Real Estate Lowdown

Mission Matters Network
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Welcome to Real Estate Lowdown, the ultimate podcast that will transform the way you think about real estate investing. I'm your host, Bill Bymel, CEO of First Lien Capital and author of the bestselling book, Win Win Revolution: An Insider's Guide to Investing in the Secondary Mortgage Market.    Real Estate Lowdown is not your typical scripted podcast. We're all about unscripted, engaging, and informative conversations that will leave you hungry for more. Join me as I sit down with savvy, seasoned professionals and industry leaders who share their practical principles, mindset mastery, creative applications, and the latest market trends of real estate investing, with a specialty focus on distressed mortgage note investing.   Prepare to be blown away by our incredible guests who will generously share their tried-and-true real estate investing strategies. As a fund manager and real estate investor with decades of active experience under my belt, I'll also be sharing my insider expertise and personal stories. Together, we'll equip you with the knowledge, confidence, and creativity you need to thrive in this dynamic industry.    Whether a budding beginner or a real estate mogul, we've got you covered. We'll deconstruct and demystify the complexities while covering every subject real estate investors need to know. From the fundamentals to the advanced, we'll help you carve your distinct niche in the industry, build a legacy of generational wealth, and make a valuable impact in society. And trust me, we'll have a blast along the way!  Learn more at https://missionmatters.com/author/bill-bymel/

  1. JUL 30

    Coffee with Bill: The End of an Era While The Legacy Continues in a New Voice

    In 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 estate market echoes past economic cycles, but this time with deeper complexity.  I share why I believe these patterns aren’t just market phenomena, they’re mirrors of our own need to evolve, adapt, and reimagine what’s possible. Thank you to Adam Torres and the Mission Matters team for three incredible years of partnership and podcasting. And thank you to my community for joining us in this journey of content creation for you. This final Real Estate Lowdown episode is a tribute to where we’ve been and a powerful call forward to where we’re headed. Join us on the Debt Doctor podcast where we take industry insights and expertise to new ground, diving deeper into distressed assets, debt markets, and specialty finance with more clarity, honesty, and strategic foresight.  One door closes… and another opens wide. Watch and subscribe to Debt Doctor on Apple, Spotify, YouTube or your favorite podcast platform. 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/

    31 min

  2. JUL 23

    The New Rules of Real Estate and Why Success Now Requires a Bold Agent Reinvention with Melissa Justice

    In 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 insights into adapting to new systems, shifting regulations, and the increasing need for short sale and loss mitigation strategies—especially in the face of growing underwater mortgage scenarios. Together, we reflect on the lessons learned from 2008 and how they inform today's approach to financial hardship and distressed assets. And we examine the decline in agent retention and the widening gap between those who innovate and those who fall behind.  Agents, this is a wake-up call to evolve with the market—by embracing new strategies, expanding financial literacy, and becoming a trusted guide for clients, beyond opening the door. Reinvention isn’t just survival—it’s your edge in the next era of real estate. Investors, this is a moment to understand the human side of real estate disruption and position capital wisely in communities undergoing transformation. Connect further with Melissa Justice on LinkedIn https://www.linkedin.com/in/melissa-justice-a5326938/ or https://melissajustice.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/

    27 min

  3. JUL 9

    When the IRS Knocks, Be Ready with Strategy Not Fear with Carlos Samaniego

    What 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 to IRS pressure. But this isn’t just a tax talk. We explore how seismic shifts in AI, automation, and quantum computing are reshaping the future of compliance and wealth strategy.  For investors, this conversation underscores why understanding tax trends is essential not just for protection—but for positioning. As regulatory scrutiny and digital disruption accelerate, the savviest capital knows how to pivot with precision. Whether you're a small business owner, an independent operator, or an investor evaluating risk from every angle, this episode is your reminder that even tax challenges can be turned into smart plays—with the right mindset, the right tools, and the right people in your corner. Connect further with Carlos Samaniego on LinkedIn https://www.linkedin.com/in/carlossamaniego/ or https://carlossamaniego.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/

    31 min

  4. JUN 25

    Private Investors in the Secondary Mortgage Market Breaking the Banks' Monopoly with Nathan Turner

    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/

    24 min

  5. JUN 11

    Reg 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 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/

    21 min

  6. MAY 28

    Creating Memorable Short-Term Stays that Redefine Home Away From Home with Mark Lumpkin

    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/

    26 min

  7. MAY 14

    Disrupting the Deal: RealTrade's Take on Transparency, Data Ownership, and Agents Adapting in the New Era with Ryan Poole

    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/

    50 min

  8. MAY 7

    Coffee with Bill: Ghost Stories of the Market - Debunking Economic Fallacies in Real Estate with 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/

    23 min
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5
out of 5
10 Ratings

About

Welcome to Real Estate Lowdown, the ultimate podcast that will transform the way you think about real estate investing. I'm your host, Bill Bymel, CEO of First Lien Capital and author of the bestselling book, Win Win Revolution: An Insider's Guide to Investing in the Secondary Mortgage Market.    Real Estate Lowdown is not your typical scripted podcast. We're all about unscripted, engaging, and informative conversations that will leave you hungry for more. Join me as I sit down with savvy, seasoned professionals and industry leaders who share their practical principles, mindset mastery, creative applications, and the latest market trends of real estate investing, with a specialty focus on distressed mortgage note investing.   Prepare to be blown away by our incredible guests who will generously share their tried-and-true real estate investing strategies. As a fund manager and real estate investor with decades of active experience under my belt, I'll also be sharing my insider expertise and personal stories. Together, we'll equip you with the knowledge, confidence, and creativity you need to thrive in this dynamic industry.    Whether a budding beginner or a real estate mogul, we've got you covered. We'll deconstruct and demystify the complexities while covering every subject real estate investors need to know. From the fundamentals to the advanced, we'll help you carve your distinct niche in the industry, build a legacy of generational wealth, and make a valuable impact in society. And trust me, we'll have a blast along the way!  Learn more at https://missionmatters.com/author/bill-bymel/

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