In this insider episode of the Real Estate Lowdown, Scott Phillips, Senior VP of SES, a leading insurance solutions provider for the real estate sector pulls back the curtain on the often misunderstood world of property insurance in today's volatile market.

Discover how SES leverages relationships with major carriers like Lloyds and Chubb to create tailored insurance policies for residential rental properties. Scott reveals surprising industry insights, including that 80% of the rental market consists of small landlords with five or fewer properties.

As extreme weather events become more frequent and severe, Scott shares invaluable strategies for managing rising insurance costs, including:

• The three core insurance programs every real estate investor should know
• Smart approaches to deductible structures that can save you money
• How technology is revolutionizing risk prevention
• Why property management controls are crucial for risk mitigation

Whether you're a seasoned investor or just starting out, this conversation delivers actionable insights to help you masterfully navigate the complex insurance landscape and protect your real estate investments more effectively.

Connect further with Scott Phillips at LinkedIn linkedin.com/in/sphillipsmba, SES Risk Solutions https://www.ses-ins.com or email scott.phillips@ses-ins.com.

As your investment partner, First Lien Capital delivers security and strong returns while making real impact. Integrity and values drive our strategy - join our successful investing family and let us create a legacy of financial and community impact together.

As your resolution partner, First Lien Resolutions discreetly revives underperforming and distressed asset portfolios into profitable ones, delivering calculated and customized, strategic outcomes needed to protect and maximize your investments.

Elevate or revive your portfolio today. Email bill@firstliencapital.com or go to https://www.firstliencapital.com.

To learn more, visit:

https://billbymel.com/

Listen to more episodes on Mission Matters:

https://missionmatters.com/author/bill-bymel/

Join us for this episode of the Real Estate Lowdown as veteran multifamily investor, Charles Carillo, Managing Partner at Harborside Partners, pulls back the curtain on his 18-year journey in real estate investing.

From weathering the 2008 crash to navigating today's high-interest environment, Charles shares battle-tested strategies for building lasting wealth through property ownership.

In this value-packed episode, you'll discover:
• Why holding properties through market downturns separates successful investors from the rest
• How rising interest rates are reshaping construction trends and creating new opportunities
• The critical adjustments savvy investors are making to their acquisition criteria right now
• Why the rental market is poised for unprecedented growth as homeownership becomes increasingly unattainable
• Charles' controversial inflation prediction for the next 12-24 months (and how to position your portfolio accordingly)
• The maintenance strategy that could save your cash flow during economic uncertainty

Whether you're a seasoned investor or just starting your real estate journey, Charles' insights on achieving financial freedom through strategic property investment are essential listening in today's shifting market.

Connect further with Charles Carillo at LinkedIn https://www.linkedin.com/in/charleskcarillo/ or
Harborside Partners https://harborsidepartners.com.

As your investment partner, First Lien Capital delivers security and strong returns while making real impact. Integrity and values drive our strategy - join our successful investing family and let us create a legacy of financial and community impact together.

As your resolution partner, First Lien Resolutions discreetly revives underperforming and distressed asset portfolios into profitable ones, delivering calculated and customized, strategic outcomes needed to protect and maximize your investments.

Elevate or revive your portfolio at https://www.firstliencapital.com.

To learn more, visit:

https://billbymel.com/

Listen to more episodes on Mission Matters:

https://missionmatters.com/author/bill-bymel/

Unlock the secrets of Southern California's real estate market with investor Zihao Wang, Founder & CEO of Motiva Holdings, who shares how he defies conventional wisdom to achieve remarkable success.

We learn about his journey from managing properties as a teenager in Pasadena to the early influences that shaped his path. Zihao's unique approach, offers insights on managing legacy tenants, forming international partnerships, and leveraging his talent for numbers to predict market trends.

We dive into the shifting dynamics of California's rental market, where high occupancy rates persist despite slight rent softening and explore the potential for strategic acquisitions in distressed markets.

It's a conversation rich with expert insights, bold predictions, and a touch of nostalgia, promising a captivating glimpse into the future of real estate investing in Southern California.

Connect further with Zihao Wang at LinkedIn https://www.linkedin.com/in/zihao-wang-mh/ or Motiva Holdings https://motivaholdings.com.


As your investment partner, First Lien Capital delivers security and strong returns while making real impact. Integrity and values drive our strategy - join our successful investing family and let us create a legacy of financial and community impact together.

As your resolution partner, First Lien Resolutions discreetly revives underperforming and distressed asset portfolios into profitable ones, delivering calculated and customized, strategic outcomes needed to protect and maximize your investments.

Elevate or revive your portfolio today. Email bill@firstliencapital.com or go to https://www.firstliencapital.com.

Stay connected with Bill Bymel and First Lien Capital:
Linktree: https://linktr.ee/billbymel

To learn more, visit:

https://billbymel.com/

Listen to more episodes on Mission Matters:

https://missionmatters.com/author/bill-bymel/

From fixing fences on his father's ranch to shaping urban landscapes, Luis Belmonte, principal at Seven Hills Properties, chronicles his unlikely path to real estate development. Drawing from his Irish-Italian roots and decades of experience, Luis reveals why he chose practical community projects over luxury developments – and how this decision shaped his success.

Beyond the blueprint, Luis breaks down the essentials of real estate investment, from internal rate of return to the delicate balance of leveraging. And reveals the hidden potential in today's office spaces while sharing hard-earned wisdom from his most memorable wins and losses.

Key Takeaways:
• Discover why focusing on practical, community-oriented projects can deliver stronger returns than luxury developments, backed by real-world examples from decades of successful deals and market cycles

• Learn the critical metrics that drive profitable development decisions, including a masterclass on evaluating internal rate of return and managing leverage risk in today's market

• Explore contrarian opportunities in the office sector, with actionable insights on identifying undervalued properties and turning market challenges into profitable ventures

Join us for this unvarnished look at real estate development through the eyes of a builder who started from the ground up.

Connect further with Luis Belmonte at LinkedIn https://www.linkedin.com/in/luis-belmonte-54257211/ or Seven Hills Properties https://www.7hp.com.

Unlock elite low risk investment opportunities tailored to your priorities. Let our expert team maximize your returns while you focus on what matters most. Join our family of successful investors creating a lasting legacy of financial wealth and community impact together.

Start or elevate your portfolio today. Email bill@firstliencapital.com or go to https://www.firstliencapital.com to invest with us.

Stay connected with Bill Bymel, First Lien Capital:
Linktree: https://linktr.ee/billbymel

To learn more, visit:

https://billbymel.com/

Listen to more episodes on Mission Matters:

https://missionmatters.com/author/bill-bymel/

German immigrant Jack Bosch, Co-Founder of Orbit Investments and “Land Profit Generator”, turned his American dream into reality. In this episode, Jack shares his journey of becoming a thriving real estate entrepreneur alongside his wife Michelle and why they chose to focus on the lesser-known yet lucrative niche of land wholesaling.

Unlike the crowded house wholesaling market, land wholesaling presents unique opportunities with minimal competition and high profit potential. Jack divulges strategies that make this investing appealing to those looking for financial freedom and lower-risk investments, and why it's attracting a new wave of investors.

With Jack's personal anecdotes and strategic insights, you'll gain a fresh perspective on wealth creation through land investments and discover why land continues to be one of the most resilient and rewarding investment vehicles.

Connect further with Jack Bosch at LinkedIn https://www.linkedin.com/in/jack-bosch-a923b59/ or go to https://www.landprofitgenerator.com to download the 30 Day Land Flipping Blueprint.

Unlock elite low risk investment opportunities tailored to your priorities. Let our expert team maximize your returns while you focus on what matters most. Join our family of successful investors creating a lasting legacy of financial wealth and community impact together.

Start or elevate your portfolio today. Email bill@firstliencapital.com or go to https://www.firstliencapital.com to invest with us.

Stay connected with Bill Bymel and First Lien Capital:
Linktree: https://linktr.ee/billbymel

To learn more, visit:

https://billbymel.com/

Listen to more episodes on Mission Matters:

https://missionmatters.com/author/bill-bymel/

From drowning in nearly a million dollars of debt to mastering financial independence, Brent Kesler's journey from chiropractor to wealth-building strategist and educator will transform how you think about money.

Despite his initial skepticism, Brent discovered a powerful path to financial freedom through Infinite Banking - a strategy that turned his substantial debt, including student loans and an airplane purchase, into stepping stones toward wealth.

In this eye-opening episode, Brent pulls back the curtain on the Money Multiplier method, revealing how specifically designed whole life insurance policies can become potent wealth-building tools.

You'll discover how tax-deferred growth strategies that most financial advisors never mention can accelerate your journey to financial independence.

Whether you're battling debt or seeking smarter investment strategies, Brent's practical insights and remarkable transformation from skeptic to expert will equip you with actionable steps toward building lasting wealth.

Connect further with Brent Kesler at LinkedIn https://www.linkedin.com/in/brent-kesler-324abb19/ or go to https://themoneymultiplier.com for free resources and ebook, Mapping Out the Millionaire Mystery.

Unlock elite low risk investment opportunities tailored to your priorities. Let our expert team maximize your returns while you focus on what matters most. Join our family of successful investors creating a lasting legacy of financial wealth and community impact together.

Start or elevate your portfolio today. Email bill@firstliencapital.com or go to https://www.firstliencapital.com to invest with us.

Stay connected with Bill Bymel and First Lien Capital:
Linktree: https://linktr.ee/billbymel

To learn more, visit:

https://billbymel.com/

Listen to more episodes on Mission Matters:

https://missionmatters.com/author/bill-bymel/

Discover how former bankruptcy attorney, Ofer Shapira, is revolutionizing the loan trading industry with a groundbreaking AI-driven platform. Join us as we uncover the journey that led Ofer from the legal field to becoming a tech innovator, focused on transforming the way loan portfolios, including distressed and illiquid assets, are traded.

We're unpacking the platform's unmatched ability to automate transactions, provide pricing benchmarks, and vet trading partners - all while safeguarding seller privacy.

Explore the world of loan trading through the lens of language models and their potential to enhance the industry's matchmaking process. Imagine a scenario where buyer frustrations with varying preferences are minimized through AI models that capture nuanced details, akin to a dating app for investors.

While these models aren't flawless, they present a significant opportunity to improve the traditional brokering process, offering a human-like engagement that aligns with business goals, streamlining the market for better efficiencies.

We'll also delve into the broader implications of global power shifts and geopolitical risks, exploring how these dynamics affect economies and financial products. Ofer shares predictions on emerging alliances and the interconnectedness of global events, highlighting the importance of staying vigilant in a rapidly changing landscape.

Connect further with Ofer Shapira at LinkedIn https://www.linkedin.com/in/ofer-shapira/ or https://www.soteriamarket.com.

Unlock elite low risk investment opportunities tailored to your priorities. Let our expert team maximize your returns while you focus on what matters most. Join our family of successful investors creating a lasting legacy of financial wealth and community impact together.

Start or elevate your portfolio today. Email bill@firstliencapital.com or go to https://www.firstliencapital.com to invest with us.

To learn more, visit:

https://billbymel.com/

Listen to more episodes on Mission Matters:

https://missionmatters.com/author/bill-bymel/

Enjoy this unique conversation with Christian Etienne, a seasoned expert in the real estate and reverse mortgage world. Recognized as an industry expert, Christian and his teams have managed and liquidated more than 80,000 real estate assets nationwide for a variety of GSEs, large banking institutions, and private equity portfolios.

From his early days in South Louisiana to his current life in the Houston suburbs, Christian's career trajectory - from title insurance to mastering the nuances of reverse mortgages - offers a rare glimpse into the challenges and responsibilities in this niche industry.

We examine the changing landscape of the mortgage and real estate markets post-Global Financial Crisis and the pressures it faces today. Rising taxes, insurance costs, and the specter of mortgage defaults in hurricane-prone areas signal potential mortgage defaults, while the commercial real estate sector grapples with its own set of challenges amidst new retail developments and the persistent issue of vacant office spaces, all compounded by rising interest rates.

This episode serves as a comprehensive guide for investors and asset managers, highlighting the strategic decisions necessary amidst these market fluctuations and the anticipation of future adjustments.

Connect further with Christian Etienne at LinkedIn https://www.linkedin.com/in/cdetienne/.

Unlock elite low risk investment opportunities tailored to your priorities. Let our expert team maximize your returns while you focus on what matters most. Join our family of successful investors creating a lasting legacy of financial wealth and community impact together.

Start or elevate your portfolio today. Email bill@firstliencapital.com or go to https://www.firstliencapital.com to invest with us.

Stay connected with Bill Bymel and First Lien Capital:
Linktree: https://linktr.ee/billbymel

To learn more, visit:

https://billbymel.com/

Listen to more episodes on Mission Matters:

https://missionmatters.com/author/bill-bymel/