Investors, 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 property assessments, and unstable insurance markets (especially in disaster-prone states like Florida) are placing serious strain on borrowers - triggering payment delinquencies, distressed assets, and a rising tide of investment opportunity... or risk, if you're unprepared.

Tune in to discover how these forces are fueling non-performing loans, note-buying opportunities, and deep-value mortgage debt plays:

• Why PITI volatility is accelerating default risk, even on performing loans
• How insurance and tax hikes are eroding cash flow and collateral value across portfolios
• Where the dislocation is opening strategic opportunities for savvy debt investors
• The key metrics and warning signs every note buyer, fund manager, and servicer must monitor now

If you’re investing in non-performing loans, mortgage-backed securities, or real estate debt of any kind, this is not just another market cycle - this is a structural shift. Get ahead of it.

Whether you're holding a residential portfolio, managing commercial assets, or simply trying to stay afloat with your family home, this episode equips you with the insight and strategy needed to navigate today’s shifting terrain.

Tune in to uncover actionable solutions, insider analysis, and a new lens on what you need to do now when the old rules no longer apply.

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.

We 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 goldmines. While legacy lenders and overleveraged owners scramble, savvy investors are stepping in with dry powder and discipline to seize deeply discounted debt.

We explore:

• Why the current credit environment is accelerating distressed opportunities
• How forced selling and cap rate expansion are reshaping deal flow
• What this means for note buyers, special servicers, and capital allocators
• The importance of liquidity, patience, and precision in this unfolding reset

If you're actively acquiring non-performing loans, managing distressed assets, or building a pipeline of undervalued paper, this episode delivers the insights you need to stay ahead of the curve and position yourself for what's next in the debt markets.

This isn’t another doomsday forecast. The dislocation is real. And so is the upside - if you know where to look.

In this historic market dislocation, the ones with strategy and expertise won’t just survive - they’ll thrive.

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.

Welcome 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.

While most investors run from foreclosures and defaults, Bill runs toward them. He pulls back the curtain on the world of distressed debt, where fortunes are made by those whoknow how to create opportunity in financial chaos.

In this powerful opening episode, Bill breaks down:

• What most investors misunderstand about distressed real estate debt
• How his borrower-centric approach unlocks better loan resolution outcomes
• Where today’s mortgage default trends are creating once-in-a-generation opportunities
• Why buying non-performing mortgage notes can outperform traditional real estate deals

Whether you're an investor, entrepreneur, or financial professional, looking to tap into the growing wave of distressed debt opportunities or need management or resolution expertise, you’ll want to hear Bill’s take on where the market’s headed and how to profit with purpose.

If you're looking to gain an edge in note investing, foreclosure alternatives, or real estate-backed debt acquisition, this is your front-row seat to the strategies that matter now.

This isn’t theory. It’s a behind-the-scenes look at how to build wealth and make a meaningful impact - directly from the Debt Doctor himself.

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.