Shows
Debt DoctorBank Deceptive Practices Reshaping the Financial SystemBank deceptive practices aren’t rare — they’re embedded into the system. In this episode, Bill Bymel and expert guest Bill Moreland, founder of BankRegData, expose the quiet tactics big banks use to mask risk, manufacture stability, and keep regulators and the public in the dark. From the surge in NDFI (Non-Deposit Financial Institution) loans, to extend-and-pretend strategies, to balance-sheet games born from years of artificial rate suppression, this conversation breaks down the mechanisms that distort the true health of our financial system and the consequences investors need to prepare for. ...
2025-12-0354 minDebt DoctorHow Reverse Mortgage Auctions Are Creating a New Niche for InvestorsThe reverse mortgage market isn’t just growing, it’s evolving into a high-opportunity space for investors who know where to look. In this episode of Debt Doctor, Bill Bymel gives a peek behind the curtain into the Home Equity Conversion Mortgage (HECM) program, uncovering how these federally insured loans are reshaping investor access to residential assets. From eligibility requirements and tax obligations to the non-recourse nature of HECMs, Bill unpacks the structure behind one of the most misunderstood segments of housing finance. But the real alpha? HUD’s reverse mortgage foreclos...
2025-08-0748 min
Real Estate LowdownCoffee with Bill: The End of an Era While The Legacy Continues in a New VoiceIn this final episode of Real Estate Lowdown, I take a moment to reflect on the close of one chapter and the bold beginning of another. As I transition into my new podcast, Debt Doctor, I’m inviting you into a conversation that’s more than just a farewell - it’s a meditation on change, intention, and the cycles that shape both markets and life itself.We’re in the middle of a historic pivot. From the end of low-cost capital to the volatility of rising interest rates, the current transitional phase in the real esta...
2025-07-3030 minReal Estate LowdownThe New Rules of Real Estate and Why Success Now Requires a Bold Agent Reinvention with Melissa JusticeIn this episode of Real Estate Lowdown, I sit down with Melissa Justice, broker-owner of Exit Justice Realty, to unpack the reality of the new rules of today's real estate market—from the ground floor to the institutional lens. Melissa brings decades of frontline experience in REO investment, HUD home sales, and residential real estate to a timely conversation that cuts through the noise.We explore how rising interest rates, inflationary pressures, and the recent NAR settlement are accelerating a market evolution that agents and investors alike can’t ignore. Melissa offers valuable insigh...
2025-07-2327 minDebt DoctorThe Ripple Effect of Global Power Shifts and U.S. Debt Reshaping Capital Flow and Real Estate StrategyOriginally recorded at the close of 2023, this conversation forecasted key macro and real estate shifts that are now unfolding in real time. This isn’t just a replay, it’s a strategic rewind. It’s striking how many of the economic signals discussed have since intensified, offering eerily prescient insights into the global market dynamics we’re now watching play out, and what’s likely ahead. In this prescient replay, Bill Bymel revisits a globally-informed conversation with international investor Kamil Homsi, one that takes on even greater urgency in today’s evolving macro environment. This episode navig...
2025-07-1750 minDebt DoctorWhy Bonds Are No Longer the Safe Bet Investors Think They AreIn today’s volatile landscape, the so-called “safe haven” of bond investing is being stress-tested like never before. In this episode, Bill Bymel breaks down why smart investors should be paying close attention to a market that’s long been seen as stable—but may now be quietly cracking under pressure. Bill unpacks growing concerns from major financial voices like Jamie Dimon and Jeff Gundlach, shedding light on rising interest rates, inflationary pressures, and looming liquidity issues that could set off the next financial shock. With institutional investors like pension funds and endowment...
2025-07-1631 minReal Estate LowdownWhen the IRS Knocks, Be Ready with Strategy Not Fear with Carlos SamaniegoWhat if the IRS wasn’t your adversary—but an opportunity waiting to be negotiated? In this episode, I sit down with Carlos Samaniego, founder of Tax Debt Consultants and author of How to Make the IRS an Offer They Can’t Refuse. Carlos shares his personal and professional expertise navigating IRS and state tax issues, particularly for self-employed entrepreneurs and small business owners caught in the tightening grip of federal scrutiny.We dive into real-world strategies for tax liability management—like leveraging expenses, hiring the right bookkeeper, and building a defensible financial profile that stands up...
2025-07-0930 minDebt DoctorBank Failures, AI Disruption, and a Data-Driven Pivot Shaping the Future of FinanceWhat begins as an unexpected career pivot in a Russian spa unfolds into a masterclass in innovation, resilience, and foresight. In this episode, Bill Bymel sits down with Alex Goldovsky—a visionary entrepreneur who has earned his success in the mortgage and real estate sectors. From telecom engineer to founder of ProTitleUSA, DocSolutionUSA, and One Diligence, Alex shares how he turned data into disruption, redefining how services are delivered across capital markets. Together, they peel back the layers of the evolving financial ecosystem—starting with the looming risk of “zombie banks.” As communit...
2025-07-0954 minReal Estate LowdownPrivate Investors in the Secondary Mortgage Market Breaking the Banks' Monopoly with Nathan TurnerYou 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 o...
2025-06-2523 minReal Estate LowdownReg D Syndication Success with Tilden Moschetti, Esq.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 a...
2025-06-1120 minDebt DoctorInside the Lending Strategies Driving Today’s Distressed DealsIn this episode of Debt Doctor, Bill Bymel unpacks the evolving world of asset-backed lending from the lender’s seat - where performance, risk, and liquidity collide. As traditional banking tightens and economic uncertainty looms, Bill explores how the secondary market serves as a lifeline for liquidity, particularly as banks wrestle with sub-performing and non-performing loans. You'll gain insight into how interest rates, future cash flows, and loan structures directly impact asset valuation and performance expectations. From real estate to credit card and auto loan port...
2025-06-1127 minReal Estate LowdownCreating Memorable Short-Term Stays that Redefine Home Away From Home with Mark LumpkinMark 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...
2025-05-2826 minDebt DoctorDebt Doctor is In: Inside the Underground Goldmine of Distressed Real Estate DebtWelcome to the debut episode of Debt Doctor, the podcast for real estate professionals and investors capitalizing on the growing world of distressed mortgage debt - because themost lucrative real estate opportunities aren't in buying properties, but in buying their debt. In this groundbreaking first episode, Bill Bymel shares his journey from young investor to industry leader in distressed debt - revealing the playbook he’s used to acquire, manage, and monetize hundreds of distressed mortgage assets - a sideof real estate many investors haven't considered or don't even know exists. Whil...
2025-05-2139 minDebt DoctorMarket Dislocation: Hidden Opportunity, Smart Strategy and Cash Flow Amidst the ChaosWe are in the midst of one of the most significant market dislocations the real estate sector has seen in decades - and if you’re a distressed debt investor or portfolio manager, this episode is your field guide. I’m Bill Bymel, the Debt Doctor, and in this episode, I unpack how rapidly shifting interest rates, falling valuations, and widespread capital tightening are creating a perfect storm of distressed assets across both residential and commercial real estate. From post-pandemic fallout to ballooning insurance costs, this market is full of landmines - and...
2025-05-2119 minDebt DoctorCrushed by Costs: How Rising PITI is Rewriting the Mortgage Debt PlaybookInvestors, take note: the real estate market is shifting beneath your feet and the pressure is building fast - making distressed mortgage debt investors uniquely positioned to benefit. In this crucial episode, Bill Bymel, the Debt Doctor, breaks down how skyrocketing insurance premiums, rising property taxes, and interest rate hikes are disrupting the once-stable PITI formula - Principal, Interest, Taxes, and Insurance - and what this means for mortgage debt investors. What was once a reliable indicator of payment performance is now a flashing red warning light. Rising operating costs, inflated pr...
2025-05-2124 minReal Estate LowdownDisrupting the Deal: RealTrade's Take on Transparency, Data Ownership, and Agents Adapting in the New Era with Ryan PooleRyan 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 rol...
2025-05-1449 minDebt DoctorWelcome to the Debt Doctor PodcastWelcome to the Debt Doctor podcast, I'm your host - America's most qualified Debt Doctor, Bill Bymel. Debt Doctor illuminates the overlooked yet more lucrative path of distressed debt investing. Join us weekly for 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. The Debt Doctor brings together brilliant minds behind today's most innovative investment platforms to share insider expertise on:Secondary mortgage market opportunitiesSpecialty finance strategiesDistressed asset acquis...
2025-05-0801 minReal Estate LowdownCoffee with Bill: Ghost Stories of the Market - Debunking Economic Fallacies in Real Estate with Bill BymelEconomic 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 s...
2025-05-0722 minReal Estate LowdownCoffee with Bill: Adapting to Chaos and Embracing Change to Thrive in a Dynamic World with Bill BymelJoin 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 h...
2025-04-2321 minReal Estate LowdownHeartbreak to Homekeys: How One Father's Tragedy is Revolutionizing Homeless Recovery with Chris OcchipintiAfter 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 lik...
2025-04-0928 minReal Estate LowdownReimagining PropTech: the Real Estate CRM Solving Investment Fragmentation with Sharad MehtaIn 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 l...
2025-04-0227 minReal Estate LowdownBoom, Bust, and Beyond: An Insider's Caution on Florida's Red-Hot Market with Attorney Bishoy HabibIn 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...
2025-03-2628 minReal Estate LowdownCoffee with Bill: Navigating New Realities - the Personal and Professional Storms that Make Us Resilient with Bill BymelAs 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.
2025-03-1917 minReal Estate LowdownCracking the Insurance Code: Insider Strategies for Real Estate Investment Protection with Scott PhillipsIn 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...
2025-03-1239 minReal Estate LowdownA Contrarian Investor's Guide to Finding Deals When Others See Decline with Zihao WangUnlock 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 f...
2025-02-2625 minReal Estate LowdownSmart Development: Unlocking Value in Overlooked Properties with Luis BelmonteFrom 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.
2025-02-1931 minReal Estate LowdownLand of Opportunity: Turning Empty Lots into a Real Estate Riches with Jack BoschGerman 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...
2025-02-1234 minReal Estate LowdownThe Money Multiplier Method: Transform Your Debt into Long-Term Wealth with Brent KeslerFrom 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 di...
2025-02-0545 minReal Estate LowdownAI Meets Loan Trading: How Language Models Are Creating Near-Perfect Matches for Buyers and Sellers with Ofer ShapiraDiscover 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...
2025-01-2927 minReal Estate LowdownInside Reverse Mortgages: From Local Markets to National Portfolio Management with Christian EtienneEnjoy 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 c...
2025-01-2219 minReal Estate LowdownThe Art of Transforming Empty Lots into Vibrant Homes and Communities with Darcy MarlerIn 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...
2025-01-1526 minReal Estate LowdownCoffee with Bill: 2025 Great Real Estate Reset that Rewrites the Rules with Bill BymelWelcome 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 t...
2025-01-0824 minReal Estate LowdownBuilding a Better Market: the Challenges and Innovative Solutions to Investing with Integrity with Ron McMahanRon 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, an...
2025-01-0131 minReal Estate LowdownHow the Personalized Predictive Power of AI is Rewriting the Rules of Real Estate with Alex GoldovskyAlex 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...
2024-12-2544 minReal Estate LowdownResilience, Thriving and Wealth Building - Single-Family Beginnings to Multifamily Success with Mike MorawskiBuckle 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 str...
2024-12-1826 minReal Estate LowdownCoffee with Bill: Decoding the Dynamics of European and Middle Eastern MarketsGrab 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 p...
2024-11-2725 minReal Estate LowdownUncovering the Unique Advantages of the Flex Industrial Frontier with Jeremy FriedmanStep 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...
2024-11-2024 minReal Estate LowdownProfit with Purpose: How Housing on Merit is Rewriting the Affordable Housing Playbook with Jaymie BeckettStep 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 sus...
2024-11-1322 minReal Estate LowdownReal Estate Without Borders: How SHARE is Bringing Institutional Power to Individual Investors with Andrew KimAndrew 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 ch...
2024-11-0625 minReal Estate LowdownCoffee with Bill: Bid Day - Mastering Winning Bidding in a Dynamic MarketTomorrow 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 a...
2024-10-3016 minReal Estate LowdownCommercial Real Estate CLOs on the Edge: Unraveling the Risks and Hidden Tactics with Rod DubitskyRod 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.
2024-10-2336 minReal Estate LowdownOpportunities and Adaptation Strategies Beyond Traditional Financing in the New Normal of Real Estate with Vernon BeckfordJoin 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....
2024-10-1627 minReal Estate LowdownThe Tax Goddess' Smart Strategies to Minimize Audits and Build Generational Wealth with Shauna WekherlienShauna 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...
2024-10-0925 minReal Estate LowdownSecond Homes to Private Islands: The Elite Network Revolutionizing Luxury Travel and Property Investment with Wade ShealyHave 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 n...
2024-10-0227 minReal Estate LowdownCoffee with Bill: Billion-Dollar Dreams and Boutique Standards: How First Lien Capital Continues to Scale Without CompromiseEvery 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 i...
2024-09-2528 minReal Estate LowdownFinding Your Unique Edge & Funding Any Deal with Mike Merrigan & Bo KortJoin 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 e...
2024-09-1831 minReal Estate LowdownConferences as Catalysts: Accelerating Portfolio Growth Through Personal Connections with Gina GallutiaTune 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 S...
2024-09-1138 minReal Estate LowdownBlockchain Breakthroughs: How Tokenization is Shaping Real Estate Investments with Johnney ZhangJohnney 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 h...
2024-09-0450 minReal Estate LowdownHow Climate Change is Reshaping Mortgage Practices and Policies with Courtney ThompsonThis 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 t...
2024-08-2837 minReal Estate LowdownA Guide to Ethical Debt Management in the Modern Economy with David GordonEver 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...
2024-08-2125 minReal Estate LowdownCoffee with Bill: Harnessing Opportunities of Change in the Quest for ExcellenceJoin 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...
2024-08-1426 minReal Estate LowdownCPA to Real Estate Investor: Insights on Market Misconceptions, Investment Structures, and Timeless Strategies for Building Wealth with Stewart HeathStewart 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 e...
2024-08-0726 minReal Estate LowdownPublic Adjusters: The Unsung Heroes Fighting for Fair Insurance Claims with Andy GurczakOn 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 t...
2024-07-3129 minReal Estate LowdownReviving Vacant Retail Spaces Through Self-Storage Syndication with Clint HarrisI'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...
2024-07-2430 minReal Estate LowdownEuropean Real Estate Hidden Opportunities: Private Equity and Distressed Assets with Martin Kunzmann & Lee PollardDDC 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...
2024-07-1726 minReal Estate LowdownNavigating Mortgage Complexities: Delinquencies, Forecasts, and Financial Strategies with Marina WalshJoin 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...
2024-07-1026 minReal Estate LowdownHow to Access and Invest in Discounted Distressed Commercial Real Estate Syndications with Adam GowerUnlock 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 h...
2024-07-0335 minReal Estate LowdownThe Wealth Elevator Way to Build Your Investment Playbook and Portfolio with Lane KawaokaHow 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; l...
2024-06-2633 minReal Estate LowdownCommercial Real Estate Could Trigger the Next Economic Recession with William Erbey, Bill Moreland and Chris WhalenCould 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...
2024-06-1958 minReal Estate LowdownRevealing Purpose, Possibility and Peace in Life's Twists and Turns with Nisha JohnEver wondered how to navigate life's chaotic moments and find joy in the everyday? In this episode of the Real Estate Lowdown, we take a momentary step away from the hustle of the housing market to find balance and embrace the beauty in life's chaos, so we can be more effective personally and professionally.Join us for this crucial conversation with life coach, Nisha John, as she shares her unique perspective on living a purposeful and joyous life, despite our everyday circumstances, by unlocking your true potential - through transforming closed mindsets to open...
2024-06-1211 minReal Estate LowdownDisruptive Strategies to Capitalize on Real Estate During Economic Turmoil with Fred KarltonWhat if the collapse of an entire financial sector could be the biggest opportunity of your life? Join us as we chat with Fred Karlton, President of Karlton Investment Group, a seasoned real estate investor who turned the chaos of the 1980s Savings and Loan crisis into a goldmine. His tales of strategic maneuvering and creative problem-solving offer a masterclass in making the most of economic downturns.From the rise of remote work to the shifting landscapes of major urban office spaces, we dissect the evolving trends in the real estate and banking sectors...
2024-06-0546 minReal Estate LowdownREAL TidBits Series: Portfolio Oversight with Bill BymelThis episode is your compass to navigate the complexities of loan portfolios, with insights that could shield banks from the stormy consequences of oversight neglect.Listen in as I unpack the urgent necessity for banks to bolster their oversight of commercial real estate loan portfolios and unlock the secrets of robust risk management in the ever-turbulent sea of commercial real estate lending.Recent bank failures and the uptick in interest rates have cast a glaring spotlight on the potential risks festering within the banking sector's commercial loan books. With...
2024-05-2925 minReal Estate LowdownDecoding the Real Dynamics of Mortgage Banking with Industry Expert Richard Christopher WhalenEver wondered how the gears of mortgage banking truly operate behind the financial facade? Prepare to be enlightened as I bring you an exclusive chat with none other than Richard Christopher "Chris" Whalen, a vanguard in the financial sector whose career has been as varied as it is impressive. From his early days as a Volcker appointee to his pioneering efforts in founding Institutional Risk Analytics, Chris shares unparalleled insights that unravel the industry's complexity, forecast the future of banking indexes, and even tease an upcoming ETF launch. In ou...
2024-05-2229 minReal Estate LowdownInvesting in Innovation: Cryptocurrency's Influence and Buying Power in Retail and Real Estate with Bill ErbeyCould cryptocurrency be the new frontier for homeowners? Join us for another groundbreaking episode of Real Estate Lowdown, as we unlock the mysteries of cryptocurrency's impact on everything from your morning coffee to your first home with our returning guest; innovative entrepreneur, investor, and real estate titan Bill Erbey, founder of Ocwen Financial Corporation.In our riveting discussion, we strip away the skepticism surrounding digital currencies and examine ForumPay, the revolutionary crypto payment solution platform co-founded by Bill, which is smoothing out the volatility of crypto transactions. You'll be i...
2024-05-1536 minReal Estate LowdownThe Unvarnished Truth of Transitioning from New Buyer to Property Investment Pro with Dani HamptonWhen Dani Hampton, Team Lead at Hampton Group of Dallas-Fort Worth area, stepped onto the scene with her home buying story straight out of high school, it was clear that this was a tale not just about real estate, but about the resilience and adaptability required to thrive in it. In Dani's candid discussion on the Real Estate Lowdown, we peel back the curtain on the often glamorized world of property acquisition, showcasing that it's not all about shiny new keys and flawless transactions. She reflects on the adversity faced when her first home p...
2024-05-0852 minReal Estate LowdownInstaLend: the Architect of Alternative Lending with Saurabh ShahNYU alumnus and co-founder of InstaLend Corporation, Saurabh Shah, takes us on a fascinating journey from the vibrant heart of Mumbai to the financial pulse of Wall Street, where he's shaking up the real estate lending scene; being recognized as one of the fastest-growing companies in the U.S. on the INC 5000 list and providing thousands of real estate entrepreneurs access to capital that allows them to re-develop neighborhoods.His story is one of innovation and determination, as he details the creation of an alternative lending platform that's changing the way investors finance properties. B...
2024-05-0129 minReal Estate LowdownFranchise Fortune Formula: the Keys to Building Your Empire with Bob BernotasIf you're considering franchising as an addition to your investment portfolio, then this episode of the Real Estate Lowdown is just what you need to hear. Join me as I sit down with the insightful Bob Bernotas, President of FranchiseWithBob.com, to discuss the intricacies and opportunities within the franchising industry. Venture with us into the financial labyrinth of franchising with a guide who knows every twist and turn.Bob offers a treasure trove of knowledge for those eyeing semi-passive ownership or a complete career pivot. Our conversation unwraps t...
2024-04-2430 minReal Estate LowdownCrisis to Clarity: Real Estate's Turbulent Past to Transformative Decade with Spencer LeeJoin me as I sit down with my good friend Spencer Lee, co-founder and Managing Member of Redhawk Research LLC, a leading data analytics and technology firm, to reminisce about the chaotic days of the Great Financial Crisis. Our candid discussion peels back the layers of the housing market's tumultuous past. We share gripping stories from the field, revealing the shaky foundations of the real estate industry during that time, characterized by creative financing and the securitization of loans that amounted to a precarious house of cards.Key insights:
2024-04-1724 minReal Estate LowdownRoad to $2.3 Billion: the Lending Blueprint for Investing Success with Brandon CampbellBrandon Campbell, Senior Sales Manager at Lima One Capital, joins me on this episode of the Real Estate Lowdown to talk about a company with a remarkable origin story that showcases the entrepreneurial spirit of two former infantry marines. Their vision has propelled Lima One Capital from a modest operation in Atlanta to a staggering $2.3 billion enterprise. Brandon is right at the heart of that powerful growth and he's sharing his personal success story, straight from his days stocking supermarket shelves, Brandon's ascent to overseeing a staggering 1,700 closings and half a billion in originations i...
2024-04-1026 minReal Estate LowdownCutting Through the Noise: Debunking Misconceptions, Finding Hidden Gems, & Fact vs. Fiction in Today's Real Estate Investing Market - Bill BymelAs we near the end of the first quarter of 2024, and we navigate the swiftly changing currents of the real estate market, this episode of the Real Estate Lowdown is a vibrant reflection of this first quarter. Fresh from key industry conferences in Florida, I'm dissecting the impact of election years on market expectations and the crucial paradigm shifts influenced by fluctuating interest rates. Listen in as I share my personal experiences in distressed residential real estate, stressing the importance of being ahead of the curve to seize opportunities th...
2024-04-0323 minReal Estate LowdownProperty Pulse: Decoding the Evolving Florida Real Estate Market with Joe BettagJoe Bettag, Owner and Broker of Coastal Properties Florida and Managing Member of Jupiter Realty Investments V, is a true connoisseur of the Floridian real estate canvas, and he returns to our show to sketch the shifting landscapes of the Sunshine State's housing market. Joe brings a wealth of knowledge and firsthand experience from the front lines in Jupiter, Florida, where the equilibrium of a 5.5-month inventory supply signals a market steadying its sails. Our conversation sails past the high tides of home prices that have surged to double their pre-pandemic levels and docks a...
2024-03-2727 minReal Estate LowdownMastering the Art of Negotiation for Investment Triumph in Any Market with Tom ZeebTom Zeeb is the Founder of Traction Real Estate Mentors, and he's joining me on the podcast to share the negotiation, marketing and business techniques that have been instrumental in his real estate success for decades.Join us as Tom candidly shares his transformation from corporate job to embracing over two decades of happy unemployment through real estate investing, and his pivotal moments of realization. His story is a testament to the power of mentorship, self-commitment, and the courage to break free from the conventional path. Tom's insights are not only inspiring but also...
2024-03-2031 minReal Estate LowdownShield Your Real Estate Assets and Secure Your Wealth for Generations with Scott Royal SmithUnlock the secrets to shielding your wealth and securing a legacy for generations to come, with Scott Royal Smith, the former litigator turned asset protection savant. Through his personal odyssey of real estate investing to the creation of Royal Legal Solutions, Scott imparts invaluable wisdom on constructing an impenetrable financial fortress. As the founder of Royal Legal Solutions (https://royallegalsolutions.com) , Scott details:- The strategies and structures that can bulletproof your assets against lawsuits and taxes.- The ins and outs of using legal frameworks to pr...
2024-03-1324 minReal Estate LowdownBeyond the Bubble: Bill Erbey's Visionary Blueprint for Compassionate Finance Amidst Economic ChaosJoin us for a riveting journey with real estate titan Bill Erbey, founder of Ocwen Financial Corporation, as we explore the pivotal moments and innovative strategies that have shaped his illustrious career and defined an industry.When financial chaos looms, Bill Erbey stands as a beacon of innovation in the stormy seas of real estate. In the throes of economic upheaval, from the tumultuous savings and loan crisis to the 2008 meltdown, Bill has revolutionized how we approach non-performing loans with the advent of compassionate loan modification programs. Witness firsthand h...
2024-01-3141 minReal Estate LowdownSnow-Capped Serenity and Deserted Developments Amidst Asia's Frozen Landscapes and Shattered MarketsAs we kick off another vibrant year, join me in reflecting on the fascinating intersection of global events and the world of real estate. Sipping hot cocoa while gazing out over the snowy expanse of Hokkaido, my family and I embraced a Christmas like no other, igniting a warmth that transcended the chill of the Japanese winter. These moments, savored during our 16-day sojourn across Asia, are the treasures I'm excited to share with you, not just as travel tales, but as a testament to the intangible wealth family experiences bring. ...
2024-01-2424 minReal Estate LowdownREAL TidBits Series: 1031 ExchangeThis REAL TidBits Series episode on 1031 Exchange is all about amplifying your investment gains through strategic tax maneuvering and deferring capital gains. In other words - growing your real estate portfolio and wealth, sans the tax bite!If you haven't listened to episode 82 with seasoned 1031 specialist, Dave Foster, it was all about this little-known yet mighty section of the U.S. tax code that savvy investors leverage to defer capital gains taxes.In this TidBits episode we're getting into the nuts and bolts of the 1031 Exchange, unraveling this complex...
2024-01-1714 minReal Estate Lowdown2024 Vision: Geopolitics & Commercial Real Estate Insights, Investment Trends & StrategiesHappy Holidays! This episode of the Real Estate Lowdown is a special replay of our First Lien Capital year end Win-Win Webinar on December 13, 2023 with my guest, Kamil Homsi. We delve into an engaging discourse on our compelling vision for 2024 - focusing on the interplay between the geopolitical landscape and the commercial real estate industry. We share our strategic insights, navigating the intricate web of global dynamics, offering a nuanced perspective on how political shifts and global affairs directly influence commercial real estate. We dissect the geopolitical currents shaping economies and markets, foreseeing their i...
2023-12-2759 minReal Estate LowdownREAL TidBits Series: Predictive Analysis ModelingPredictive analysis modeling is an indispensable tool for investing in real estate and mortgages. Mastering predictive analysis modeling comes with experience and of course is crucial to the success of your real estate purchases. Understanding its significance lies in its ability to forecast future outcomes based on historical data and patterns. In this context, it's crucial to leverage predictive modeling to assess the risk associated with non-performing loans. By scrutinizing various factors such as borrower credit history, property value trends, economic indicators, and local market conditions, you can build mo...
2023-11-1528 minReal Estate LowdownREAL TidBits Series: Human Capital – The Powerhouse Behind Thriving BusinessJoin us for this REAL TidBits episode as we uncover the untapped potential of Human Capital and how it can transform your business. In the world of business, human capital is akin to the heart and soul of an organization. While real estate assets undoubtedly play a critical role in a company's financial health, the hidden gem that truly fuels a thriving enterprise is its human capital. We unveil the intriguing dynamics of our human resources that breathe life into a company's vision and mission and appreciating the workforce that propels businesses toward success. ...
2023-11-0815 minReal Estate LowdownGlobal NPL Market Unveiled: Bill's Lowdown from LondonIn the latest episode of the Real Estate Lowdown, Bill is sharing the actual lowdown of his compelling insights and experience as a panelist at the SmithNovak NPL Global conference in London. Bill provides a fascinating perspective and update on the global real estate market, with a particular focus on the unique dynamics of the European market and its distinctive approach to investing, that involves avoiding a wide-open market traded at a discount and marked by stringent restrictions on the number and caliber of bidders with US investor money supporting huge amounts of the i...
2023-10-1813 minReal Estate LowdownREAL TidBits Series: Becoming an Accredited InvestorWelcome back to another episode in our REAL TidBits Series where we're demystifying the path to becoming an accredited investor and how that opens a world of new smart passive investment flow you didn't have available previously. So why should you even care about becoming an accredited investor? It's your golden ticket to unlocking greater opportunity and potential as an investor. And the process is more accessible than you might think. We've got you covered with a quick guide of the qualifications in this episode. The best part? You do...
2023-10-1115 minReal Estate LowdownUnraveling the Commercial Real Estate Forecast: Challenges and Opportunities Ahead (Part 2)Join us for an electrifying discussion on banking and commercial real estate as we illuminate the critical factors influencing the present terrain and predict challenges and opportunities that lie ahead in Q4 2023 and beyond. This is Part 2 of my most recent quarterly Win Win Webinar, and we leave no stone unturned. My expert guests, Matthew Grossman, Founder and Principal at JMG Capital Properties; Matthew Mandel, MBA, CCIM, CEO, Investor, Fund Manager, and Consultant at ArchStone Advisors; and Rick Sharga, Founder & CEO of CJ Patrick Company, will blow your mind with their insights.
2023-09-2726 minReal Estate LowdownUnraveling the Commercial Real Estate Forecast: Challenges and Opportunities Ahead (Part 1)Join us for an electrifying discussion on banking and commercial real estate as we illuminate the critical factors influencing the present terrain and predict challenges and opportunities that lie ahead in Q4 2023 and beyond. This is Part 1 of my most recent quarterly Win Win Webinar, and we leave no stone unturned. My expert guests, Matthew Grossman, Founder and Principal at JMG Capital Properties; Matthew Mandel, MBA, CCIM, CEO, Investor, Fund Manager, and Consultant at ArchStone Advisors; and Rick Sharga, Founder & CEO of CJ Patrick Company, will blow your mind with their insights.
2023-09-2032 minReal Estate LowdownREAL TidBits Series: The Right Capital Raising StrategiesAre you scratching your head about how to get started raising capital? Or maybe your capital raising efforts have not produced the results you intended? This episode is the perfect launching or relaunching point for you. It gives you the 30,000 foot view into the world of capital raising, exploring the intricacies of structuring fundraising efforts and understanding the unique perspective and priorities of the three distinct investor classes: Family & Friends, Family Offices, and Ultra Wealthy Institutional Funds & Sovereign Wealth. To attract investors, your business needs more than just a gr...
2023-09-0617 minReal Estate LowdownREAL TidBits Series: REO (Real Estate Owned) PropertyThis episode is all about the intriguing world of REO, or Real Estate Owned property. Unlocking the secrets behind this lesser-known facet of the real estate market, we embark on a journey to discover the hidden gems and untapped opportunities that lie within these unique properties. As we unravel the layers of REO, we explore the origins and intricacies of these properties, tracing their path from foreclosures to becoming bank-owned. We shed light on the factors that lead to properties entering the REO market, offering a deeper understanding of the dynamics at play. ...
2023-07-1918 minReal Estate LowdownCommercial Real Estate Uncovered: Behind-the-Scenes Discussion with Kamil HomsiAn exclusive discussion with Kamil Homsi, a prominent figure in the commercial real estate industry, where we delve deeper into the relevant topics from our June 14th Win Win Webinar. The conversations between Kamil and I are always dynamic, and this one is no exception. With his vast experience and expertise, Kamil provides a nuanced perspective on the current state of the commercial real estate market and shed light on the current trends and future directions that are shaping the industry. In our conversation, Kamil emphasized the significance of adaptability in the face of cha...
2023-06-1439 minReal Estate LowdownBuilding a Global, Diverse Team with Possibility, Integrity and Leadership with Bill BymelCelebrating our 50th episode by honoring the art of building and leading the people that are shaping the future of successful global business. First Lien Capital is shifting paradigms in real estate investing and business with our high-performing dynamic and diverse global team that operates with possibility, integrity, and leadership that transcends borders and time zones. Our team of individuals with varied backgrounds, expertise, and perspectives, fostering a rich and innovative environment has been paramount to the growth, expansion and success of First Lien Capital. Despite the physical distance of...
2023-05-3121 minReal Estate LowdownREAL TidBits Series: Bank FailuresWith the recent closures of First Republic Bank, Silicon Valley Bank and Signature Bank – three of the top twenty largest banks in the country, it's timely to have a discussion about this topic, share my perspective on the opportunity to acquire assets from these unfortunate situations, and bust some myths and false narratives. Bank failure occurs when a bank becomes unable to meet its financial obligations and is unable to repay depositors and creditors. When a bank's assets, such as loans and investments, significantly decrease in value or become illiquid, while its liabilities, such as...
2023-05-1734 minReal Estate LowdownREAL TidBits Series: Title InsuranceTitle insurance is a standard practice that's been around for decades and a required insurance you must purchase in order to close a real estate transaction. There are valid reasons why title insurance is important and very helpful, and in my opinion there are also reasons why we are due for disruption in this particular aspect of the real estate industry. It's a form on indemnity insurance that protects home buyers and lenders from financial loss sustained from defects in title of property or real estate, because the title insurance company does their research b...
2023-04-2622 minReal Estate LowdownWin-Win Investing with First Lien CapitalBill Bymel, Founder, CEO and Managing Partner shares how he got his foot in the door to this high barrier to entry industry 14+ years ago, and how we as a company and a global team invest in the secondary mortgage market where many will not. We're known for our Win-Win approach of a conservative model combined with our unique borrower centric program that consistently yields the highest returns. First Lien Capital is a privately owned mortgage and real estate investment platform with experience in all asset classes of real estate, asse...
2023-02-0113 minReal Estate LowdownWhy Mortgage Servicers are Better Prepared for Distress with Rick ShargaRick Sharga, Executive Vice President of Market Intelligence at ATTOM is one of the country’s most frequently-quoted sources on real estate, mortgage and foreclosure trends, and has appeared on CNBC, CBS News, NBC News, CNN, ABC News, FOX, Bloomberg and NPR. With more than 20 years experience in the real estate and mortgage industry, Rick has also been twice named to the Inman News Inman 100, an annual list of the most influential real estate leaders. As a highly respected voice of the industry, Rick shares his optimistic perspective of resi...
2023-01-1133 minReal Estate LowdownOwner Occupied Bridge Loans with Ed BrownToday's Real TidBit Topic is non-QM, non-Qualified Mortgages, referring to all the privately funded mortgages that do not qualify for Fannie, Freddie, and Ginne Mae purchase or insurance. Bill interviews Edward Brown with Pacific Private Money, a California-based non-QM lender that offers owner-occupied bridge loans in several states around the United States. Edward Brown, Investor Relations at Pacific Private Money, an alternative real estate finance provider specializing in short-term real estate loans for California borrowers since 2008. Pacific Private Money raises private capital using discretionary debt fund structures that generate above-market returns through a well-refined and successful holistic...
2022-09-1427 minReal Estate LowdownA Troubling Rise in US Debt LevelsIn the September episode of his Win-Win Webinar series, Bill shares a four-minute clip from this summer's Structured Finance conference in Las Vegas. The data shows a troubling sign that inflation is causing higher prices, but consumers continue to spend, using credit cards and other unsecured, high-cost debt to cover these costs.To learn more, visit:https://billbymel.com/Listen to more episodes on Mission Matters:https://missionmatters.com/author/bill-bymel/
2022-09-0710 minReal Estate LowdownA Perfect Storm in Debt MarketsLIQUIDITY is today's Real TidBit. It's going to become a more public topic of conversation in the months ahead. Bob Repass buys and sells mortgages on the secondary market, and he knows that when liquidity dries up, that's when opportunity strikes. Bob and Bill discuss the current state of NPL buying and look ahead to the future of real estate, given the headwinds of inflation, interest rate increase, and global instabilities. Bob Repass, Managing Director, Colonial Funding Group, is a senior financial services industry executive focusing primarily on loan servicing, sales, and operation management. Bob oversees all s...
2022-08-3122 minReal Estate LowdownJorge Newbery’s preREO - A New Angle to Buy Real EstateThis week's episode of The Real Estate Lowdown podcast, Host Bill shares the REal TidBit conversation about REO properties. And an interview with Jorge Newberry, founder of preREO, a unique way to purchase real estate through the acquisition of the non-performing first lien mortgage. Jorge Newbery, Founder & CEO of AHP Servicing, He is CEO and Chairman of AHP Servicing LLC and American Homeowner Preservation LLC, which crowdfund the purchase of non performing mortgages from banks at big discounts, then share the discounts with struggling homeowners. He is also Founder and CEO of Debt Cleanse Group Legal Services, a...
2022-07-2745 minReal Estate LowdownREAL TidBits Series: Retail Site Selection and Triple Net InvestmentsIn this episode of The Real Estate Lowdown podcast, Host Bill Bymel interviewed Nathan Werner. Nate introduces the role of a tenant rep broker in commercial retail real estate and discusses how the industry has changed over his five decades in the business. Nathan Werner, Managing Broker, Retail Sites International, has over 45 years experience in commercial real estate, primarily representing major national brands in their expansion throughout South Florida.Nate's clients include Darden Restaurants, BJ's Restaurant, Dunkin Donuts, & Taco Bell. His firm has been involved in site selection and development of dozens of household brands such as W...
2022-07-2036 minReal Estate LowdownREAL TidBits Series: MortgagesIn this episode of The Real Estate Lowdown podcast, Host Bill introduces the REAL TidBits Series which is a group of short informative talks on a specific slice of the real estate market.The REAL TidBit series will offer the ability for the audience to educate themselves on the vast real estate business.Who owns your mortgage? It's not a common question, but it has an interesting answer. In this TidBit, Bill Bymel explains what a mortgage is, how mortgage notes or deeds of trust originate, and then why they are sold to investors in the secondary mo...
2022-07-1334 minReal Estate LowdownLoss Mitigation with Erick GonzalezIn this episode of The Real Estate Lowdown podcast, Host Bill shares part two of his June 7th webinar interview with distressed debt manager Erick Gonzalez. They discuss the need for asset managers to take a hands-on approach to dealing with delinquent borrowers in real estate.Erick Gonzalez, Portfolio Manager at Spurs Capital and Founder of LoanLossMit.com, is an expert in the area of distressed mortgages encumbering residential real estate. Erick has led a team of loss mitigators and real estate brokers to oversee the profitable resolution of over $500 million of equity investments in the secondary m...
2022-07-0611 minReal Estate LowdownInflation Crisis will Hit Real EstateIn this episode of The Real Estate Lowdown, Host Bill shares a 17-minute clip from his Webinar interview with Erick Gonzalez that took place on June 7th, 2022. They discuss the obvious signs pointing to a disruption in the real estate market and front line perspective from two individuals on the front line buying non-performing mortgages and selling residential real estate all across the USA.Erick Gonzalez, Portfolio Manager at Spurs Capital and Founder of LoanLossMit.com, is an expert in the area of distressed mortgages encumbering residential real estate. Erick has led a team of loss mitigators an...
2022-06-2920 minReal Estate LowdownWelcome to The Real Estate Lowdown PodcastIn this episode of The Real Estate Lowdown podcast, Host Bill Bymel introduces himself and his multi-decade background in real estate. Starting as the son of a real estate broker in Fort Lauderdale in the early 80s, Bill fell in love with dirt. In 2002, after attending NYU followed by a brief stint in Hollywood, Bill began buying and flipping houses in South Florida. He branched into commercial real estate brokering restaurant and retail locations for national chains. In 2008, when the residential mortgage market melted down, Bill got into investing in non-performing first-lien mortgages, sparking a 14-year career as an...
2022-06-2211 min