of Bob's award-winning book, Foundation Repair Secrets: Learn How to Protect Yourself and Save Thousands at https://foundationrepairsecrets.com/book.First Lien Capital is your investment and resolutions partner delivering security and strong returns while making real impact, and your Special Assets Group for hire delivering customized solutions to your distressed real estate debt scenarios.Elevate or revive your portfolio today at https://billbymel.com/advisor.To learn more, visit:https://billbymel.com/Listen to more episodes on Mission Matters:https://missionmatters.com/author/bill-bymel/

Join me to sit and savor another - relentlessly candid - Coffee with Bill discussion as we unravel the pressing issues and potential turning points that define our current economic landscape.Each morning as I savor my first cup of coffee, I'm reminded of how vital adaptability is, especially in our current world filled with political and economic turbulence. With Donald Trump's return to office in 2025, we're witnessing a fascinating yet challenging reshaping of our societal landscape. Let's reflect on the importance of embracing change and listening to diverse perspectives, drawing parallels and lessons from historical examples like the ancient Greek and Egyptian empires. Like these civilizations, we too face cyclical shifts in governance and environment, underscoring the need for flexibility and open-mindedness in leadership and daily life.The echoes of the 2008 financial crisis are felt in today's context, where post-COVID-19 realities and previous administrations' policies have set the stage for potential upheaval. We unpack the risk of government foreclosures and strategic defaults, which could threaten the substantial equity currently present. With forbearance options potentially being exploited, this conversation is a crucial exploration of the fault lines lurking beneath a seemingly robust market, urging awareness and preparedness for what's to come.First Lien Capital is your investment and resolutions partner delivering security and strong returns while making real impact, and your Special Assets Group for hire delivering customized solutions to your distressed real estate debt scenarios.Schedule a consultation with Bill to ELEVATE (https://billbymel.com/investor/) or REVIVE (https://billbymel.com/advisor/) your portfolio today.Stay connected with Bill Bymel and First Lien Capital: https://linktr.ee/billbymelTo learn more, visit:https://billbymel.com/Listen to more episodes on Mission Matters:https://missionmatters.com/author/bill-bymel/

Casey Gregersen, Founder and CEO of Bighorn Capital Fund, real estate investor and engineer, shares his remarkable journey from the football field to the oil fields, and eventually into the world of real estate. From an unexpected journey into petroleum engineering to building a formidable real estate portfolio of 250 units, Casey's story is one of adaptation and opportunity, blending sports and academics to carve out a unique career path.Learn how Casey's eclectic academic background and college football days shaped his successful career, along with the unique approach he took to his first property purchase during his graduate studies.Originally from Wyoming, Casey's diverse academic background in math, chemistry, physics, and Spanish unexpectedly led him to a master's degree in petroleum engineering and a corporate stint at Shell. Discover how Casey transitioned from his secure corporate role to a self-made real estate investor. His strategic vision and innovative mindset turned his side hustle into a thriving enterprise tailored for the oil and gas community.Casey offers invaluable insights into the promising real estate market in Wyoming. From understanding local dynamics to employing a strong in-house construction team, he emphasizes the importance of multiple exit strategies and investing in energy-rich regions. Join us as Casey shares his passion for real estate, energy, and the ever-evolving opportunities in Wyoming's market, inspiring listeners to explore new horizons.Connect further with Casey Gregersen at LinkedIn linkedin.com/in/caseygregersen, https://caseygregersen.com or https://bighorncapitalfund.com.First Lien Capital is your investment and resolutions partner delivering security and strong returns while making real impact, and your Special Assets Group for hire delivering customized solutions to your distressed real estate debt scenarios.Elevate or revive your portfolio today at https://billbymel.com/advisor.

After the unimaginable heartbreak of losing a son to a drunk driving accident, Chris Occhipinti, the visionary founder of Homeless to Home Ownership, transformed his grief into a mission to help others find stability and purpose. Join us as Chris shares his turning point from this personal tragedy to pioneering a nonprofit that  has helped tens of thousands of individuals, including addicts, ex-felons, and veterans, achieve self-sufficiency through a comprehensive rehab and empowerment program. The program doesn't stop at sobriety; it's unique approach goes further - blending elements of the 12-step system with practical support like job training, credit repair, and legal assistance, culminating in the ultimate goal of homeownership. We take a critical look at the systemic issues surrounding homelessness and addiction, raising questions about whether current systems might actually perpetuate the very issues they aim to solve. Chris challenges societal attitudes and underscores the power of self-belief and personal responsibility in overcoming life's hurdles. Our conversation was a deep dive into the intersection of real estate, social impact, and personal transformation - sparking an essential dialogue about real estate and economic factors that are deeply entwined with these social issues.Connect further with Chris Occhipinti at LinkedIn https://www.linkedin.com/in/christopherhouseofhope/ or https://www.homeless2homeownership.org.*****As your investment partner, First Lien Capital delivers security and strong returns while making real impact. As your resolution partner, First Lien Resolutions Special Assets Group for hire delivers customized solutions to your distressed real estate debt scenarios with uncompromising integrity and measurable results.Elevate or revive your investment portfolio today. Email bill@firstliencapital.com or go to https://billbymel.com/advisor/To learn more, visit:https://billbymel.com/Listen to more episodes on Mission Matters:https://missionmatters.com/author/bill-bymel/

In this captivating episode, I sit down with Sharad Mehta, CEO and founder of REsimpli, the cloud-based system that makes real estate investing more efficient by automating tasks and managing business more efficiently. What began as a personal solution to the fragmented world of real estate investing has evolved into a groundbreaking CRM tool that's revolutionizing the industry. Sharad's journey is not just about creating innovative technology - it's about understanding a fundamental problem and building a solution so effective that it drives exceptional customer satisfaction and organic growth.We explore the delicate balance of leveraging AI and automation while preserving the personal connections that ultimately drive business success and customer loyalty.The discussion deepens as we examine how climate events are reshaping the real estate landscape - their far-reaching implications for insurance policies, disaster preparedness, and investment strategies. Episode Highlights:• From Problem to Solution: How Sharad identified critical inefficiencies in real estate investing and transformed them into a customer-focused CRM platform• Technology vs. Human Touch: Finding the sweet spot between automation and personal connection in an increasingly AI-driven world• Climate Adaptation: Fresh perspectives on how environmental changes are forcing innovation in real estate investment strategies• Values-Driven Success: The measurable impact of humility, gratitude, and self-awareness on scaling a business and building lasting relationshipsAs we wrap up, Sharad reinforces the timeless wisdom of adhering to sound investment principles regardless of market volatility. Connect further with Sharad Mehta at LinkedIn https://www.linkedin.com/in/sharad-mehta-resimpli/ or REsimpli https://resimpli.com.Elevate or revive your portfolio today. Email bill@firstliencapital.com or go to https://billbymel.com/advisor/.To learn more, visit:https://billbymel.com/Listen to more episodes on Mission Matters:https://missionmatters.com/author/bill-bymel/

In this thought-provoking discussion on the Real Estate Lowdown, Tampa Bay attorney Bishoy Habib gives a comprehensive analysis as he takes us on a journey through Florida's dynamic property market. From analyzing the pandemic-fueled boom to predicting an upcoming market reset, Bishoy provides valuable perspective on both residential and commercial real estate trends. Drawing from historical cycles and current legislative changes, he balances caution about overheating with long-term optimism for the Sunshine State's economic future. Get the inside track with these insights:• Florida's unique advantages that fueled a pandemic-era real estate boom and the challenges this rapid growth has created for infrastructure and affordability• Historical real estate cycles in Florida and why current market conditions may signal a concerning overheating pattern• Recent policy changes giving borrowers more flexibility and how these can be leveraged during financial difficulties• Commercial lending practices reshaping investor opportunities from experts negotiating deals on the front lines• Why a coming reset might ultimately strengthen the dollar and benefit the broader economyConnect further with Bishoy Habib, Esq at LinkedIn https://www.linkedin.com/in/bishoyhabib/ or Levacy Legal https://levacylegal.com.As your investment partner, First Lien Capital delivers security and strong returns while making real impact. Integrity and values drive our strategy - join our successful investing family and let us create a legacy of financial and community impact together. As your resolution partner, First Lien Resolutions discreetly revives underperforming and distressed asset portfolios into profitable ones, delivering calculated and customized, strategic outcomes needed to protect and maximize your investments. Elevate or revive your portfolio today. Email bill@firstliencapital.com or go to https://www.firstliencapital.com.To learn more, visit:https://billbymel.com/Listen to more episodes on Mission Matters:https://missionmatters.com/author/bill-bymel/

As I sip my morning chocolate espresso, thanks to my favorite coffee purveyor, Nespresso, I want to share some thoughts on our industry, the economy, and the personal journey that's brought us all to this moment.I just returned from speaking at the NADP conference in Palm Springs that was enlightening in more ways than one. While on stage with fellow investors, we witnessed significant economic turbulence that felt eerily reminiscent of scenes from The Big Short.The current economic landscape, influenced by shifting government operations and international relations, creates both volatility and opportunity.2024 was a year that demanded resilience from everyone. I learned that closing doors on certain relationships opened new opportunities and reinforced the importance of resilience. Resilience has been on my mind lately. My daughter Elizabeth embodies it perfectly. She lost her mother at a young age, yet has grown into this remarkably strong woman who faces challenges head-on. Watching her navigate life reminds me that resilience isn't just about enduring hardship; it's about emerging stronger on the other side.I'm going to leave you with an inspiring call to action: "Life is your book. Stop reading it and start writing it."As your investment partner, First Lien Capital delivers security and strong returns while making real impact. Integrity and values drive our strategy - join our successful investing family and let us create a legacy of financial and community impact together. As your resolution partner, First Lien Resolutions discreetly revives underperforming and distressed asset portfolios into profitable ones, delivering calculated and customized, strategic outcomes needed to protect and maximize your investments. Elevate or revive your portfolio today. Email bill@firstliencapital.com or go to https://www.firstliencapital.com. Stay connected with Bill Bymel and First Lien Capital:Linktree: https://linktr.ee/billbymelTo learn more, visit:https://billbymel.com/Listen to more episodes on Mission Matters:https://missionmatters.com/author/bill-bymel/

In this insider episode of the Real Estate Lowdown, Scott Phillips, Senior VP of SES, a leading insurance solutions provider for the real estate sector pulls back the curtain on the often misunderstood world of property insurance in today's volatile market.Discover how SES leverages relationships with major carriers like Lloyds and Chubb to create tailored insurance policies for residential rental properties. Scott reveals surprising industry insights, including that 80% of the rental market consists of small landlords with five or fewer properties.As extreme weather events become more frequent and severe, Scott shares invaluable strategies for managing rising insurance costs, including:• The three core insurance programs every real estate investor should know• Smart approaches to deductible structures that can save you money• How technology is revolutionizing risk prevention• Why property management controls are crucial for risk mitigationWhether you're a seasoned investor or just starting out, this conversation delivers actionable insights to help you masterfully navigate the complex insurance landscape and protect your real estate investments more effectively.Connect further with Scott Phillips at LinkedIn linkedin.com/in/sphillipsmba, SES Risk Solutions https://www.ses-ins.com or email scott.phillips@ses-ins.com.As your investment partner, First Lien Capital delivers security and strong returns while making real impact. Integrity and values drive our strategy - join our successful investing family and let us create a legacy of financial and community impact together. As your resolution partner, First Lien Resolutions discreetly revives underperforming and distressed asset portfolios into profitable ones, delivering calculated and customized, strategic outcomes needed to protect and maximize your investments. Elevate or revive your portfolio today. Email bill@firstliencapital.com or go to https://www.firstliencapital.com.To learn more, visit:https://billbymel.com/Listen to more episodes on Mission Matters:https://missionmatters.com/author/bill-bymel/

Join us for this episode of the Real Estate Lowdown as veteran multifamily investor, Charles Carillo, Managing Partner at Harborside Partners, pulls back the curtain on his 18-year journey in real estate investing. From weathering the 2008 crash to navigating today's high-interest environment, Charles shares battle-tested strategies for building lasting wealth through property ownership.In this value-packed episode, you'll discover:• Why holding properties through market downturns separates successful investors from the rest• How rising interest rates are reshaping construction trends and creating new opportunities• The critical adjustments savvy investors are making to their acquisition criteria right now• Why the rental market is poised for unprecedented growth as homeownership becomes increasingly unattainable• Charles' controversial inflation prediction for the next 12-24 months (and how to position your portfolio accordingly)• The maintenance strategy that could save your cash flow during economic uncertaintyWhether you're a seasoned investor or just starting your real estate journey, Charles' insights on achieving financial freedom through strategic property investment are essential listening in today's shifting market.Connect further with Charles Carillo at LinkedIn https://www.linkedin.com/in/charleskcarillo/ or Harborside Partners https://harborsidepartners.com.As your investment partner, First Lien Capital delivers security and strong returns while making real impact. Integrity and values drive our strategy - join our successful investing family and let us create a legacy of financial and community impact together. As your resolution partner, First Lien Resolutions discreetly revives underperforming and distressed asset portfolios into profitable ones, delivering calculated and customized, strategic outcomes needed to protect and maximize your investments. Elevate or revive your portfolio at https://www.firstliencapital.com.To learn more, visit:https://billbymel.com/Listen to more episodes on Mission Matters:https://missionmatters.com/author/bill-bymel/

Unlock the secrets of Southern California's real estate market with investor Zihao Wang, Founder & CEO of Motiva Holdings, who shares how he defies conventional wisdom to achieve remarkable success. We learn about his journey from managing properties as a teenager in Pasadena to the early influences that shaped his path. Zihao's unique approach, offers insights on managing legacy tenants, forming international partnerships, and leveraging his talent for numbers to predict market trends.We dive into the shifting dynamics of California's rental market, where high occupancy rates persist despite slight rent softening and explore the potential for strategic acquisitions in distressed markets.It's a conversation rich with expert insights, bold predictions, and a touch of nostalgia, promising a captivating glimpse into the future of real estate investing in Southern California.Connect further with Zihao Wang at LinkedIn https://www.linkedin.com/in/zihao-wang-mh/ or Motiva Holdings https://motivaholdings.com.As your investment partner, First Lien Capital delivers security and strong returns while making real impact. Integrity and values drive our strategy - join our successful investing family and let us create a legacy of financial and community impact together.As your resolution partner, First Lien Resolutions discreetly revives underperforming and distressed asset portfolios into profitable ones, delivering calculated and customized, strategic outcomes needed to protect and maximize your investments.Elevate or revive your portfolio today. Email bill@firstliencapital.com or go to https://www.firstliencapital.com. Stay connected with Bill Bymel and First Lien Capital:Linktree: https://linktr.ee/billbymelTo learn more, visit:https://billbymel.com/Listen to more episodes on Mission Matters:https://missionmatters.com/author/bill-bymel/

From fixing fences on his father's ranch to shaping urban landscapes, Luis Belmonte, principal at Seven Hills Properties, chronicles his unlikely path to real estate development. Drawing from his Irish-Italian roots and decades of experience, Luis reveals why he chose practical community projects over luxury developments – and how this decision shaped his success.Beyond the blueprint, Luis breaks down the essentials of real estate investment, from internal rate of return to the delicate balance of leveraging. And reveals the hidden potential in today's office spaces while sharing hard-earned wisdom from his most memorable wins and losses.Key Takeaways:• Discover why focusing on practical, community-oriented projects can deliver stronger returns than luxury developments, backed by real-world examples from decades of successful deals and market cycles• Learn the critical metrics that drive profitable development decisions, including a masterclass on evaluating internal rate of return and managing leverage risk in today's market• Explore contrarian opportunities in the office sector, with actionable insights on identifying undervalued properties and turning market challenges into profitable venturesJoin us for this unvarnished look at real estate development through the eyes of a builder who started from the ground up.Connect further with Luis Belmonte at LinkedIn https://www.linkedin.com/in/luis-belmonte-54257211/ or Seven Hills Properties https://www.7hp.com.Unlock elite low risk investment opportunities tailored to your priorities. Let our expert team maximize your returns while you focus on what matters most. Join our family of successful investors creating a lasting legacy of financial wealth and community impact together.  Start or elevate your portfolio today. Email bill@firstliencapital.com or go to https://www.firstliencapital.com to invest with us. Stay connected with Bill Bymel, First Lien Capital:Linktree: https://linktr.ee/billbymelTo learn more, visit:https://billbymel.com/Listen to more episodes on Mission Matters:https://missionmatters.com/author/bill-bymel/

German immigrant Jack Bosch, Co-Founder of Orbit Investments and “Land Profit Generator”, turned his American dream into reality. In this episode, Jack shares his journey of becoming a thriving real estate entrepreneur alongside his wife Michelle and why they chose to focus on the lesser-known yet lucrative niche of land wholesaling.Unlike the crowded house wholesaling market, land wholesaling presents unique opportunities with minimal competition and high profit potential. Jack divulges strategies that make this investing appealing to those looking for financial freedom and lower-risk investments, and why it's attracting a new wave of investors.With Jack's personal anecdotes and strategic insights, you'll gain a fresh perspective on wealth creation through land investments and discover why land continues to be one of the most resilient and rewarding investment vehicles. Connect further with Jack Bosch at LinkedIn https://www.linkedin.com/in/jack-bosch-a923b59/ or go to https://www.landprofitgenerator.com to download the 30 Day Land Flipping Blueprint.Unlock elite low risk investment opportunities tailored to your priorities. Let our expert team maximize your returns while you focus on what matters most. Join our family of successful investors creating a lasting legacy of financial wealth and community impact together. Start or elevate your portfolio today. Email bill@firstliencapital.com or go to https://www.firstliencapital.com to invest with us.Stay connected with Bill Bymel and First Lien Capital:Linktree: https://linktr.ee/billbymelTo learn more, visit:https://billbymel.com/Listen to more episodes on Mission Matters:https://missionmatters.com/author/bill-bymel/

From drowning in nearly a million dollars of debt to mastering financial independence, Brent Kesler's journey from chiropractor to wealth-building strategist and educator will transform how you think about money. Despite his initial skepticism, Brent discovered a powerful path to financial freedom through Infinite Banking - a strategy that turned his substantial debt, including student loans and an airplane purchase, into stepping stones toward wealth.In this eye-opening episode, Brent pulls back the curtain on the Money Multiplier method, revealing how specifically designed whole life insurance policies can become potent wealth-building tools. You'll discover how tax-deferred growth strategies that most financial advisors never mention can accelerate your journey to financial independence.Whether you're battling debt or seeking smarter investment strategies, Brent's practical insights and remarkable transformation from skeptic to expert will equip you with actionable steps toward building lasting wealth. Connect further with Brent Kesler at LinkedIn https://www.linkedin.com/in/brent-kesler-324abb19/ or go to https://themoneymultiplier.com for free resources and ebook, Mapping Out the Millionaire Mystery.Unlock elite low risk investment opportunities tailored to your priorities. Let our expert team maximize your returns while you focus on what matters most. Join our family of successful investors creating a lasting legacy of financial wealth and community impact together. Start or elevate your portfolio today. Email bill@firstliencapital.com or go to https://www.firstliencapital.com to invest with us.Stay connected with Bill Bymel and First Lien Capital:Linktree: https://linktr.ee/billbymelTo learn more, visit:https://billbymel.com/Listen to more episodes on Mission Matters:https://missionmatters.com/author/bill-bymel/

Discover how former bankruptcy attorney, Ofer Shapira, is revolutionizing the loan trading industry with a groundbreaking AI-driven platform. Join us as we uncover the journey that led Ofer from the legal field to becoming a tech innovator, focused on transforming the way loan portfolios, including distressed and illiquid assets, are traded. We're unpacking the platform's unmatched ability to automate transactions, provide pricing benchmarks, and vet trading partners - all while safeguarding seller privacy. Explore the world of loan trading through the lens of language models and their potential to enhance the industry's matchmaking process. Imagine a scenario where buyer frustrations with varying preferences are minimized through AI models that capture nuanced details, akin to a dating app for investors. While these models aren't flawless, they present a significant opportunity to improve the traditional brokering process, offering a human-like engagement that aligns with business goals, streamlining the market for better efficiencies.We'll also delve into the broader implications of global power shifts and geopolitical risks, exploring how these dynamics affect economies and financial products. Ofer shares predictions on emerging alliances and the interconnectedness of global events, highlighting the importance of staying vigilant in a rapidly changing landscape. Connect further with Ofer Shapira at LinkedIn https://www.linkedin.com/in/ofer-shapira/ or https://www.soteriamarket.com.Unlock elite low risk investment opportunities tailored to your priorities. Let our expert team maximize your returns while you focus on what matters most. Join our family of successful investors creating a lasting legacy of financial wealth and community impact together. Start or elevate your portfolio today. Email bill@firstliencapital.com or go to https://www.firstliencapital.com to invest with us.To learn more, visit:https://billbymel.com/Listen to more episodes on Mission Matters:https://missionmatters.com/author/bill-bymel/

Enjoy this unique conversation with Christian Etienne, a seasoned expert in the real estate and reverse mortgage world. Recognized as an industry expert, Christian and his teams have managed and liquidated more than 80,000 real estate assets nationwide for a variety of GSEs, large banking institutions, and private equity portfolios.From his early days in South Louisiana to his current life in the Houston suburbs, Christian's career trajectory - from title insurance to mastering the nuances of reverse mortgages - offers a rare glimpse into the challenges and responsibilities in this niche industry. We examine the changing landscape of the mortgage and real estate markets post-Global Financial Crisis and the pressures it faces today. Rising taxes, insurance costs, and the specter of mortgage defaults in hurricane-prone areas signal potential mortgage defaults, while the commercial real estate sector grapples with its own set of challenges amidst new retail developments and the persistent issue of vacant office spaces, all compounded by rising interest rates. This episode serves as a comprehensive guide for investors and asset managers, highlighting the strategic decisions necessary amidst these market fluctuations and the anticipation of future adjustments. Connect further with Christian Etienne at LinkedIn https://www.linkedin.com/in/cdetienne/.Unlock elite low risk investment opportunities tailored to your priorities. Let our expert team maximize your returns while you focus on what matters most. Join our family of successful investors creating a lasting legacy of financial wealth and community impact together. Start or elevate your portfolio today. Email bill@firstliencapital.com or go to https://www.firstliencapital.com to invest with us.Stay connected with Bill Bymel and First Lien Capital:Linktree: https://linktr.ee/billbymelTo learn more, visit:https://billbymel.com/Listen to more episodes on Mission Matters:https://missionmatters.com/author/bill-bymel/

In this episode of Real Estate Lowdown you'll hear the journey of Darcy Marler, a seasoned real estate developer and educator, who traded his IT career in South America for a life of building innovation in Canada - transforming empty lots into vibrant homes and communities.Darcy captivates with his stories of traditional fix-and-flip ventures to breaking new ground with vacant lots and teardown properties, and so much more of literally reshaping the real estate landscape.We explore how demographic shifts and the rigorous permit processes influence market trends, take a critical look at the risk of overbuilding and the financial hurdles of extending city infrastructure, and re-evaluate traditional development strategies amidst a rapidly changing environment.Darcy passionately equates the development process to artistry, emphasizing personal fulfillment and community value, while also sharing his commitment to mentoring the next generation of developers. Prepare to be inspired by a forward-thinking narrative that challenges conventional approaches and encourages embracing innovation in real estate.Connect further with Darcy Marler at darcymarler.com or LinkedIn https://www.linkedin.com/in/darcy-marler-27b81831/.Unlock elite low risk investment opportunities tailored to your priorities. Let our expert team maximize your returns while you focus on what matters most. Join our family of successful investors creating a lasting legacy of financial wealth and community impact together. Start or elevate your portfolio today. Email bill@firstliencapital.com or go to https://www.firstliencapital.com to invest with us.Stay connected with Bill Bymel and First Lien Capital:Linktree: https://linktr.ee/billbymelTo learn more, visit:https://billbymel.com/Listen to more episodes on Mission Matters:https://missionmatters.com/author/bill-bymel/

Welcome to 2025 friends! You know these Coffee with Bill chats are always straight talk, and as I sit here with my steaming cup of Nespresso Bianco Forte, I can't help but feel both excited and contemplative about what's in store for all of us in this fascinating industry. We dive into the seismic shifts reshaping both commercial and residential real estate. From game-changing rate hikes to the hidden risks lurking in bank portfolios, the traditional 'safe harbor' of real estate investment needs a fundamental reset.I can tell you what we're seeing now is just the beginning of a transformation that will reshape how we think about real estate investing and rewrite the rules of how we do it right, and First Lien Resolutions is the innovative solution at the helm helping banks navigate these turbulent waters. Let's uncover:• Why the concentration of stock market gains in a handful of companies signals a crucial return to real estate investment fundamentals• Smart techniques to ensure your real estate deals are fundamentally sound• How climate change is quietly transforming property values and insurance landscapes• The surprising shift from private equity to family offices in real estate investment• Why tomorrow's real estate technology (think autonomous drones) isn't just sci-fi anymoreAt First Lien Capital, we believe in the power of investing that matters, where profits meet purpose. Through our partnership with H.O.M.E.S. Inc., we've contributed over $300K to transform the lives of young adults by providing housing, education, and career opportunities.Unlock elite low risk investment opportunities tailored to your priorities. Let our expert team maximize your returns while you focus on what matters most. Join our family of successful investors creating a lasting legacy of financial wealth and community impact together. Start or elevate your portfolio today. Email bill@firstliencapital.com or go to https://www.firstliencapital.com to invest with us.To learn more, visit:https://billbymel.com/Listen to more episodes on Mission Matters:https://missionmatters.com/author/bill-bymel/

Ron McMahan, Founder & CEO of Foundation Specialty Finance, as well as experienced principal investor, fund manager and loan originator, is sharing lessons learned on ethical challenges and innovative solutions from over two decades in the industry. This episode is for the investor aligned with avoiding predatory practices and making ethical and smart investment decisions in any market.Ron's career is marked by strategic foresight and collaboration with giants like Goldman Sachs and Fortress Investments. His commitment to helping families remain in their homes shines through, with a success rate twice the industry average, and his role in reshaping the landscape of distressed real estate investments is nothing short of legendary.In this thought-provoking episode, we tackle the ethical challenges within the mortgage lending arena. Ron brings to light the importance of empathy and innovation in restructuring loans, highlighting strategies such as loan modifications and cash-for-keys that offer relief and dignity to struggling homeowners.Through Ron's transformative approach, there's a powerful message about the essential shift toward sustainable and compassionate practices in managing distressed loans. The very principle that First Lien Capital operates from - which you can read about in Win-Win Revolution: An Insider's Guide to Investing in the Secondary Mortgage Market (https://a.co/d/ao9Cokf).Connect further with Ron McMahan at https://foundationspecialtyfinance.com or LinkedIn linkedin.com/in/ron-mcmahan-m-s-73063729a.Join a fund that doesn't just generate returns – it changes lives. Let our expert team maximize your returns while you focus on what matters most. Join our family of successful investors creating a lasting legacy of financial wealth and community impact together. Start or elevate your portfolio today. Email bill@firstliencapital.com or go to https://www.firstliencapital.com to invest with us.To learn more, visit:https://billbymel.com/Listen to more episodes on Mission Matters:https://missionmatters.com/author/bill-bymel/

Alex Goldovsky, the visionary founder and CEO of ProTitleUSA, joins us for a fascinating conversation about the sweeping changes AI is bringing to the real estate and finance sectors. Learn the inside secrets of how Alex has transformed his business from a traditional title work provider into multiple cutting-edge companies serving the capital markets.His ventures, including DocSolutionUSA for document preparation and One Diligence, an AI-based due diligence firm, highlight how technology and creativity are reshaping industry practices.We ponder the potential of AI to fully automate assignments and transform the industry landscape. By making AI more cost-effective and efficient, we explore how the role of AI is expanding to enhance customer experience, manage loan guidelines, and streamline real estate transactions - highlighting the cutting-edge developments that are leading to a comprehensive overhaul of compliance and risk management, ensuring accuracy and reducing human errors in loan processes.This episode is not just a glimpse into the future, but an inspiring dialogue that promises to equip you with valuable insights and a fresh perspective on the real estate sector's exciting future.Connect further with Alex Goldovsky at LinkedIn https://www.linkedin.com/in/alex-goldovsky-550b491/ or one of his companies https://protitleusa.com, https://www.onediligence.com, http://www.docsolution.com.Unlock elite low risk investment opportunities tailored to your priorities. Let our expert team maximize your returns while you focus on what matters most. Join our family of successful investors creating a lasting legacy of financial wealth and community impact together. Start or elevate your portfolio today. Email bill@firstliencapital.com or go to https://www.firstliencapital.com to invest with us.Stay connected with Bill Bymel and First Lien Capital:Linktree: https://linktr.ee/billbymelTo learn more, visit:https://billbymel.com/Listen to more episodes on Mission Matters:https://missionmatters.com/author/bill-bymel/

Buckle up for an intriguing adventure through three decades of real estate evolution with Mike Morawski – a true maverick who transformed from a local residential agent to Chief Investment Officer of a successful multi family hedgefund.Mike pulls back the curtain on his remarkable path from general contracting to managing a $100 million enterprise, revealing the grit, strategy, and resilience that propels success.What does it really take to thrive in an industry that never stands still? Mike's story is a masterclass in adaptability. From navigating market upheavals to pioneering the art of converting struggling office spaces into vibrant apartment communities, he's sharing unfiltered insights about surviving – and ultimately thriving – in the real estate landscape.You'll discover:• Unexpected pivot points that can reshape careers• How strategic networking can be your most powerful asset• The untapped potential in distressed real estate assets• Lessons in resilience that extend far beyond property investmentWhether you're a budding real estate professional or a seasoned investor, our discussion proves that success isn't about avoiding storms, but learning to dance in the rain. Get ready for an episode that's part adventure, part masterclass, and entirely inspiring.Connect further with Mike Morawski at https://mikemorawski.com or LinkedIn https://www.linkedin.com/in/michael-morawski/.Unlock elite low risk investment opportunities tailored to your priorities. Let our expert team maximize your returns while you focus on what matters most. Join our family of successful investors creating a lasting legacy of financial wealth and community impact together. Start or elevate your portfolio today. Email bill@firstliencapital.com or go to https://www.firstliencapital.com to invest with us.Stay connected with Bill Bymel and First Lien Capital:Linktree: https://linktr.ee/billbymelLet's connect: https://calendly.com/billbymel/first-lien-capital-fund2To learn more, visit:https://billbymel.com/Listen to more episodes on Mission Matters:https://missionmatters.com/author/bill-bymel/

Discover the Finnish-inspired technology that's revolutionizing real estate, with our guest, Brian Charlesworth, co-creator of Sisu, a real estate analytics and transaction management software that's empowering real estate teams and brokerages to exceed their own expectations.We discuss:- Sisu's Finnish-inspired ethos of pushing beyond perceived limits and how it turns that philosophy into practical tools for real estate teams.- Brian's journey from Housemaster Home Inspections to co-creating a tool that is redefining modern real estate management.- Pre-listing packets and other tools that can increase conversion rates and showcase an agent's value more effectively.Connect further with Brian Charlesworth at https://sisu.co or LinkedIn https://www.linkedin.com/in/briancharlesworth/. At First Lien Capital, we believe in the power of investing that matters, where profits meet purpose. This year, through our partnership with H.O.M.E.S. Inc., we've contributed over $300,000 to transform the lives of young adults by providing housing, education, and career opportunities.First Lien Capital's NPL Opportunity Fund is achieving remarkable, consistent, mid-teen returns, year after year with our time-tested strategy of acquiring notes from banks, distressed sponsors, or the federal government, all at significant discounts to both the outstanding debt and the underlying real estate value.Join a fund that doesn't just generate returns – it changes lives. Act quickly - this fund closes to new investors December 15, 2024.Our track record speaks for itself: ✓ Team with deep expertise in debt markets✓ 1.5x equity multiple in just 2-3 years✓ First lien position = maximum security✓ All Real estate-backed investments✓ Proven performance across market cyclesLet's connect: https://calendly.com/billbymel/first-lien-capital-fund2To learn more, visit:https://billbymel.com/Listen to more episodes on Mission Matters:https://missionmatters.com/author/bill-bymel/

This episode is a quick masterclass for anyone interested in understanding market dynamics and the socio-economic forces that shape housing landscapes. Through personal anecdotes and historical reflections, we explore how past patterns can illuminate present trends and potentially forecast future downturns. Join me as we unravel a century's worth of lessons from Florida's real estate history, beginning with the 1920s frenzy that might have set the stage for the Great Depression and other important factors that shaped the Sunshine State's market over the years. Inspired by Christopher Knowlton's book, Bubble in the Sun, we dissect the cyclical nature of this vibrant market, reflecting on personal experiences and observations from cities like Tampa, Orlando, and Miami. With stories of investments in Miami's Brickell and Edgewater areas, we discuss the effects of the 40-year recertification requirements following the Surfside collapse on property values, providing a rich perspective on the evolving intricacies of Florida real estate and why history is still a vital teacher.Tune in to understand how these market cycles impact not just real estate but the broader socio-economic environment for residents and investors alike.At First Lien Capital, we believe in the power of investing that matters, where profits meet purpose. This year, through our partnership with H.O.M.E.S. Inc., we've contributed over $300,000 to transform the lives of young adults aging out of foster care - providing housing, education, and career opportunities.This is your opportunity to join a fund that doesn't just generate returns – it changes lives. But act quickly - our First Lien NPL Opportunity Fund closes to new investors on December 15, 2024.Consistent mid-teen annual returns1.5x equity multiple in 2-3 yearsFirst lien position securityReal estate-backed investmentsMeasurable social impactTo learn more, visit:https://billbymel.com/Listen to more episodes on Mission Matters:https://missionmatters.com/author/bill-bymel/

Grab your coffee and join me for an adventure across continents to focus on the rich historical and cultural landscapes of Europe and the Middle East, understanding how diverse traditions, historical contexts, and cultural nuances shape business practices and global finance dynamics.In this episode we explore the complexities of the European and Middle Eastern debt markets and the efforts of the European Union to harmonize financial regulations among its member countries. By examining the transparency variations in secondary loan markets across Europe, the Middle East, and the United States, we uncover the subtle yet profound ways globalization reshapes local business environments.A pivotal moment in this financial evolution is the new EU directive on non-performing loan sales, effective January 2024. This landmark regulation aims to standardize disclosure obligations, promising to attract investors by bringing unprecedented transparency to banking practices. While implementation varies across member states - reflecting the diversity of legal systems - the directive represents a significant step toward a more integrated financial ecosystem.The Middle East offers an equally compelling narrative of economic transformation. Countries like the UAE and Saudi Arabia are boldly diversifying beyond oil, creating investment landscapes that challenge traditional perceptions and invite global financial engagement.These developments are more than mere policy changes - they represent a broader narrative of economic adaptation, where local traditions and global ambitions converge to redefine financial possibilities.Unlock elite low risk investment opportunities tailored to your priorities. Let our expert team maximize your returns. Join our family of successful investors creating a lasting legacy of financial wealth and community impact together. Email bill@firstliencapital.com or go to https://www.firstliencapital.com.To learn more, visit:https://billbymel.com/Listen to more episodes on Mission Matters:https://missionmatters.com/author/bill-bymel/

Step inside the innovative world of Stoic Equity Partners, a firm dedicated to acquiring and managing multi-tenant value-add flex industrial properties across the Southeast. In this episode, we dive deep into the significance of these unique commercial spaces and their resilience against the work-from-home revolution.Join us as Jeremy Friedman, CEO & Co Founder, shares his insider's perspective on the vital role these flex industrial properties play in supporting the thriving small business community. Discover how these spaces, often overlooked, offer a refuge from the tides of remote work, providing the essential infrastructure for entrepreneurs to grow and thrive.But this conversation doesn't shy away from the challenges facing the industry. We tackle the complex realities of skyrocketing insurance costs in hurricane-prone regions, soaring construction expenses and the cyclical nature of the market. You'll gain a comprehensive understanding of the obstacles and opportunities facing real estate today.Prepare to be enlightened and inspired as we explore a fresh perspective on a niche that is redefining the future of commercial real estate. This is an episode you won't want to miss, as we uncover the intricacies of the flex industrial market.Connect further with Jeremy Friedman at https://www.stoicep.com or LinkedIn https://www.linkedin.com/in/jeremy-friedman-stoicep/Unlock elite low risk investment opportunities tailored to your priorities. Let our expert team maximize your returns while you focus on what matters most. Join our family of successful investors and create a lasting legacy of financial wealth and community impact together. Start or elevate your portfolio today. Email bill@firstliencapital.com or go to https://www.firstliencapital.com.Stay connected with Bill Bymel and First Lien Capital:Linktree: https://linktr.ee/billbymelTo learn more, visit:https://billbymel.com/Listen to more episodes on Mission Matters:https://missionmatters.com/author/bill-bymel/

Step into the real estate world where profit meets purpose and affordable housing innovation with Jaymie Beckett, CEO of Housing on Merit, a Los Angeles, CA nonprofit organization that partners in developing affordable housing and building communities.In this powerful episode, discover how Housing on Merit is rewriting the affordable housing playbook, creating win-win scenarios through strategic partnerships and smart financing. Jaymie breaks down how developers can tap into underutilized resources – from tax exemptions to government incentives – while expanding their impact.Get exclusive insights into:• How developers can leverage affordable housing initiatives for sustainable growth• Creative partnership models that benefit both communities and stakeholders• Real-world strategies for navigating tax incentives and government programs• Emerging opportunities in the shifting interest rate landscapeWhether you're a developer seeking new opportunities, an investor interested in social impact, or a community advocate passionate about housing solutions, this conversation reveals how innovation in affordable housing isn't just about doing good – it's about doing well while doing good.Ready to explore how you can be part of the solution? Don't miss Jaymie's invitation to collaborate and create lasting change in communities.Connect further with Jaymie Beckett at https://housingonmerit.org or LinkedIn https://www.linkedin.com/in/jaymie-beckett-6281772/.Unlock elite low risk investment opportunities tailored to your priorities. Let our expert team maximize your returns while you focus on what matters most. Join our family of successful investors and create a lasting legacy of financial wealth and community impact together. Start or elevate your portfolio today. Email bill@firstliencapital.com or go to https://www.firstliencapital.com.Stay connected with Bill Bymel and First Lien Capital:Linktree: https://linktr.ee/billbymelTo learn more, visit:https://billbymel.com/Listen to more episodes on Mission Matters:https://missionmatters.com/author/bill-bymel/

Andrew Kim, a seasoned expert in real estate investment, pulls back the curtain on contrasting climates of real estate investing in Canada and the U.S. and why Andrew chooses to invest in the more landlord-friendly U.S. market, due to the challenges Canadian landlords face from tenant-friendly laws.Get an insider's look at SHARE, the game-changing real estate tech company that's democratizing property investment and providing top-tier services that empower investors, transforming how everyday people build wealth through real estate.In this eye-opening episode, discover:• Why U.S. markets are becoming the go-to choice for savvy Canadian investors• How SHARE's innovative platform is leveling the playing field for individual investors• Strategic approaches to building a diverse, cross-border property portfolio• Smart ways to align your real estate investments with your wealth-building goalsJoin us for this discerning episode of exploring strategies for diversifying and expanding your real estate investments beyond local borders or familiar territories, and tailoring your investment strategies to your personal financial goals.Connect further with Andrew Kim at https://sharesfr.com or LinkedIn https://www.linkedin.com/in/andrewkim83/.Unlock elite low risk investment opportunities tailored to your priorities. Let our expert team maximize your returns while you focus on what matters most. Join our family of successful investors and create a lasting legacy of financial wealth and community impact together. Start or elevate your portfolio today. Email bill@firstliencapital.com or go to https://www.firstliencapital.com.Stay connected with Bill Bymel and First Lien Capital:Linktree: https://linktr.ee/billbymelTo learn more, visit:https://billbymel.com/Listen to more episodes on Mission Matters:https://missionmatters.com/author/bill-bymel/

Tomorrow is Bid Day! As we gear up for a major HUD auction, amidst the whirlwind of activities and decisions involved in preparing bids, the air is electric with anticipation. I'm reminded of the power of purpose, passion and persistence that has not only fueled over 120 episodes of this Real Estate Lowdown podcast, but also the collective intentions of our team at First Lien Capital for the last several years.As we navigate the intricate world of real estate investing, continually growing our portfolio with our clients at the forefront of our decisions, the stakes are high with this major HUD auction at a whole new level. With 2,700 homes to consider, the challenge is to strategically narrow this vast pool to fewer than 400 properties that align with our Win-Win investing model, a task that demands both precision and creativity. Operating without the cushion of a large institutional fund adds layers of complexity, but it also sharpens our resolve and resourcefulness in securing funding and closing deals.This episode captures the spirit of preparation and the consequential moments that define character in the face of uncertainty. With strategies honed and espresso in hand, I approach tomorrow's pivotal auction with confidence and a dash of hope. Join me as I share my experience and some valuable strategy - without divulging all of our secret sauce - from the front lines of pre Bid Day.Unlock elite low risk investment opportunities tailored to your priorities. Let our expert team maximize your returns while you focus on what matters most. Join our family of successful investors and create a lasting legacy of financial wealth and community impact together. Start or elevate your portfolio today. Email bill@firstliencapital.com or go to https://www.firstliencapital.com.Stay connected with Bill Bymel and First Lien Capital:Linktree: https://linktr.ee/billbymelTo learn more, visit:https://billbymel.com/Listen to more episodes on Mission Matters:https://missionmatters.com/author/bill-bymel/

Rod Dubitsky, known as the People's Economist, joins us for an enlightening conversation on the complex world of commercial real estate. With over three decades of experience in financial services, Rod offers invaluable insights into the ongoing challenges faced by the industry and introduces his initiative aimed at democratizing personal finance tools, providing listeners with a comprehensive approach to managing their finances.We navigate the murky waters of traditional balance sheet lenders versus the more speculative financialized sector, revealing a landscape fraught with "extend and pretend" practices and delayed foreclosures. As we shift gears, we focus on the precarious state of the Commercial Real Estate Collateralized Loan Obligations (CRE CLO) market, where striking parallels to the 2007-2008 financial crisis emerge. Shockingly, about 80% of these deals struggle with a debt service coverage ratio below one. This episode sheds light on the tactics CLO sponsors are employing to maintain the appearance of stability, and the potential repercussions on the broader financial ecosystem. The conversation reveals the unsettling reality of high loan modifications and redefaults, painting a vivid picture of a market on the brink.Finally, we explore the broader trends impacting real estate, from demographic shifts to economic fundamentals. As we contemplate the sustainability of asset valuations amidst rising interest rates and climate change, the episode urges a return to economic basics. Join us as we emphasize the significance of informed investment and encourage ongoing dialogue on these critical issues.Connect further with Rod Dubitsky at https://www.tpehub.com/ or LinkedIn linkedin.com/in/rod-dubitsky-0aa94118.Unlock elite low risk investment opportunities tailored to your priorities. Let our expert team maximize your returns while you focus on what matters most. Join our family of successful investors and create a lasting legacy of financial wealth and community impact together. Start or elevate your portfolio today. Email bill@firstliencapital.com or go to https://www.firstliencapital.com.To learn more, visit:https://billbymel.com/Listen to more episodes on Mission Matters:https://missionmatters.com/author/bill-bymel/

Join us for a compelling conversation with Vernon Beckford, CEO of Diversified Lending Solutions, as we unearth the challenges and solutions shaping today's real estate landscape. From the looming impact of rising interest rates to the unforeseen financial strains brought about by floating rate debts, we explore how these factors are reshaping investment strategies.We're dissecting the distortions in both residential and commercial real estate sectors. Vernon's insights guide us through innovative strategies such as recapitalization and gap funding, while offering a candid look at the psychological hurdles investors must overcome to protect their assets.In a market where traditional financing falters, we examine the challenges lenders face with a scarcity of viable deals, and discuss strategies for securing advantageous debt, including the need for adaptable funding sources like mezzanine or preferred equity. With an eye on the approaching maturity wall in commercial mortgage-backed securities, we consider the potential for increased transactions and uncover promising opportunities in multifamily properties and alternative asset classes.Get tactical advice on litmus testing, objection smoothing, loan de-risking, and fact filtering to successfully close deals in these trying times. This episode is a rich exploration of present challenges and future promises in the ever-evolving real estate market.Connect further with Vernon Beckford at https://www.dlsloans.com or LinkedIn https://www.linkedin.com/in/vernon-beckford-77ba17/.Unlock elite low risk investment opportunities tailored to your priorities. Let our experts maximize your returns while you focus on what matters most. Join our family of successful investors and create a lasting legacy of financial wealth and community impact together. Start or elevate your portfolio today. Email bill@firstliencapital.com or go to https://www.firstliencapital.com.To learn more, visit:https://billbymel.com/Listen to more episodes on Mission Matters:https://missionmatters.com/author/bill-bymel/

Shauna Wekherlien, the Tax Goddess, is a two-time published author and the Founder of Tax Goddess Business Services, a fully digital firm with a skilled team worldwide that have saved their clients over $1 billion in taxes - a testament to her meticulous approach and the trust she's built in the industry.Shauna shares her incredible journey from studying astrophysics to becoming one of the nation's leading tax strategists. With a passion likened to a strategic game of chess, she recounts the story of how her career began by helping her mother with an IRS issue, ultimately leading to her passion for the field.Her expertise, once reserved for top corporations, now empowers small businesses and entrepreneurs to optimize their tax strategies. As one of only 15 certified tax strategists in the U.S., Shauna and her team collaborate seamlessly with clients' financial teams, crafting robust, compliant tax plans. Just a hint of the gold shared in this episode:• Her firms unique strategy to keep audits minimal• Navigating the complexities of real estate and mortgage note industries• The aggression scale of tax filings and how to tailor your specific risk tolerance• Strategic tax planning to transform your financial and generational wealthShauna's insights are a masterclass in maximizing tax benefits while staying on the right side of the law, with a fresh perspective on tax strategy, making it relatable and actionable.Connect further with Shauna Wekherlien, the Tax Goddess at https://taxgoddess.com or LinkedIn https://www.linkedin.com/in/taxgoddess/.Unlock elite low risk investment opportunities tailored to your priorities. Let our experts maximize your returns while you focus on what matters most. Join our family of successful investors and create a lasting legacy of financial wealth and community impact together. Start or elevate your portfolio today. Email bill@firstliencapital.com or go to https://www.firstliencapital.com.To learn more, visit:https://billbymel.com/Listen to more episodes on Mission Matters:https://missionmatters.com/author/bill-bymel/

Have you been thinking it's time to sell your second home investment for a new location? Before you do, you'll want to listen to this episode of the Real Estate Lowdown.Join us for this groundbreaking discussion on luxury vacation home ownership with our guest Wade Shealy, leader in resort real estate development and visionary founder behind THIRDHOME, the only luxury exchange club in the world that includes second homes, residence clubs, resorts, yachts, and private islands. Prepare to have your perspective on second home real estate transformed as Wade unveils how this innovative private network is redefining the experience for luxury second homeowners worldwide and revolutionizing the way families utilize their vacation homes.Get exclusive insights into this game-changing platform that connects owners to a network of 18,000 breathtaking properties across 100 countries, offering a unique way to exchange vacation homes without the hassle and cost of traditional rentals.Position yourself at the forefront of a seismic shift reshaping the way families experience global travel and luxury living, potentially influencing your future investment decisions and travel plans. Whether you're a current homeowner or aspiring to join the ranks of luxury property investors, this episode offers invaluable insights into maximizing the potential of your assets while indulging in unparalleled travel exchange opportunities. Connect Further with Wade Shealy at https://www.thirdhome.com or LinkedIn https://www.linkedin.com/in/wadeshealy/.Unlock elite low risk investment opportunities tailored to your priorities. Let our experts maximize your returns while you focus on what matters most. Join our family of successful investors and create a lasting legacy of financial wealth and community impact together. Start or elevate your portfolio today. Email bill@firstliencapital.com or go to https://www.firstliencapital.com.To learn more, visit:https://billbymel.com/Listen to more episodes on Mission Matters:https://missionmatters.com/author/bill-bymel/

Every morning starts with my beloved Nespresso, a ritual that has become a metaphor for the quality I strive to maintain in every aspect of my life and business. From my beginnings in the film industry to my current role in real estate investing, I've learned that prioritizing high standards of excellence over rapid expansion can lead to more meaningful successes and loyal clients.Let's discuss the complexities of balancing quality with growth in the business world and the true value of quality before quantity in building a robust and reliable business.Whether it's choosing loyalty to Olive Garden over another Italian restaurant or our unwavering dedication to managing non-performing loans (NPLs) with meticulous care, leading to resolutions three times faster than our competitors, our quality-first approach highlights expertise that only occurs through experience mastery.As CEO and Chief Investment Officer of First Lien Capital, now considering our next level scaling of our operations, we confront the ongoing challenge of upholding our high standards while aiming for profitability. Tune in to hear our journey from managing over $100 million in equity capital to contemplating billion-dollar Assets Under Management, all while standing strong in our intention to maintain excellence in investment management. This episode is a deep dive into valuable lessons of the ongoing effort of balancing quality with profitability, to elevate all our personal and professional endeavors.Unlock elite low risk investment opportunities tailored to your priorities. Let our experts maximize your returns while you focus on what matters most. Join our family of successful investors and create a lasting legacy of financial wealth and community impact together. Start or elevate your portfolio today. Email bill@firstliencapital.com or go to https://www.firstliencapital.com.Stay connected with Bill Bymel and First Lien Capital:Linktree: https://linktr.ee/billbymelTo learn more, visit:https://billbymel.com/Listen to more episodes on Mission Matters:https://missionmatters.com/author/bill-bymel/

Join us as we welcome long-time business partners and best friends, Mike Merrigan and Bo Kort, to share their perspective on how to find your unique edge in the real estate industry and some secrets behind utilizing that edge to fund any real estate deal.You'll gain actionable insights into personal branding, exceptional service and unforgettable client experiences.As well as how to reinvest profits into undervalued, cash-flowing properties, why Mike and Bo favor ownership and partnerships over syndications, and their innovative approach to converting big-box retail spaces into climate-controlled storage units. This episode is packed with valuable lessons on partnerships, patience, and the power of a collaborative approach in building a sustainable and profitable real estate portfolio.Connect further with Mike Merrigan and Bo Kort at https://mikeandbo.biz.Unlock elite low risk investment opportunities tailored to your priorities. Let our experts maximize your returns while you focus on what matters most. Join our family of successful investors and create a lasting legacy of financial wealth and community impact together. Start or elevate your portfolio today. Email bill@firstliencapital.com or go to https://www.firstliencapital.com.Stay connected with Bill Bymel and First Lien Capital:Linktree: https://linktr.ee/billbymelTo learn more, visit:https://billbymel.com/Listen to more episodes on Mission Matters:https://missionmatters.com/author/bill-bymel/

Tune in to this episode of Real Estate Lowdown as we reveal powerful straightforward strategies for genuine connection-building at industry events. Learn how to effortlessly grow your network and boost your portfolio through authentic interactions. Gina Gallutia, Executive Director of Memberships at Five Star Institute joins me on the podcast to share her pivotal role in shaping the content and member experience at Five Star's renowned conferences and remind us that events are a cornerstone for fostering essential collaboration among banks, servicers, attorneys, real estate agents, and investors.Peek behind the curtain of the Five Star Conference to understand why it's a must-attend for serious professionals in the industry. Our conversation reveals the intricate dance of establishing trust, building connections and securing collaborations in this ever-shifting landscape. Get your ticket for the 2024 Five Star Conference at https://www.fivestarconference.com.Connect further with Gina Gallutia on LinkedIn https://www.linkedin.com/in/gina-gallutia/.Unlock elite low risk investment opportunities tailored to your priorities. Let our experts maximize your returns while you focus on what matters most. Join our family of successful investors and create a lasting legacy of financial wealth and community impact together. Start or elevate your portfolio today. Email bill@firstliencapital.com or go to https://www.firstliencapital.com.Stay connected with Bill Bymel and First Lien Capital:Linktree: https://linktr.ee/billbymelTo learn more, visit:https://billbymel.com/Listen to more episodes on Mission Matters:https://missionmatters.com/author/bill-bymel/

Johnney Zhang is CEO of Primior, a real estate asset management firm with over $1 billion AUM, developing $500M+ luxurious properties in SoCal. Johnney joins me on the Real Estate Lowdown to share his remarkable journey from his teenage years in Wuhan, China to becoming a powerhouse in the US real estate market. This episode is a masterclass in the compelling intersection of technology and real estate, and the spirit and resilience that fuels success.Johnney's story is one of overcoming adversity, from facing racism and cultural challenges to dealing with unscrupulous business partners. Despite these hurdles, he has built a luxury real estate empire and now manages over $1 billion in assets. Take copious notes as you learn about Johnny's innovative approach to real estate investing, including his latest venture in real estate tokenization and how blockchain technology is set to disrupt traditional real estate by boosting liquidity, slashing costs, and enhancing security measures. Johnney offers a glimpse into the future of property transactions and the potential hurdles at the cutting-edge intersection of technology and real estate. The future of real estate investment is here, with exciting possibilities, and Johnney is at the forefront utilizing blockchain technology. Connect further with Johnney Zhang at https://johnneyzhang.com and LinkedInhttps://www.linkedin.com/in/johnneyyzhang/.Unlock elite low risk investment opportunities tailored to your priorities. Let our experts maximize your returns while you focus on what matters most. Join our family of successful investors and create a lasting legacy of financial wealth and community impact together. Start or elevate your portfolio today. Email bill@firstliencapital.com or go to https://www.firstliencapital.com.Stay connected with Bill Bymel and First Lien Capital:Linktree: https://linktr.ee/billbymelTo learn more, visit:https://billbymel.com/Listen to more episodes on Mission Matters:https://missionmatters.com/author/bill-bymel/

This episode welcomes Courtney Thompson, EVP of Servicing at CMG Financial and Founder of Consigliera, to discuss the intricate relationship between climate change and the mortgage industry. We explore the challenges the mortgage industry faces in embracing climate change, reflecting on the personal and societal impacts of these issues, and consider the hopeful future driven by the next generation of professionals.Listen in as we examine the profound impact of climate change on real estate, with a focus on the mortgage industry. We navigate the critical need to separate politics from the conversation to highlight the real financial and personal consequences of climate events. From the immediate effects on homeowners to the broader economic implications such as rising insurance rates, we scrutinize how institutions like the FHA, Fannie Mae, and Freddie Mac are integrating climate risk into their models and policies, emphasizing the urgency of meaningful action.Our discussion shifts to the intricate complexities of mortgage servicing and regulatory challenges. We discuss the pitfalls of inexperienced regulatory frameworks and the shift towards a more customer-centric approach in mortgage servicing. Courtney offers her unique insights into the evolution of building a modern mortgage servicing operation at CMG, addressing outdated technology, and the significance of creating a robust infrastructure to support high-quality service delivery. Connect further with Courtney Thompson at https://www.consigliera.com or on LinkedIn https://www.linkedin.com/in/croschekthompson/.Unlock elite low risk investment opportunities tailored to your priorities. Let our experts maximize your returns while you focus on what matters most. Join our family of successful investors and create a lasting legacy of financial wealth and community impact together. Start or elevate your portfolio today. Email bill@firstliencapital.com or go to https://www.firstliencapital.com.To learn more, visit:https://billbymel.com/Listen to more episodes on Mission Matters:https://missionmatters.com/author/bill-bymel/

Ever wondered how to ethically manage defaulted mortgage debt while navigating the volatile real estate market? In this episode we tackle these complex issues and more head-on. Join us as Dave Gordon, Managing Director at ARC, brings his unique expertise at analyzing, buying and selling investment opportunities. We promise you'll gain a newfound understanding of the significant role that communication and thorough documentation play in mitigating equity loss and resolving legacy debts from the pandemic, and the importance of holding intelligent conversations to clear up common misconceptions about this industry.Get ready for a deep dive into the challenges and strategies as we unravel the intricacies of debt collection and mortgage servicing, and find out why we're often painted as the "bad guys" by the media, despite our best efforts. We tackle the negative stereotypes perpetuated by the media and shed light on the intricate realities borrowers and investors face. We discuss poignant cases that illustrate just how devastating poor financial advice can be and examine the current dislocation in the real estate market, from the fix-and-flip residential sector to multifamily properties facing refinancing hurdles due to rising interest rates.Concluding with a spotlight on the potential goldmine in defaulted paper and bridge lending, the potential profitability of low LTV residential investments and the anticipated uptick in bank foreclosures, particularly in the commercial sector. Connect further with Dave Gordon on LinkedIn https://www.linkedin.com/in/david-gordon-40610b7/.Unlock elite low risk investment opportunities tailored to your priorities. Let our experts maximize your returns while you focus on what matters most. Join our family of successful investors and create a lasting legacy of financial wealth and community impact together. Start or elevate your portfolio today. Email bill@firstliencapital.com or go to https://www.firstliencapital.com.To learn more, visit:https://billbymel.com/Listen to more episodes on Mission Matters:https://missionmatters.com/author/bill-bymel/

Join me on this inaugural episode of the "Coffee with Bill" series, where I share personal and industry insights that promise to educate, inspire, and cultivate innovation to accelerate your journey of growing your investment portfolio and generational wealth.In this first episode, I'm reflecting on the inevitability and benefits of change, sharing heartfelt moments from my recent 18-day trip to Europe with my daughter before she heads off to college. And sharing my experience on the importance of world travel, authentic family time, and the challenges and rewards of disconnecting from business in our quest for both personal and professional excellence. From personal evolution to navigating the turbulent waters of global politics and financial markets. Together, we'll explore the pressing calls for emergency meetings in the real estate sector and why embracing market cycles can be more beneficial than reacting impulsively. Start or elevate your portfolio today. Unlock elite low risk investment opportunities tailored to your priorities. Let our expert team maximize your returns while you focus on what matters most. Join our family of successful investors creating a lasting legacy of financial wealth and community impact together. Email bill@firstliencapital.com or go to https://www.firstliencapital.com.Stay connected with Bill Bymel and First Lien Capital:Linktree: https://linktr.ee/billbymelTo learn more, visit:https://billbymel.com/Listen to more episodes on Mission Matters:https://missionmatters.com/author/bill-bymel/

Stewart Heath, CEO of Harvard Grace Capital and a seasoned CPA, is on the podcast to reveal his interesting journey from being a CPA with a portfolio of real estate investing clients and a heavy dose of skepticism about real estate to being a passionate real estate investor himself. And he's sharing how interactions with his clients transformed his perception of real estate from a risky venture to a dependable path for slow, sustainable wealth-building. We're talking about misconceptions, importance of local market knowledge, complexities of financing, long-term stability and the essential role of housing in the economy, offering valuable perspectives on identifying opportunities amid broader economic shifts. With its stability, tax benefits, and leverageability, real estate stands as the original and most accessible asset.We delve into the evolution of real estate investment structures, provide a compelling analysis of the legislative changes in 1986 that reshaped the industry, and draw insightful parallels to the 2008 financial crisis and current trends in multifamily housing. And Stewart shares his views on the hybrid work model's impact on office demand and predicts that interest rates won't return to historical lows soon. Highlighting the timeless value of real estate investing, we echo John Rockefeller's wisdom: the best time to invest was five years ago, but the next best time is today. Connect further with Stewart Heath at https://harvardgracecapital.com.To securely invest with a partner that cares about your investment priorities and provides low risk with maximized returns, please consider joining our successful investing family and let us create a legacy of financial and community impact together. Please email bill@firstliencapital.com or go to https://www.firstliencapital.com.Stay connected with Bill Bymel and First Lien Capital:Linktree: https://linktr.ee/billbymelTo learn more, visit:https://billbymel.com/Listen to more episodes on Mission Matters:https://missionmatters.com/author/bill-bymel/

On this episode of Real Estate Lowdown we're demystifying the often unknown, but crucial world of insurance adjusting and the indispensable role of public adjusters.Andy Gurczak is the Founder of AllCity Adjusting, a licensed public adjusting firm with a focus on making sure their clients get what they truly deserve from their insurance claims. Over the last decade, Andy has not only protected thousands of people from being defrauded, but he has also helped them receive more money than what their insurance initially offered. Andy does a great job of explaining simply the labyrinth that is insurance claims, why having a dedicated advocate is crucial in an industry often skewed against the policyholder, and how public adjusters empower policyholders, especially in the real estate sector, to secure fair settlements. He takes us on a behind the scenes deep dive into the ethical dilemmas plaguing the insurance industry, where the pursuit of profit often leads to denied claims and disheartened consumers and sheds light on the tactics used by insurance companies.This episode examines the intricate dance between protecting against fraud and ensuring legitimate claims are honored. With practical advice on navigating insurance claims, avoiding common pitfalls, and the misconceptions about private insurance firms. Connect further with Andy at https://allcityadjusting.com.To securely invest with a partner that cares about your investment priorities and provides low risk with maximized returns, please consider joining our successful investing family and let us create a legacy of financial and community impact together. Please email bill@firstliencapital.com or go to https://www.firstliencapital.com.Stay connected with Bill Bymel and First Lien Capital:Linktree: https://linktr.ee/billbymelTo learn more, visit:https://billbymel.com/Listen to more episodes on Mission Matters:https://missionmatters.com/author/bill-bymel/

I'm welcoming Clint Harris, real estate investor and general partner at Nomad Capital, to the Real Estate Lowdown, who takes us through his journey from a highly demanding career in medical sales to achieving what he refers to as independence of purpose - where time, financial, and location independence merge together and you get to choose what's important for you and how you want to spend your life - and how he's doing this through real estate investing.Clint shares his investing adventures, starting with the purchase of a duplex, which ignited his passion for property investment. He recounts the hurdles of managing single-family homes and the transformative decision to invest in short-term vacation rentals, which lead to discovering a more innovative approach - self-storage syndication - transforming and repurposing large vacant retail spaces into profitable self-storage facilities. We all know that retirement planning is important and we also know the limitations of traditional savings vehicles like 401ks, so Clint and I are of course active proponents of the undeniable benefits of investing in inflation-resistant real estate. And this is yet another eye opening episode of actionable ways to either start utilizing real estate investments or adapting your investment strategies to secure your financial future.Connect further with Clint on LinkedIn https://www.linkedin.com/in/clint-harris-543265139/.To securely invest with a partner that cares about your investment priorities and provides low risk with maximized returns, please consider joining our successful investing family and let us create a legacy of financial and community impact together. Please email bill@firstliencapital.com or go to https://www.firstliencapital.com.Stay connected with Bill Bymel and First Lien Capital:Linktree: https://linktr.ee/billbymelTo learn more, visit:https://billbymel.com/Listen to more episodes on Mission Matters:https://missionmatters.com/author/bill-bymel/

DDC Financial Group is one of Europe's leading intelligence platforms for the distressed debt, non-performing loans and alternatives investing industries. They will be hosting their 11th annual DDC Investor Summit in Athens, Greece, November 14-15, 2024, which serves as a pivotal gathering for alternative investors and asset managers to discuss asset allocation, debt alternatives, distressed assets, NPLs, sustainable practices, and more.I've been invited to speak at the conference about the Evolution of ESG in Investment Decision-Making, so I wanted to have a conversation with Lee Pollard, Head of Business Development at DDC Financial Group and Martin Kunzmann, who currently leads content curation and event production for DDC Financial Group.Besides giving you a sneak peak into what you can expect at the summit in November, we explore the dynamic landscape of the European real estate market, with thriving investment opportunities in Greece and beyond.Lee and Martin share their expert perspectives on private equity, distressed investing, and private credit across Europe. We dissect the distinct differences between the US and European markets, especially in terms of banking accessibility and financial services, and delve into Europe's evolving alternative credit landscape post-2008. We close our conversation with a compelling analysis of the post-COVID landscape, shedding light on the surprising effects of government subsidies on non-performing loans in Greece, which has seen remarkable reforms.If you'd like more information to join us at the DDC Investor Summit in Athens, Greece please visit https://www.ddc-financial.com/athens2024.To securely invest with a partner that cares about your investment priorities and provides low risk with maximized returns, consider joining our successful investing family and let us create a legacy of financial and community impact together. Please email bill@firstliencapital.com or go to https://www.firstliencapital.com.To learn more, visit:https://billbymel.com/Listen to more episodes on Mission Matters:https://missionmatters.com/author/bill-bymel/

Join us for a compelling episode with the Marina Walsh, Vice President of Industry Analysis in MBA's Research and Economics Department, specializing in industry performance benchmarking for residential lenders and servicers.Marina shares her unique ability to make the world of finance captivating as we discuss the latest trends in mortgage delinquencies, highlighting both slight increases and historical lows, and future projections and innovative solutions for mortgage rates and the challenges they pose for homeowners, particularly in terms of taxes and insurance.Marina sheds light on the growth of non-QM and DSCR loan markets, the influence of short-term rentals on the housing market, and the surge in travel demand, all while weaving in her own professional insights. To cap it off, we discuss the broader economic shifts affecting business models and market dynamics, highlighting the need for strategic adaptation. Connect further with Marina on LinkedIn https://www.linkedin.com/in/marina-walsh-cmb-2570a69/.To securely invest with a partner that cares about your investment priorities and provides low risk with maximized returns, please consider joining our successful investing family and let us create a legacy of financial and community impact together. Please email bill@firstliencapital.com or go to https://www.firstliencapital.com.Stay connected with Bill Bymel and First Lien Capital:Linktree: https://linktr.ee/billbymelTo learn more, visit:https://billbymel.com/Listen to more episodes on Mission Matters:https://missionmatters.com/author/bill-bymel/

Unlock the secrets of today's commercial real estate market with Adam Gower Ph.D, founder of GowerCrowd.com and a 30+ year real estate veteran with over $1.5 billion of CRE investment and finance experience who today builds digital marketing systems for real estate professionals who want to raise equity capital online.Adam and I are talking about his experience managing over a billion dollars in investments, real estate syndication, crowdfunding and his unique insights into wealth preservation. I'm revealing some of First Lien Capital's innovative strategies for investing in sub-performing and non-performing first lien mortgages, including how he navigate acquisition opportunities from banks, GSEs, and secondary markets.Explore with us the economic and political factors shaping the market, including the Federal Reserve's stance on interest rates amid inflation concerns. Contrast the current banking flexibility with the rigidity seen during the global financial crisis and understand why distressed commercial assets haven't flooded the market as many predicted. And we're also sharing a few of our tips on enhancing your real estate brand and the importance of building trust for building your portfolio of investments.Connect further with Adam on LinkedIn https://www.linkedin.com/in/gowercrowd/, at www.GowerCrowd.com or email Adam@GowerCrowd.com or call us on 213-761-1000To securely invest with a partner that cares about your investment priorities and provides low risk with maximized returns, please consider joining our successful investing family and let us create a legacy of financial and community impact together. Please email bill@firstliencapital.com or go to https://www.firstliencapital.com.Stay connected with Bill Bymel and First Lien Capital:Linktree: https://linktr.ee/billbymelTo learn more, visit:https://billbymel.com/Listen to more episodes on Mission Matters:https://missionmatters.com/author/bill-bymel/

How does one transition from a civil industrial engineer to managing a real estate portfolio worth $2.1 billion? Join our conversation with Lane Kawaoka, a real estate powerhouse from Hawaii, as he takes us through his transformative journey from buying rental properties to leading massive syndications and private placements. Lane unveils the "Wealth Elevator," a revolutionary framework from his book that helps you identify your current financial stage and provides strategies to climb the wealth-building ladder.We zero in on the strategies that have fortified Lane's success in real estate; like securing top-notch, real estate-backed investments, maintaining a flawless track record on discounted loans, and why safety-first investment strategies are a game-changer. In the face of economic fluctuations and uncertain times, Lane offers a masterclass in strategic adaptation. He discusses potential scenarios like loan modifications and liquidity challenges, and forecasts a resurgence of inflation, advocating for real estate and commodities as key assets. Beyond real estate, Lane underscores the necessity of diversification into private equity and professional services, providing a robust defense against black swan events. Don't miss this discerning discussion on navigating your financial journey with the Wealth Elevator. Get your copy of The Wealth Elevator to find out which of the five floors of the Wealth Elevator you're currently at by visiting https://thewealthelevator.com/home/book/.Connect further with Lane at https://thewealthelevator.com.To securely invest with a partner that cares about your investment priorities and provides low risk with maximized returns, join our successful investing family and let us create a legacy of financial and community impact together. Please email bill@firstliencapital.com or go to https://www.firstliencapital.com.   Stay connected with Bill Bymel and First Lien Capital:Linktree: https://linktr.ee/billbymelTo learn more, visit:https://billbymel.com/Listen to more episodes on Mission Matters:https://missionmatters.com/author/bill-bymel/

Could the #commercialrealestate market be the ticking time bomb that triggers the next #economicrecession? Non-performing loans, steeply discounted commercial assets, and high deficits hiding deeper economic woes - my guest and I tackle these pressing issues head-on.From our June 12, 2024 Win-Win Webinar, I bring together three eminent voices in banking and real estate finance - William Erbey, President, Salt Pond Holdings, LLC, Bill Moreland, Partner, BankRegData.com and Chris Whalen, Chairman, Whalen Global Advisors LLC.In a riveting discussion, we unveil the hidden dangers of non-performing loans #npl that federal spending might be masking, unpack the inflationary threats posed by ballooning deficits, despite the Federal Reserve's efforts to control the situation, highlight the staggering debt and dwindling demand leading to deep discounts on asset sales, and take a deeper look into the escalating issues within the commercial loan sector of the #bankingindustry.From the challenges of repurposing commercial buildings to the factors reshaping the market to the opportunities and risks for investors, this episode promises a thought-provoking exploration of the intricate dynamics at play in today's economic and real estate landscapes.William Erbey on LinkedIn: https://www.linkedin.com/in/william-erbey-/Bill Moreland on LinkedIn: https://www.linkedin.com/in/bill-moreland-097586/Chris Whalen on LinkedIn: https://www.linkedin.com/in/rcwhalen/If your intention is to securely invest with a partner that cares about your investment priorities and provides low risk with maximized returns, please consider joining our successful investing family and let us create a legacy of financial and community impact together. Please email bill@firstliencapital.com or go to https://www.firstliencapital.com and press the INVEST button to be contacted by our team.    Stay connected with Bill Bymel and First Lien Capital:Linktree: https://linktr.ee/billbymelTo learn more, visit:https://billbymel.com/Listen to more episodes on Mission Matters:https://missionmatters.com/author/bill-bymel/