Specializing in seller financing, Dawn is a visionary real estate professional who gets families into (or out of) homes and investments in a way that empowers and enriches them, as well as the communities in which they live… with or without banks and regardless of market conditions. Dawn is the antidote to America’s addiction to Wall Street’s financial opium. She makes the powerful, non-bank, strategies usually reserved for sophisticated investors accessible to everyday people, making or sav ...
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Secondary Note Market Podcasts
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, seas ...
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What Would You Pay for this Note? Are you Ready for the Financial Reset?
48:08
48:08
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48:08In this episode we talk about a real estate note secured by land, created through a seller financed real estate transaction. We also get into how to position for the financial reset we are seeing unfold right before our eyes. Be sure to sign up to participate live by subscribing at NoteQueen.comBy Dawn Rickabaugh
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Seller Financing in 1031 Exchanges: Do These Really Work Together?
44:30
44:30
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44:30Most people would probably be surprised to know how seller financing in 1031 exchanges can work. A seller wants to do a 1031 exchange, but they end up with a buyer asking for owner financing. Do they have to reject the offer? Not necessarily. If structured properly, a note can be created (giving the buyer what they need) and then sold, giving the s…
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Who Are You and Why Does it Matter? Pad Splitting, Agents Carrying a Note for Their Commission
47:19
47:19
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47:19Dawn Rickabaugh, host of Property and Paper Live and creator of NoteQueen.com, delivers an insightful lecture on real estate investing, financing, and note buying strategies. Emphasizing the importance of understanding one's core identity beyond professional roles, she encourages participants to distill their essence into clear, meaningful statemen…
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Dawn Has a Friendly Chat with Someone Who Has Never Heard of Seller Financing Before
51:08
51:08
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51:08This was a fun chat with someone I met through another coaching group for entrprenuers. Erin and I can appreciate each others' sense of humor... and being able to laugh is high value! We got caught here in the beginning laughing over Charmander... anyone have kids that used to play Pokemon?? We discuss the challenges and opportunities surrounding h…
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5 Power Moves for Multiplying Wealth When You Buy Real Estate with Owner Financing
59:45
59:45
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59:45In this comprehensive discussion led by Dawn Rickabaugh, a seasoned seller finance expert and owner of NoteQueen.com, the multifaceted benefits and strategies of using owner financing in real estate transactions are explored in depth. Dawn emphasizes the critical interplay between "property and paper," referring to the tangible real estate asset an…
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Widow Left with Seller Financing Nightmare: Fixing Fraud in Creative Finance
56:21
56:21
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56:21In this comprehensive discussion, Dawn delves into the intricacies, opportunities, and pitfalls of creative real estate financing—particularly seller financing, seller-held notes, and contract-for-deed arrangements. The conversation is framed around real-life case studies involving high-equity sellers, ethical considerations, and practical challeng…
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For Buyers and Their Agents: How to Submit an Offer Asking for Owner Financing
1:04:31
1:04:31
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1:04:31In this insightful and extensive discussion, Dawn Rickabaugh, host of Property and Paper Live, sheds light on the evolving real estate market of mid-2025, emphasizing the growing importance and practicality of seller financing and note investing as viable alternatives to traditional bank financing. Dawn's core message targets everyday "Main Street"…
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Coffee with Bill: The End of an Era While The Legacy Continues in a New Voice
30:58
30:58
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30:58In 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 itse…
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The New Rules of Real Estate and Why Success Now Requires a Bold Agent Reinvention with Melissa Justice
27:21
27:21
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27:21In 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 …
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When the IRS Knocks, Be Ready with Strategy Not Fear with Carlos Samaniego
30:59
30:59
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30:59What 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 …
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This is the Market I Was Born For - Sellers and Buyers Don't Need Banks
43:09
43:09
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43:09A comprehensive discussion led by Dawn Rickabaugh on the current real estate market dynamics, owner financing strategies, note investing, and creative deal structuring amidst a shifting market landscape. Dawn emphasizes that the current market volatility and tightening liquidity create both challenges and opportunities for real estate investors, es…
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Private Investors in the Secondary Mortgage Market Breaking the Banks' Monopoly with Nathan Turner
23:52
23:52
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23:52You 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 monet…
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My Tenants are Asking to Buy the House and They Have a Big Down Payment
43:09
43:09
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43:09A woman returns to the show on behalf of her sister who owns a rental property in Ojai, CA. The tenants are offering to buy the property and we discuss her options. I also share a story where I didn't verify where a down payment came from, and the way it played out, I barely broke even instead of making an easy $30K. Find quick links at https://Lin…
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Reg D Syndication Success with Tilden Moschetti, Esq.
20:59
20:59
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20:59Join 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 lands…
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Creating Memorable Short-Term Stays that Redefine Home Away From Home with Mark Lumpkin
26:13
26:13
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26:13Mark 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…
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Disrupting the Deal: RealTrade's Take on Transparency, Data Ownership, and Agents Adapting in the New Era with Ryan Poole
49:57
49:57
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49:57Ryan 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 es…
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Coffee with Bill: Ghost Stories of the Market - Debunking Economic Fallacies in Real Estate with Bill Bymel
22:46
22:46
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22:46Economic 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…
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The Dirt Whisperer Exposes Foundation Repair Secrets: How Soil Science Can Save You Thousands with Bob Brown
21:19
21:19
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21:19Bob Brown, affectionately known as the Dirt Whisperer, brings 35 years of dirt expertise and experience to our latest episode, unmasking the foundation repair industry with his candid insights, as he reveals the hidden complexities of soil and its crucial role in maintaining strong building foundations, and uncovers the hidden truths behind foundat…
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Coffee with Bill: Adapting to Chaos and Embracing Change to Thrive in a Dynamic World with Bill Bymel
21:03
21:03
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21:03Join 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 …
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Transforming Oilfield Expertise and Energy Economics into Real Estate Wealth with Casey Gregersen
36:52
36:52
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36:52Casey Gregersen, Founder and CEO of Bighorn Capital Fund, real estate investor and engineer, shares his remarkable journey from the football field to the oil fields, and eventually into the world of real estate. From an unexpected journey into petroleum engineering to building a formidable real estate portfolio of 250 units, Casey's story is one of…
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Heartbreak to Homekeys: How One Father's Tragedy is Revolutionizing Homeless Recovery with Chris Occhipinti
28:12
28:12
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28:12After 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 t…
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Mom 'n Pop Landlord Nightmare Strategizing Seller Financing and the Value of the Note
40:35
40:35
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40:35My dear Robin in Texas, who has been a loyal and generous follower for years, comes on to talk in depth about her struggles to deal with bad tenants, rehab following eviction, and a potential exit using seller financing to sell the mobile on land to someone who needs a home. This is great for helping real estate and note investors think through the…
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Reimagining PropTech: the Real Estate CRM Solving Investment Fragmentation with Sharad Mehta
27:49
27:49
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27:49In 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'…
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Boom, Bust, and Beyond: An Insider's Caution on Florida's Red-Hot Market with Attorney Bishoy Habib
28:04
28:04
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28:04In 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…
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Coffee with Bill: Navigating New Realities - the Personal and Professional Storms that Make Us Resilient with Bill Bymel
17:53
17:53
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17:53As 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 fel…
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Cracking the Insurance Code: Insider Strategies for Real Estate Investment Protection with Scott Phillips
39:22
39:22
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39:22In 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…
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Market Mastery: Real Estate Investing Through Economic Cycles with Charles Carillo
22:11
22:11
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22:11Join 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 la…
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A Contrarian Investor's Guide to Finding Deals When Others See Decline with Zihao Wang
25:06
25:06
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25:06Unlock 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, of…
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Smart Development: Unlocking Value in Overlooked Properties with Luis Belmonte
31:09
31:09
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31:09From 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 sha…
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Lost Her Home in the Altadena Fire and Now Her Rental is Strangling Her
39:14
39:14
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39:14One of the most rewarding things in February's Property & Paper LIVE Q&A training was talking to someone in CA whose sister really needed some help figuring out what to do after the Altadena fire took her home, insurance turning out to be insufficient, and her "cash cow" rental in Ojai now feeling like a noose around her neck. We talk about some id…
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Land of Opportunity: Turning Empty Lots into a Real Estate Riches with Jack Bosch
34:56
34:56
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34:56German 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 cro…
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The Money Multiplier Method: Transform Your Debt into Long-Term Wealth with Brent Kesler
45:45
45:45
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45:45From 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 h…
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AI Meets Loan Trading: How Language Models Are Creating Near-Perfect Matches for Buyers and Sellers with Ofer Shapira
27:44
27:44
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27:44Discover 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 …
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Inside Reverse Mortgages: From Local Markets to National Portfolio Management with Christian Etienne
19:33
19:33
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19:33Enjoy 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 …
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The Art of Transforming Empty Lots into Vibrant Homes and Communities with Darcy Marler
26:50
26:50
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26:50In 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 b…
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Coffee with Bill: 2025 Great Real Estate Reset that Rewrites the Rules with Bill Bymel
24:53
24:53
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24:53Welcome 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 re…
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Building a Better Market: the Challenges and Innovative Solutions to Investing with Integrity with Ron McMahan
31:24
31:24
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31:24Ron 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 sm…
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How the Personalized Predictive Power of AI is Rewriting the Rules of Real Estate with Alex Goldovsky
44:18
44:18
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44:18Alex 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 mark…
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Resilience, Thriving and Wealth Building - Single-Family Beginnings to Multifamily Success with Mike Morawski
26:21
26:21
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26:21Buckle 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…
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Each Seller Financed Real Estate Transaction Gives Birth to a Little Baby Note!!
45:07
45:07
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45:07Yes, out of every owner financed transaction, a new little note 'baby' is born. Whether it is healthy and strong, or frail and sickly is dependent upon the genetics, the DNA, of the note and the circumstances under which it was conceived. I guess it's nature vs nurture ;-) Linktr.ee/DawnRickabaugh NoteQueen.com Apply for Mentorship…
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Sisu's Cutting Edge Real Estate Management Platform that's Empowering Team Performance with Brian Charlesworth
29:19
29:19
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29:19Discover the Finnish-inspired technology that's revolutionizing real estate, with our guest, Brian Charlesworth, co-creator of Sisu, a real estate analytics and transaction management software that's empowering real estate teams and brokerages to exceed their own expectations. We discuss: - Sisu's Finnish-inspired ethos of pushing beyond perceived …
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Property & Paper [LIVE] Real Estate and Note Investing Q&A and Training
41:40
41:40
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41:40Another great session where we talk about seller financing and how it connects real estate investing and note investing. All of you make it what it is!! We are ramping up to be ready for whatever 2025 brings. Creative real estate strategies, especially with knowledge of the secondary market for notes (the note business) will make the difference bet…
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REAL TidBits Series: Market Landscape Influences - a Century of Florida Real Estate
24:50
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24:50This episode is a quick masterclass for anyone interested in understanding market dynamics and the socio-economic forces that shape housing landscapes. Through personal anecdotes and historical reflections, we explore how past patterns can illuminate present trends and potentially forecast future downturns. Join me as we unravel a century's worth o…
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Coffee with Bill: Decoding the Dynamics of European and Middle Eastern Markets
25:11
25:11
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25:11Grab 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 M…
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Uncovering the Unique Advantages of the Flex Industrial Frontier with Jeremy Friedman
24:35
24:35
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24:35Step 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, CE…
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Profit with Purpose: How Housing on Merit is Rewriting the Affordable Housing Playbook with Jaymie Beckett
22:46
22:46
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22:46Step 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 playb…
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Real Estate Without Borders: How SHARE is Bringing Institutional Power to Individual Investors with Andrew Kim
25:12
25:12
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25:12Andrew 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…
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Coffee with Bill: Bid Day - Mastering Winning Bidding in a Dynamic Market
16:33
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16:33Tomorrow 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 intentio…
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Commercial Real Estate CLOs on the Edge: Unraveling the Risks and Hidden Tactics with Rod Dubitsky
36:03
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36:03Rod 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 t…
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Opportunities and Adaptation Strategies Beyond Traditional Financing in the New Normal of Real Estate with Vernon Beckford
27:40
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27:40Join 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 inve…
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