{"id":4661,"date":"2024-06-22T05:41:20","date_gmt":"2024-06-22T12:41:20","guid":{"rendered":"http:\/\/billbymel.com\/Staging\/?p=4661"},"modified":"2025-07-23T21:44:33","modified_gmt":"2025-07-24T04:44:33","slug":"enhanced-oversight-of-commercial-real-estate-loan-portfolios","status":"publish","type":"post","link":"https:\/\/billbymel.com\/Staging\/enhanced-oversight-of-commercial-real-estate-loan-portfolios\/","title":{"rendered":"The Imperative Need for Enhanced Oversight of Commercial Real Estate Loan Portfolios"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"4661\" class=\"elementor elementor-4661\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3181761 elementor-section-full_width elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no\" data-id=\"3181761\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wide\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-10f85a2c left_section\" data-id=\"10f85a2c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-599e711 wpr-grid-columns-1 wpr-grid-columns--tablet1 wpr-grid-columns--mobile1 wpr-grid-pagination-center wpr-item-styles-inner elementor-widget elementor-widget-wpr-grid\" data-id=\"599e711\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"wpr-grid.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<ul class=\"wpr-grid-filters elementor-clearfix wpr-grid-filters-sep-right\"><li class=\" wpr-pointer-none wpr-pointer-line-fx wpr-pointer-fx-none\"><span  data-filter=\"*\" class=\"wpr-grid-filters-item wpr-active-filter \">All Posts<\/span><em class=\"wpr-grid-filters-sep\"><\/em><\/li><li class=\" wpr-pointer-none wpr-pointer-line-fx wpr-pointer-fx-none\"><span   data-ajax-filter=[\"category\",\"asset-evaluation\"]  data-filter=\".category-asset-evaluation\">Asset Evaluation<\/span><em class=\"wpr-grid-filters-sep\"><\/em><\/li><li class=\" wpr-pointer-none wpr-pointer-line-fx wpr-pointer-fx-none\"><span   data-ajax-filter=[\"category\",\"asset-management\"]  data-filter=\".category-asset-management\">Asset Management and Servicing<\/span><em class=\"wpr-grid-filters-sep\"><\/em><\/li><li class=\" wpr-pointer-none wpr-pointer-line-fx wpr-pointer-fx-none\"><span   data-ajax-filter=[\"category\",\"coffee-with-bill\"]  data-filter=\".category-coffee-with-bill\">Coffee with Bill<\/span><em class=\"wpr-grid-filters-sep\"><\/em><\/li><li class=\" wpr-pointer-none wpr-pointer-line-fx wpr-pointer-fx-none\"><span   data-ajax-filter=[\"category\",\"commercial-real-estate\"]  data-filter=\".category-commercial-real-estate\">Commercial Real Estate<\/span><em class=\"wpr-grid-filters-sep\"><\/em><\/li><li class=\" wpr-pointer-none wpr-pointer-line-fx wpr-pointer-fx-none\"><span   data-ajax-filter=[\"category\",\"debt-doctor\"]  data-filter=\".category-debt-doctor\">Debt Doctor<\/span><em class=\"wpr-grid-filters-sep\"><\/em><\/li><li class=\" wpr-pointer-none wpr-pointer-line-fx wpr-pointer-fx-none\"><span   data-ajax-filter=[\"category\",\"due-diligence\"]  data-filter=\".category-due-diligence\">Due Diligence<\/span><em class=\"wpr-grid-filters-sep\"><\/em><\/li><li class=\" wpr-pointer-none wpr-pointer-line-fx wpr-pointer-fx-none\"><span   data-ajax-filter=[\"category\",\"financing\"]  data-filter=\".category-financing\">Financing and Funding<\/span><em class=\"wpr-grid-filters-sep\"><\/em><\/li><li class=\" wpr-pointer-none wpr-pointer-line-fx wpr-pointer-fx-none\"><span   data-ajax-filter=[\"category\",\"industry-updates\"]  data-filter=\".category-industry-updates\">Industry News and Updates<\/span><em class=\"wpr-grid-filters-sep\"><\/em><\/li><li class=\" wpr-pointer-none wpr-pointer-line-fx wpr-pointer-fx-none\"><span   data-ajax-filter=[\"category\",\"investment-strategies\"]  data-filter=\".category-investment-strategies\">Investment Strategies<\/span><em class=\"wpr-grid-filters-sep\"><\/em><\/li><li class=\" wpr-pointer-none wpr-pointer-line-fx wpr-pointer-fx-none\"><span   data-ajax-filter=[\"category\",\"market-analysis\"]  data-filter=\".category-market-analysis\">Market Analysis and Trends<\/span><em class=\"wpr-grid-filters-sep\"><\/em><\/li><li class=\" wpr-pointer-none wpr-pointer-line-fx wpr-pointer-fx-none\"><span   data-ajax-filter=[\"category\",\"mortgage-note-investing\"]  data-filter=\".category-mortgage-note-investing\">Mortgage Note Investing<\/span><em class=\"wpr-grid-filters-sep\"><\/em><\/li><li class=\" wpr-pointer-none wpr-pointer-line-fx wpr-pointer-fx-none\"><span   data-ajax-filter=[\"category\",\"networking\"]  data-filter=\".category-networking\">Networking and Partnerships<\/span><em class=\"wpr-grid-filters-sep\"><\/em><\/li><li class=\" wpr-pointer-none wpr-pointer-line-fx wpr-pointer-fx-none\"><span   data-ajax-filter=[\"category\",\"press\"]  data-filter=\".category-press\">Press<\/span><em class=\"wpr-grid-filters-sep\"><\/em><\/li><li class=\" wpr-pointer-none wpr-pointer-line-fx wpr-pointer-fx-none\"><span   data-ajax-filter=[\"category\",\"private-credit\"]  data-filter=\".category-private-credit\">Private Credit<\/span><em class=\"wpr-grid-filters-sep\"><\/em><\/li><li class=\" wpr-pointer-none wpr-pointer-line-fx wpr-pointer-fx-none\"><span   data-ajax-filter=[\"category\",\"prop-tech\"]  data-filter=\".category-prop-tech\">PropTech<\/span><em class=\"wpr-grid-filters-sep\"><\/em><\/li><li class=\" wpr-pointer-none wpr-pointer-line-fx wpr-pointer-fx-none\"><span   data-ajax-filter=[\"category\",\"real-estate-lowdown\"]  data-filter=\".category-real-estate-lowdown\">Real Estate Lowdown<\/span><em class=\"wpr-grid-filters-sep\"><\/em><\/li><li class=\" wpr-pointer-none wpr-pointer-line-fx wpr-pointer-fx-none\"><span   data-ajax-filter=[\"category\",\"real-estate-owned\"]  data-filter=\".category-real-estate-owned\">Real Estate Owned<\/span><em class=\"wpr-grid-filters-sep\"><\/em><\/li><li class=\" wpr-pointer-none wpr-pointer-line-fx wpr-pointer-fx-none\"><span   data-ajax-filter=[\"category\",\"secondary-mortgage-market\"]  data-filter=\".category-secondary-mortgage-market\">Secondary Mortgage Market<\/span><em class=\"wpr-grid-filters-sep\"><\/em><\/li><li class=\" wpr-pointer-none wpr-pointer-line-fx wpr-pointer-fx-none\"><span   data-ajax-filter=[\"category\",\"success-stories\"]  data-filter=\".category-success-stories\">Success Stories and Case Studies<\/span><em class=\"wpr-grid-filters-sep\"><\/em><\/li><li class=\" wpr-pointer-none wpr-pointer-line-fx wpr-pointer-fx-none\"><span   data-ajax-filter=[\"category\",\"the-storm\"]  data-filter=\".category-the-storm\">The Storm<\/span><em class=\"wpr-grid-filters-sep\"><\/em><\/li><li class=\" wpr-pointer-none wpr-pointer-line-fx wpr-pointer-fx-none\"><span   data-ajax-filter=[\"category\",\"win-win-webinar\"]  data-filter=\".category-win-win-webinar\">Win-Win Webinar<\/span><em class=\"wpr-grid-filters-sep\"><\/em><\/li><\/ul><section class=\"wpr-grid elementor-clearfix\" data-settings=\"{&quot;layout&quot;:&quot;fitRows&quot;,&quot;stick_last_element_to_bottom&quot;:&quot;&quot;,&quot;columns_desktop&quot;:&quot;1&quot;,&quot;gutter_hr&quot;:30,&quot;gutter_hr_mobile&quot;:30,&quot;gutter_hr_mobile_extra&quot;:30,&quot;gutter_hr_tablet&quot;:30,&quot;gutter_hr_tablet_extra&quot;:30,&quot;gutter_hr_laptop&quot;:30,&quot;gutter_hr_widescreen&quot;:30,&quot;gutter_vr&quot;:30,&quot;gutter_vr_mobile&quot;:30,&quot;gutter_vr_mobile_extra&quot;:30,&quot;gutter_vr_tablet&quot;:30,&quot;gutter_vr_tablet_extra&quot;:30,&quot;gutter_vr_laptop&quot;:30,&quot;gutter_vr_widescreen&quot;:30,&quot;animation&quot;:&quot;default&quot;,&quot;animation_duration&quot;:0.3,&quot;animation_delay&quot;:0.1,&quot;deeplinking&quot;:&quot;&quot;,&quot;filters_linkable&quot;:&quot;no&quot;,&quot;filters_default_filter&quot;:&quot;&quot;,&quot;filters_count&quot;:&quot;&quot;,&quot;filters_hide_empty&quot;:&quot;no&quot;,&quot;filters_animation&quot;:&quot;default&quot;,&quot;filters_animation_duration&quot;:0.3,&quot;filters_animation_delay&quot;:0.1,&quot;pagination_type&quot;:&quot;default&quot;,&quot;pagination_max_pages&quot;:10,&quot;lightbox&quot;:{&quot;selector&quot;:&quot;.wpr-grid-image-wrap&quot;,&quot;iframeMaxWidth&quot;:&quot;60%&quot;,&quot;hash&quot;:false,&quot;autoplay&quot;:&quot;true&quot;,&quot;pause&quot;:5000,&quot;progressBar&quot;:&quot;true&quot;,&quot;counter&quot;:&quot;true&quot;,&quot;controls&quot;:&quot;true&quot;,&quot;getCaptionFromTitleOrAlt&quot;:&quot;true&quot;,&quot;thumbnail&quot;:&quot;&quot;,&quot;showThumbByDefault&quot;:&quot;&quot;,&quot;share&quot;:&quot;&quot;,&quot;zoom&quot;:&quot;true&quot;,&quot;fullScreen&quot;:&quot;true&quot;,&quot;download&quot;:&quot;true&quot;}}\" data-advanced-filters=\"no\"><article class=\"wpr-grid-item elementor-clearfix post-11312 post type-post status-publish format-standard has-post-thumbnail hentry category-debt-doctor category-financing category-industry-updates category-private-credit tag-blog\"><div class=\"wpr-grid-item-inner\"><div class=\"wpr-grid-media-wrap wpr-effect-size-medium \" data-overlay-link=\"\"><div class=\"wpr-grid-image-wrap\" data-src=\"https:\/\/billbymel.com\/Staging\/wp-content\/uploads\/2026\/07\/that-airline-credit-card-isnt-the-deal-you-think.png\" data-img-on-hover=\"\"  data-src-secondary=\"\"><img decoding=\"async\" data-no-lazy=\"1\" src=\"https:\/\/billbymel.com\/Staging\/wp-content\/uploads\/2026\/07\/that-airline-credit-card-isnt-the-deal-you-think.png\" alt=\"That Airline Credit Card Isn&#8217;t the Deal You Think\" class=\"wpr-anim-timing-ease-default\"><\/div><div class=\"wpr-grid-media-hover wpr-animation-wrap\"><div class=\"wpr-grid-media-hover-bg  wpr-overlay-fade-in wpr-anim-size-medium wpr-anim-timing-ease-default wpr-anim-transparency\" data-url=\"https:\/\/billbymel.com\/Staging\/that-airline-credit-card-isnt-the-deal-you-think\/\"><\/div><\/div><\/div><div class=\"wpr-grid-item-below-content elementor-clearfix\"><h2 class=\"wpr-grid-item-title elementor-repeater-item-fa6628f wpr-grid-item-display-block wpr-grid-item-align-left wpr-pointer-none wpr-pointer-line-fx wpr-pointer-fx-fade\"><div class=\"inner-block\"><a target=\"_self\"  href=\"https:\/\/billbymel.com\/Staging\/that-airline-credit-card-isnt-the-deal-you-think\/\">That Airline Credit Card Isn&#8217;t the Deal You Think<\/a><\/div><\/h2><div class=\"wpr-grid-item-author elementor-repeater-item-5ab9296 wpr-grid-item-display-inline wpr-grid-item-align-left\"><div class=\"inner-block\"><span class=\"wpr-grid-extra-text-left\">By<\/span><a href=\"https:\/\/billbymel.com\/Staging\/author\/admin\/\"><span>Bill Bymel<\/span><\/a><\/div><\/div><div class=\"wpr-grid-item-date elementor-repeater-item-042dafc wpr-grid-item-display-inline wpr-grid-item-align-left\"><div class=\"inner-block\"><span><span class=\"wpr-grid-extra-text-left\">-<\/span><span class=\"wpr-grid-extra-icon-left\"><i aria-hidden=\"true\" class=\"far fa-clock\"><\/i><\/span>July 8, 2026<\/span><\/div><\/div><\/div><\/div><\/article><article class=\"wpr-grid-item elementor-clearfix post-11257 post type-post status-publish format-standard has-post-thumbnail hentry category-asset-evaluation category-debt-doctor category-financing category-investment-strategies category-market-analysis category-private-credit category-secondary-mortgage-market tag-blog\"><div class=\"wpr-grid-item-inner\"><div class=\"wpr-grid-media-wrap wpr-effect-size-medium \" data-overlay-link=\"\"><div class=\"wpr-grid-image-wrap\" data-src=\"https:\/\/billbymel.com\/Staging\/wp-content\/uploads\/2026\/06\/this-makes-manufactured-housing-worth-a-second-look.png\" data-img-on-hover=\"\"  data-src-secondary=\"\"><img decoding=\"async\" data-no-lazy=\"1\" src=\"https:\/\/billbymel.com\/Staging\/wp-content\/uploads\/2026\/06\/this-makes-manufactured-housing-worth-a-second-look.png\" alt=\"This Makes Manufactured Housing Worth A Second Look\" class=\"wpr-anim-timing-ease-default\"><\/div><div class=\"wpr-grid-media-hover wpr-animation-wrap\"><div class=\"wpr-grid-media-hover-bg  wpr-overlay-fade-in wpr-anim-size-medium wpr-anim-timing-ease-default wpr-anim-transparency\" data-url=\"https:\/\/billbymel.com\/Staging\/this-makes-manufactured-housing-worth-a-second-look\/\"><\/div><\/div><\/div><div class=\"wpr-grid-item-below-content elementor-clearfix\"><h2 class=\"wpr-grid-item-title elementor-repeater-item-fa6628f wpr-grid-item-display-block wpr-grid-item-align-left wpr-pointer-none wpr-pointer-line-fx wpr-pointer-fx-fade\"><div class=\"inner-block\"><a target=\"_self\"  href=\"https:\/\/billbymel.com\/Staging\/this-makes-manufactured-housing-worth-a-second-look\/\">This Makes Manufactured Housing Worth A Second Look<\/a><\/div><\/h2><div class=\"wpr-grid-item-author elementor-repeater-item-5ab9296 wpr-grid-item-display-inline wpr-grid-item-align-left\"><div class=\"inner-block\"><span class=\"wpr-grid-extra-text-left\">By<\/span><a href=\"https:\/\/billbymel.com\/Staging\/author\/admin\/\"><span>Bill Bymel<\/span><\/a><\/div><\/div><div class=\"wpr-grid-item-date elementor-repeater-item-042dafc wpr-grid-item-display-inline wpr-grid-item-align-left\"><div class=\"inner-block\"><span><span class=\"wpr-grid-extra-text-left\">-<\/span><span class=\"wpr-grid-extra-icon-left\"><i aria-hidden=\"true\" class=\"far fa-clock\"><\/i><\/span>June 24, 2026<\/span><\/div><\/div><\/div><\/div><\/article><article class=\"wpr-grid-item elementor-clearfix post-11238 post type-post status-publish format-standard has-post-thumbnail hentry category-debt-doctor category-financing category-investment-strategies category-private-credit tag-blog\"><div class=\"wpr-grid-item-inner\"><div class=\"wpr-grid-media-wrap wpr-effect-size-medium \" data-overlay-link=\"\"><div class=\"wpr-grid-image-wrap\" data-src=\"https:\/\/billbymel.com\/Staging\/wp-content\/uploads\/2026\/06\/ar-financing-clean.png\" data-img-on-hover=\"\"  data-src-secondary=\"\"><img decoding=\"async\" data-no-lazy=\"1\" src=\"https:\/\/billbymel.com\/Staging\/wp-content\/uploads\/2026\/06\/ar-financing-clean.png\" alt=\"Accounts Receivable Financing Funds the Unfundable\" class=\"wpr-anim-timing-ease-default\"><\/div><div class=\"wpr-grid-media-hover wpr-animation-wrap\"><div class=\"wpr-grid-media-hover-bg  wpr-overlay-fade-in wpr-anim-size-medium wpr-anim-timing-ease-default wpr-anim-transparency\" data-url=\"https:\/\/billbymel.com\/Staging\/accounts-receivable-financing-funds-the-unfundable\/\"><\/div><\/div><\/div><div class=\"wpr-grid-item-below-content elementor-clearfix\"><h2 class=\"wpr-grid-item-title elementor-repeater-item-fa6628f wpr-grid-item-display-block wpr-grid-item-align-left wpr-pointer-none wpr-pointer-line-fx wpr-pointer-fx-fade\"><div class=\"inner-block\"><a target=\"_self\"  href=\"https:\/\/billbymel.com\/Staging\/accounts-receivable-financing-funds-the-unfundable\/\">Accounts Receivable Financing Funds the Unfundable<\/a><\/div><\/h2><div class=\"wpr-grid-item-author elementor-repeater-item-5ab9296 wpr-grid-item-display-inline wpr-grid-item-align-left\"><div class=\"inner-block\"><span class=\"wpr-grid-extra-text-left\">By<\/span><a href=\"https:\/\/billbymel.com\/Staging\/author\/admin\/\"><span>Bill Bymel<\/span><\/a><\/div><\/div><div class=\"wpr-grid-item-date elementor-repeater-item-042dafc wpr-grid-item-display-inline wpr-grid-item-align-left\"><div class=\"inner-block\"><span><span class=\"wpr-grid-extra-text-left\">-<\/span><span class=\"wpr-grid-extra-icon-left\"><i aria-hidden=\"true\" class=\"far fa-clock\"><\/i><\/span>June 17, 2026<\/span><\/div><\/div><\/div><\/div><\/article><article class=\"wpr-grid-item elementor-clearfix post-11216 post type-post status-publish format-standard has-post-thumbnail hentry category-debt-doctor category-financing category-industry-updates category-investment-strategies category-market-analysis category-secondary-mortgage-market tag-blog\"><div class=\"wpr-grid-item-inner\"><div class=\"wpr-grid-media-wrap wpr-effect-size-medium \" data-overlay-link=\"\"><div class=\"wpr-grid-image-wrap\" data-src=\"https:\/\/billbymel.com\/Staging\/wp-content\/uploads\/2026\/06\/the-housing-shortage-myth-refuses-to-die-and-what-its-costing-you.png\" data-img-on-hover=\"\"  data-src-secondary=\"\"><img decoding=\"async\" data-no-lazy=\"1\" src=\"https:\/\/billbymel.com\/Staging\/wp-content\/uploads\/2026\/06\/the-housing-shortage-myth-refuses-to-die-and-what-its-costing-you.png\" alt=\"The Housing Shortage Myth Refuses to Die and What It&#8217;s Costing You\" class=\"wpr-anim-timing-ease-default\"><\/div><div class=\"wpr-grid-media-hover wpr-animation-wrap\"><div class=\"wpr-grid-media-hover-bg  wpr-overlay-fade-in wpr-anim-size-medium wpr-anim-timing-ease-default wpr-anim-transparency\" data-url=\"https:\/\/billbymel.com\/Staging\/the-housing-shortage-myth-refuses-to-die-and-what-its-costing-you\/\"><\/div><\/div><\/div><div class=\"wpr-grid-item-below-content elementor-clearfix\"><h2 class=\"wpr-grid-item-title elementor-repeater-item-fa6628f wpr-grid-item-display-block wpr-grid-item-align-left wpr-pointer-none wpr-pointer-line-fx wpr-pointer-fx-fade\"><div class=\"inner-block\"><a target=\"_self\"  href=\"https:\/\/billbymel.com\/Staging\/the-housing-shortage-myth-refuses-to-die-and-what-its-costing-you\/\">The Housing Shortage Myth Refuses to Die and What It&#8217;s Costing You<\/a><\/div><\/h2><div class=\"wpr-grid-item-author elementor-repeater-item-5ab9296 wpr-grid-item-display-inline wpr-grid-item-align-left\"><div class=\"inner-block\"><span class=\"wpr-grid-extra-text-left\">By<\/span><a href=\"https:\/\/billbymel.com\/Staging\/author\/admin\/\"><span>Bill Bymel<\/span><\/a><\/div><\/div><div class=\"wpr-grid-item-date elementor-repeater-item-042dafc wpr-grid-item-display-inline wpr-grid-item-align-left\"><div class=\"inner-block\"><span><span class=\"wpr-grid-extra-text-left\">-<\/span><span class=\"wpr-grid-extra-icon-left\"><i aria-hidden=\"true\" class=\"far fa-clock\"><\/i><\/span>June 10, 2026<\/span><\/div><\/div><\/div><\/div><\/article><article class=\"wpr-grid-item elementor-clearfix post-11171 post type-post status-publish format-standard has-post-thumbnail hentry category-asset-evaluation category-commercial-real-estate category-debt-doctor category-financing category-investment-strategies category-market-analysis category-private-credit category-secondary-mortgage-market tag-blog\"><div class=\"wpr-grid-item-inner\"><div class=\"wpr-grid-media-wrap wpr-effect-size-medium \" data-overlay-link=\"\"><div class=\"wpr-grid-image-wrap\" data-src=\"https:\/\/billbymel.com\/Staging\/wp-content\/uploads\/2026\/06\/the-risk-hiding-under-the-private-credit-boom.png\" data-img-on-hover=\"\"  data-src-secondary=\"\"><img decoding=\"async\" data-no-lazy=\"1\" src=\"https:\/\/billbymel.com\/Staging\/wp-content\/uploads\/2026\/06\/the-risk-hiding-under-the-private-credit-boom.png\" alt=\"The Risk Hiding Under the Private Credit Boom\" class=\"wpr-anim-timing-ease-default\"><\/div><div class=\"wpr-grid-media-hover wpr-animation-wrap\"><div class=\"wpr-grid-media-hover-bg  wpr-overlay-fade-in wpr-anim-size-medium wpr-anim-timing-ease-default wpr-anim-transparency\" data-url=\"https:\/\/billbymel.com\/Staging\/the-risk-hiding-under-the-private-credit-boom\/\"><\/div><\/div><\/div><div class=\"wpr-grid-item-below-content elementor-clearfix\"><h2 class=\"wpr-grid-item-title elementor-repeater-item-fa6628f wpr-grid-item-display-block wpr-grid-item-align-left wpr-pointer-none wpr-pointer-line-fx wpr-pointer-fx-fade\"><div class=\"inner-block\"><a target=\"_self\"  href=\"https:\/\/billbymel.com\/Staging\/the-risk-hiding-under-the-private-credit-boom\/\">The Risk Hiding Under the Private Credit Boom<\/a><\/div><\/h2><div class=\"wpr-grid-item-author elementor-repeater-item-5ab9296 wpr-grid-item-display-inline wpr-grid-item-align-left\"><div class=\"inner-block\"><span class=\"wpr-grid-extra-text-left\">By<\/span><a href=\"https:\/\/billbymel.com\/Staging\/author\/admin\/\"><span>Bill Bymel<\/span><\/a><\/div><\/div><div class=\"wpr-grid-item-date elementor-repeater-item-042dafc wpr-grid-item-display-inline wpr-grid-item-align-left\"><div class=\"inner-block\"><span><span class=\"wpr-grid-extra-text-left\">-<\/span><span class=\"wpr-grid-extra-icon-left\"><i aria-hidden=\"true\" class=\"far fa-clock\"><\/i><\/span>June 3, 2026<\/span><\/div><\/div><\/div><\/div><\/article><article class=\"wpr-grid-item elementor-clearfix post-11156 post type-post status-publish format-standard has-post-thumbnail hentry category-commercial-real-estate category-debt-doctor category-financing category-investment-strategies category-market-analysis category-private-credit category-secondary-mortgage-market tag-blog\"><div class=\"wpr-grid-item-inner\"><div class=\"wpr-grid-media-wrap wpr-effect-size-medium \" data-overlay-link=\"\"><div class=\"wpr-grid-image-wrap\" data-src=\"https:\/\/billbymel.com\/Staging\/wp-content\/uploads\/2026\/05\/private-credit-lives-where-traditional-lending-stops1.png\" data-img-on-hover=\"\"  data-src-secondary=\"\"><img decoding=\"async\" data-no-lazy=\"1\" src=\"https:\/\/billbymel.com\/Staging\/wp-content\/uploads\/2026\/05\/private-credit-lives-where-traditional-lending-stops1.png\" alt=\"Private Credit Lives Where Traditional Lending Stops\" class=\"wpr-anim-timing-ease-default\"><\/div><div class=\"wpr-grid-media-hover wpr-animation-wrap\"><div class=\"wpr-grid-media-hover-bg  wpr-overlay-fade-in wpr-anim-size-medium wpr-anim-timing-ease-default wpr-anim-transparency\" data-url=\"https:\/\/billbymel.com\/Staging\/private-credit-lives-where-traditional-lending-stops\/\"><\/div><\/div><\/div><div class=\"wpr-grid-item-below-content elementor-clearfix\"><h2 class=\"wpr-grid-item-title elementor-repeater-item-fa6628f wpr-grid-item-display-block wpr-grid-item-align-left wpr-pointer-none wpr-pointer-line-fx wpr-pointer-fx-fade\"><div class=\"inner-block\"><a target=\"_self\"  href=\"https:\/\/billbymel.com\/Staging\/private-credit-lives-where-traditional-lending-stops\/\">Private Credit Lives Where Traditional Lending Stops<\/a><\/div><\/h2><div class=\"wpr-grid-item-author elementor-repeater-item-5ab9296 wpr-grid-item-display-inline wpr-grid-item-align-left\"><div class=\"inner-block\"><span class=\"wpr-grid-extra-text-left\">By<\/span><a href=\"https:\/\/billbymel.com\/Staging\/author\/admin\/\"><span>Bill Bymel<\/span><\/a><\/div><\/div><div class=\"wpr-grid-item-date elementor-repeater-item-042dafc wpr-grid-item-display-inline wpr-grid-item-align-left\"><div class=\"inner-block\"><span><span class=\"wpr-grid-extra-text-left\">-<\/span><span class=\"wpr-grid-extra-icon-left\"><i aria-hidden=\"true\" class=\"far fa-clock\"><\/i><\/span>May 27, 2026<\/span><\/div><\/div><\/div><\/div><\/article><article class=\"wpr-grid-item elementor-clearfix post-11130 post type-post status-publish format-standard has-post-thumbnail hentry category-commercial-real-estate category-debt-doctor category-investment-strategies category-market-analysis category-private-credit category-secondary-mortgage-market tag-blog\"><div class=\"wpr-grid-item-inner\"><div class=\"wpr-grid-media-wrap wpr-effect-size-medium \" data-overlay-link=\"\"><div class=\"wpr-grid-image-wrap\" data-src=\"https:\/\/billbymel.com\/Staging\/wp-content\/uploads\/2026\/05\/distressed-commercial-real-estate-deals-dont-die-from-bad-assets.png\" data-img-on-hover=\"\"  data-src-secondary=\"\"><img decoding=\"async\" data-no-lazy=\"1\" src=\"https:\/\/billbymel.com\/Staging\/wp-content\/uploads\/2026\/05\/distressed-commercial-real-estate-deals-dont-die-from-bad-assets.png\" alt=\"Distressed Commercial Real Estate Deals Don&#8217;t Die From Bad Assets\" class=\"wpr-anim-timing-ease-default\"><\/div><div class=\"wpr-grid-media-hover wpr-animation-wrap\"><div class=\"wpr-grid-media-hover-bg  wpr-overlay-fade-in wpr-anim-size-medium wpr-anim-timing-ease-default wpr-anim-transparency\" data-url=\"https:\/\/billbymel.com\/Staging\/distressed-commercial-real-estate-deals-dont-die-from-bad-assets\/\"><\/div><\/div><\/div><div class=\"wpr-grid-item-below-content elementor-clearfix\"><h2 class=\"wpr-grid-item-title elementor-repeater-item-fa6628f wpr-grid-item-display-block wpr-grid-item-align-left wpr-pointer-none wpr-pointer-line-fx wpr-pointer-fx-fade\"><div class=\"inner-block\"><a target=\"_self\"  href=\"https:\/\/billbymel.com\/Staging\/distressed-commercial-real-estate-deals-dont-die-from-bad-assets\/\">Distressed Commercial Real Estate Deals Don&#8217;t Die From Bad Assets<\/a><\/div><\/h2><div class=\"wpr-grid-item-author elementor-repeater-item-5ab9296 wpr-grid-item-display-inline wpr-grid-item-align-left\"><div class=\"inner-block\"><span class=\"wpr-grid-extra-text-left\">By<\/span><a href=\"https:\/\/billbymel.com\/Staging\/author\/admin\/\"><span>Bill Bymel<\/span><\/a><\/div><\/div><div class=\"wpr-grid-item-date elementor-repeater-item-042dafc wpr-grid-item-display-inline wpr-grid-item-align-left\"><div class=\"inner-block\"><span><span class=\"wpr-grid-extra-text-left\">-<\/span><span class=\"wpr-grid-extra-icon-left\"><i aria-hidden=\"true\" class=\"far fa-clock\"><\/i><\/span>May 20, 2026<\/span><\/div><\/div><\/div><\/div><\/article><article class=\"wpr-grid-item elementor-clearfix post-11179 post type-post status-publish format-standard has-post-thumbnail hentry category-asset-evaluation category-commercial-real-estate category-market-analysis category-private-credit category-secondary-mortgage-market category-the-storm tag-blog\"><div class=\"wpr-grid-item-inner\"><div class=\"wpr-grid-media-wrap wpr-effect-size-medium \" data-overlay-link=\"\"><div class=\"wpr-grid-image-wrap\" data-src=\"https:\/\/billbymel.com\/Staging\/wp-content\/uploads\/2026\/05\/the-most-important-number-on-the-loan-file-how-insurance-premiums-became-a-credit-risk.png\" data-img-on-hover=\"\"  data-src-secondary=\"\"><img decoding=\"async\" data-no-lazy=\"1\" src=\"https:\/\/billbymel.com\/Staging\/wp-content\/uploads\/2026\/05\/the-most-important-number-on-the-loan-file-how-insurance-premiums-became-a-credit-risk.png\" alt=\"The Most Important Number on the Loan File: How Insurance Premiums Became a Credit Risk\" class=\"wpr-anim-timing-ease-default\"><\/div><div class=\"wpr-grid-media-hover wpr-animation-wrap\"><div class=\"wpr-grid-media-hover-bg  wpr-overlay-fade-in wpr-anim-size-medium wpr-anim-timing-ease-default wpr-anim-transparency\" data-url=\"https:\/\/billbymel.com\/Staging\/the-most-important-number-on-the-loan-file-how-insurance-premiums-became-a-credit-risk\/\"><\/div><\/div><\/div><div class=\"wpr-grid-item-below-content elementor-clearfix\"><h2 class=\"wpr-grid-item-title elementor-repeater-item-fa6628f wpr-grid-item-display-block wpr-grid-item-align-left wpr-pointer-none wpr-pointer-line-fx wpr-pointer-fx-fade\"><div class=\"inner-block\"><a target=\"_self\"  href=\"https:\/\/billbymel.com\/Staging\/the-most-important-number-on-the-loan-file-how-insurance-premiums-became-a-credit-risk\/\">The Most Important Number on the Loan File: How Insurance Premiums Became a Credit Risk<\/a><\/div><\/h2><div class=\"wpr-grid-item-author elementor-repeater-item-5ab9296 wpr-grid-item-display-inline wpr-grid-item-align-left\"><div class=\"inner-block\"><span class=\"wpr-grid-extra-text-left\">By<\/span><a href=\"https:\/\/billbymel.com\/Staging\/author\/admin\/\"><span>Bill Bymel<\/span><\/a><\/div><\/div><div class=\"wpr-grid-item-date elementor-repeater-item-042dafc wpr-grid-item-display-inline wpr-grid-item-align-left\"><div class=\"inner-block\"><span><span class=\"wpr-grid-extra-text-left\">-<\/span><span class=\"wpr-grid-extra-icon-left\"><i aria-hidden=\"true\" class=\"far fa-clock\"><\/i><\/span>May 8, 2026<\/span><\/div><\/div><\/div><\/div><\/article><article class=\"wpr-grid-item elementor-clearfix post-11105 post type-post status-publish format-standard has-post-thumbnail hentry category-commercial-real-estate category-debt-doctor category-financing category-industry-updates category-investment-strategies category-market-analysis category-private-credit category-secondary-mortgage-market tag-blog\"><div class=\"wpr-grid-item-inner\"><div class=\"wpr-grid-media-wrap wpr-effect-size-medium \" data-overlay-link=\"\"><div class=\"wpr-grid-image-wrap\" data-src=\"https:\/\/billbymel.com\/Staging\/wp-content\/uploads\/2026\/05\/inflation-and-wealth-cannot-grow-in-the-same-direction.png\" data-img-on-hover=\"\"  data-src-secondary=\"\"><img decoding=\"async\" data-no-lazy=\"1\" src=\"https:\/\/billbymel.com\/Staging\/wp-content\/uploads\/2026\/05\/inflation-and-wealth-cannot-grow-in-the-same-direction.png\" alt=\"Inflation and Wealth Cannot Grow in the Same Direction\" class=\"wpr-anim-timing-ease-default\"><\/div><div class=\"wpr-grid-media-hover wpr-animation-wrap\"><div class=\"wpr-grid-media-hover-bg  wpr-overlay-fade-in wpr-anim-size-medium wpr-anim-timing-ease-default wpr-anim-transparency\" data-url=\"https:\/\/billbymel.com\/Staging\/inflation-and-wealth-cannot-grow-in-the-same-direction\/\"><\/div><\/div><\/div><div class=\"wpr-grid-item-below-content elementor-clearfix\"><h2 class=\"wpr-grid-item-title elementor-repeater-item-fa6628f wpr-grid-item-display-block wpr-grid-item-align-left wpr-pointer-none wpr-pointer-line-fx wpr-pointer-fx-fade\"><div class=\"inner-block\"><a target=\"_self\"  href=\"https:\/\/billbymel.com\/Staging\/inflation-and-wealth-cannot-grow-in-the-same-direction\/\">Inflation and Wealth Cannot Grow in the Same Direction<\/a><\/div><\/h2><div class=\"wpr-grid-item-author elementor-repeater-item-5ab9296 wpr-grid-item-display-inline wpr-grid-item-align-left\"><div class=\"inner-block\"><span class=\"wpr-grid-extra-text-left\">By<\/span><a href=\"https:\/\/billbymel.com\/Staging\/author\/admin\/\"><span>Bill Bymel<\/span><\/a><\/div><\/div><div class=\"wpr-grid-item-date elementor-repeater-item-042dafc wpr-grid-item-display-inline wpr-grid-item-align-left\"><div class=\"inner-block\"><span><span class=\"wpr-grid-extra-text-left\">-<\/span><span class=\"wpr-grid-extra-icon-left\"><i aria-hidden=\"true\" class=\"far fa-clock\"><\/i><\/span>May 6, 2026<\/span><\/div><\/div><\/div><\/div><\/article><article class=\"wpr-grid-item elementor-clearfix post-11078 post type-post status-publish format-standard has-post-thumbnail hentry category-commercial-real-estate category-debt-doctor category-financing category-industry-updates category-investment-strategies category-market-analysis category-prop-tech category-secondary-mortgage-market tag-blog\"><div class=\"wpr-grid-item-inner\"><div class=\"wpr-grid-media-wrap wpr-effect-size-medium \" data-overlay-link=\"\"><div class=\"wpr-grid-image-wrap\" data-src=\"https:\/\/billbymel.com\/Staging\/wp-content\/uploads\/2026\/04\/the-private-credit-secondary-market-has-a-new-engine-and-its-ai.png\" data-img-on-hover=\"\"  data-src-secondary=\"\"><img decoding=\"async\" data-no-lazy=\"1\" src=\"https:\/\/billbymel.com\/Staging\/wp-content\/uploads\/2026\/04\/the-private-credit-secondary-market-has-a-new-engine-and-its-ai.png\" alt=\"The Private Credit Secondary Market Has a New Engine \u2014 And It&#8217;s AI\" class=\"wpr-anim-timing-ease-default\"><\/div><div class=\"wpr-grid-media-hover wpr-animation-wrap\"><div class=\"wpr-grid-media-hover-bg  wpr-overlay-fade-in wpr-anim-size-medium wpr-anim-timing-ease-default wpr-anim-transparency\" data-url=\"https:\/\/billbymel.com\/Staging\/the-private-credit-secondary-market-has-a-new-engine-and-its-ai\/\"><\/div><\/div><\/div><div class=\"wpr-grid-item-below-content elementor-clearfix\"><h2 class=\"wpr-grid-item-title elementor-repeater-item-fa6628f wpr-grid-item-display-block wpr-grid-item-align-left wpr-pointer-none wpr-pointer-line-fx wpr-pointer-fx-fade\"><div class=\"inner-block\"><a target=\"_self\"  href=\"https:\/\/billbymel.com\/Staging\/the-private-credit-secondary-market-has-a-new-engine-and-its-ai\/\">The Private Credit Secondary Market Has a New Engine \u2014 And It&#8217;s AI<\/a><\/div><\/h2><div class=\"wpr-grid-item-author elementor-repeater-item-5ab9296 wpr-grid-item-display-inline wpr-grid-item-align-left\"><div class=\"inner-block\"><span class=\"wpr-grid-extra-text-left\">By<\/span><a href=\"https:\/\/billbymel.com\/Staging\/author\/admin\/\"><span>Bill Bymel<\/span><\/a><\/div><\/div><div class=\"wpr-grid-item-date elementor-repeater-item-042dafc wpr-grid-item-display-inline wpr-grid-item-align-left\"><div class=\"inner-block\"><span><span class=\"wpr-grid-extra-text-left\">-<\/span><span class=\"wpr-grid-extra-icon-left\"><i aria-hidden=\"true\" class=\"far fa-clock\"><\/i><\/span>April 29, 2026<\/span><\/div><\/div><\/div><\/div><\/article><\/section><div class=\"wpr-grid-pagination elementor-clearfix wpr-grid-pagination-default\" data-pages=\"10\"><a href=\"https:\/\/billbymel.com\/Staging\/wp-json\/wp\/v2\/posts\/4661\/page\/2\/\" class=\"wpr-prev-post-link\"><i class=\"fas fa-angle-left\"><\/i>Older Posts<\/a><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-4929b7a elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no\" data-id=\"4929b7a\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-42dc0bd\" data-id=\"42dc0bd\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e629298 elementor-widget elementor-widget-text-editor\" data-id=\"e629298\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>In the wake of the Great Financial Crisis of 2008 (GFC), the landscape of banking and financial servicing underwent significant transformation. One area that saw notable changes was the management of real estate loan portfolios at state and federal banks.<\/p><p>Historically, banks maintained specialized units known as Special Assets Groups (SAG Divisions) to handle loss mitigation, workout, and restructures for any of their borrowers, commercial or residential. However, post-GFC, many banks opted to dismantle these divisions, outsourcing the stress in their residential books to third parties.<\/p><p>While the major banks have maintained skeleton SAG Divisions, these departments are considered an option of last resort for portfolio managers and executives inside the bank.<\/p><p>As interest rates rise and regulatory scrutiny intensifies, there is a pressing need for better oversight of commercial real estate loan portfolios.<\/p><p>This is my perspective that explores the necessity for reinstating robust portfolio oversight, the potential role of third party advisors in providing objective analysis and more efficient execution, as well as the increasing importance of loan-by-loan evaluation for optimal portfolio performance.<\/p><h5>The Evolution of Oversight in Commercial Banking<\/h5><p>Before delving into the current landscape, it&#8217;s essential to understand the historical context.<\/p><p>Prior to the GFC, banks relied heavily on internal SAG Divisions to manage distressed loans and mitigate losses. These specialized units possessed the expertise to navigate complex loan restructurings and negotiate with borrowers to achieve favorable outcomes.<\/p><p>The aftermath of the GFC brought about a paradigm shift in banking practices.<\/p><p>Faced with increased regulatory scrutiny, capital constraints, and a heightened focus on headline risk management, many banks made the strategic decision to dismantle their SAG Divisions. Instead, they sought to streamline operations, reduce costs, and enhance efficiency by integrating loan management functions into broader departments and outsourcing most borrower interface and REO management to third parties.<\/p><p>While all eyes were on residential real estate, most commercial loan distress was easily managed by bankers able to offer extend-and-pretend measures and lower rate bailout loans available during a declining interest rate environment.<\/p><p>The elimination of SAG Divisions at banks also seems logical from a banker\u2019s perspective since assets assigned to that department require the bank to cover those potential capital losses.<\/p><p>The Troubled Debt Restructure (TDR) is a new loophole created post-Covid that allows for banks to restructure loans and consider them as accruing even when the terms may change significantly.<\/p><h5>A Need for Enhanced Oversight in the face of Rising Regulatory Scrutiny<\/h5><p>Fast forward to the present day, and the banking landscape is once again undergoing significant changes.<\/p><p>With interest rates on the rise and memories of the GFC fresh for older bankers but nonexistent for the new generation, regulatory agencies such as the Office of Comptroller of the Currency (OCC) and the Federal Deposit Insurance Corporation (FDIC) are tightening their oversight of banks.<\/p><p>This increased scrutiny stems from a desire to ensure financial stability, mitigate systemic risks, and protect the interests of depositors and investors. It also derives from a known fact that when interest rates rise, some sponsors will not handle it well and many deals will no longer pencil.<\/p><p>Commercial office buildings in major metropolitan cities face a double whammy because of the paradigm shift created by COVID. Banks historically have chosen to portfolio these office loans, once considered to be the most stable.<\/p><p>We are seeing a huge increase in TDR levels of CRE loans at $30B+ banks, as Bill Moreland of BankRegData discusses in\u00a0<a href=\"https:\/\/vimeo.com\/925988189\" target=\"_blank\" rel=\"noopener\">this video<\/a>.<\/p><p>The absence of specialized units dedicated to managing distressed assets becomes a glaring deficiency. Without the expertise and focus of dedicated teams, banks will struggle to effectively identify and address emerging risks within their existing loan portfolios.<\/p><p>A lack of action can leave a bank vulnerable to maturity mismatches, loan losses, sharp increases in defaults, eroding investor confidence, and could further undermine the stability of our financial system, if this problem becomes systemic.<\/p><h5>The Role of Third-Party Entities in Providing Objective Analysis<\/h5><p>Recognizing the need for enhanced oversight, banks must explore alternative approaches to managing their commercial loan portfolios beyond the role of the special servicer.<\/p><p>One promising solution lies in engaging third-party entities such as trustees, consultants, private firms, or other banks to provide independent analysis and oversight. By outsourcing these functions to external specialists, a bank can benefit from objective evaluations, specialized expertise, and access to best practices unvarnished by internal motivations or politics.<\/p><p>An external perspective can help banks to identify blind spots, challenge existing assumptions, and make more informed decisions.<\/p><p>Loan Loss Mit is a MWOB joint venture between LCR Management and First Lien Capital. Founders Erick Gonzalez, his wife Linh Ho, and First Lien CEO, Bill Bymel, created Loan Loss Mitigation LLC (LLM) specifically to serve banks facing dislocation in their whole loan mortgage portfolios.<\/p><p>LLM currently manages over $80 million of equity capital on behalf of First Lien, a mix of residential performing and non-performing loans as well as vacant HECM REO properties purchased from HUD.<\/p><p>The HECM fix-n-flip strategy is one that LLM specializes in, and LLM has several third-party clients in this strategy.<\/p><p>In November 2023, LLM became an approved Asset Manager by the FDIC as part of First Lien\u2019s approval to bid the Signature Bank Commercial Loan Sale. LLM has existing relationships with most mid- and toptier loan servicers. LLM provides expertise in all major metropolitan markets including New York, Los Angeles, Chicago, Miami, Palm Beach, Las Vegas, Detroit, and Washington DC.<\/p><p>The Founders have worked together through multiple organizations over twelve years and have combined in the direct acquisition, management, and profitable resolution of over $500 million of invested equity together.<\/p><p>LLM conducts comprehensive assessments of an investor\u2019s balance sheet and deep dive into loan and real estate portfolios, identifying potential areas of weakness, assessing credit risk, deciphering true value, recommending appropriate strategies for risk mitigation, and most importantly, implementing the appropriate mitigation path in a proactive and cost-effective manner.<\/p><h5>The Importance of Loan-by-Loan Evaluation for Optimal Performance<\/h5><p>The reason to outsource loan portfolio oversight stems from the importance of conducting thorough, loan-by-loan and property-by-property evaluations of the commercial and residential loan portfolios.<\/p><p>A holistic, borrower-first approach that considers each loan and property on its own merits is essential for optimizing portfolio performance and minimizing losses. This also ensures good customer service and the potential to retain that distressed borrower, by providing a single point of contact outside the bank that can act as an objective intermediary, not a debt collector.<\/p><p>Using LLM as an intermediary enables borrowers to address concerns outside legal foreclosure. This allows for a confidential, non-binding environment to negotiate payoff or settlement terms and explore potential workouts or restructures.<\/p><p>This personalized approach not only fosters stronger relationships between banks and borrowers but is also critical to achieving the most mutually beneficial or win-win outcomes.<\/p><h5>Current Headwinds in Commercial Real Estate<\/h5><p>Several factors are creating instability and uncertainty in the commercial real estate market with the sharp rise of interest rates from zero to normal being only one factor.<\/p><p>The rise of tensions with foreign trading partners, political instability at home, extreme weather events and its effect on insurance rates, and the COVID-influenced shift from city centers to suburban or live-work models, all could cause dislocation in sectors of commercial real estate:<\/p><p style=\"padding-left: 40px;\"><strong>1. Interest Rates:<\/strong> Many loan officers, asset managers, and bankers are too young to know what a normal interest rate environment feels like and how to navigate that cost of capital.<\/p><p style=\"padding-left: 40px;\"><strong>2. Climate Change:<\/strong> Rising insurance costs are already having an adverse effect on commercial property prices in high-risk zones prone to hurricane, fire, flood, and tornado. Banks need to reassess seasoned mortgage portfolios to lessen liability by reducing exposure in these areas.<\/p><p style=\"padding-left: 40px;\"><strong>3. CBD Metro Office:<\/strong> Once considered the darling loan asset for bank portfolios due to their safety and security, downtown office sponsors now face huge vacancies, and many will default.<\/p><p style=\"padding-left: 40px;\"><strong>4. NYC Rent Control:<\/strong> In 2019, a new law stripped speculators\u2019 ability to convert rent-controlled and rent-stabilized buildings in New York City and further limited existing operators\u2019 ability to increase revenue. Faced with rising costs and greater HPD expectations, many will default.<\/p><p style=\"padding-left: 40px;\"><strong>5. Multi-Family Dislocation:<\/strong> The fallacy that low-rise apartment complexes in middle America will price at sub 5% CAP is quickly disappearing and as maturities happen, MFR sponsors will default.<\/p><p style=\"padding-left: 40px;\"><strong>6. Geopolitical Events:<\/strong> The rise of tensions in the Middle East and Eastern Europe combined with concerns over a direct conflict with China, should be hedged. Chinese banks own the largest concentration of commercial and residential mortgage loans outside the United States.<\/p><p style=\"padding-left: 40px;\"><strong>7. US Political Unrest:<\/strong> A rise in political unrest as well as continual mass casualty events is causing a shift in retail demographics as well as adversely affecting downtown metros, especially in cities where less enforcement exists, and crime is rising. Banks can address these risks now.<\/p><h5>The Time is Now \u2013 Our Win-Win Revolution<\/h5><p>The need for better oversight of commercial real estate loan portfolios at major and regional banks has never been more urgent.<\/p><p>Banks currently find themselves ill-equipped to effectively navigate the complexities of commercial loan portfolios, particularly in an environment characterized by evolving borrower needs.<\/p><p>As interest rates rise and regulatory scrutiny intensifies, banks must evaluate their approach to managing any potential rise in defaults and mitigate risk now before it becomes a stain on balance sheets or risk to the health of the bank.<\/p><blockquote><p>By adopting a proactive and comprehensive approach to oversight, including the use of outside advisors like LLM (a Special Assets Group for hire), banks can position themselves for long-term success and safeguard the interests of all stakeholders.<\/p><\/blockquote><p>Loan Loss Mit and First Lien Capital are partnering with serious players to support this mission.<\/p><p>LoanDR\u2122 in da house to assess the health of your portfolio.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-184d84d0 elementor-hidden-tablet elementor-hidden-mobile\" data-id=\"184d84d0\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9071a45 elementor-widget elementor-widget-shortcode\" data-id=\"9071a45\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"4492\" class=\"elementor elementor-4492\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-468c88a5 sidebar_section elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no\" data-id=\"468c88a5\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wide\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-588eb82a\" data-id=\"588eb82a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-443dcfe elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no\" data-id=\"443dcfe\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-7e52aec3\" data-id=\"7e52aec3\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-21220bf5 elementor-widget elementor-widget-heading\" data-id=\"21220bf5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Welcome<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-76090152 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"76090152\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-60978267 elementor-widget elementor-widget-image\" data-id=\"60978267\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/billbymel.com\/Staging\/wp-content\/uploads\/2017\/09\/bill-bymel-home-about-150x150.png\" class=\"attachment-thumbnail size-thumbnail wp-image-339\" alt=\"\" srcset=\"https:\/\/billbymel.com\/Staging\/wp-content\/uploads\/2017\/09\/bill-bymel-home-about-150x150.png 150w, https:\/\/billbymel.com\/Staging\/wp-content\/uploads\/2017\/09\/bill-bymel-home-about-300x300.png 300w, https:\/\/billbymel.com\/Staging\/wp-content\/uploads\/2017\/09\/bill-bymel-home-about-1024x1024.png 1024w, https:\/\/billbymel.com\/Staging\/wp-content\/uploads\/2017\/09\/bill-bymel-home-about-600x600.png 600w, https:\/\/billbymel.com\/Staging\/wp-content\/uploads\/2017\/09\/bill-bymel-home-about.png 218w\" sizes=\"(max-width: 150px) 100vw, 150px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-38a38452 elementor-widget elementor-widget-heading\" data-id=\"38a38452\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Bill Bymel<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7185378c elementor-widget elementor-widget-text-editor\" data-id=\"7185378c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: left;\">Real estate investor, advisor and CEO of First Lien Capital, a privately owned investment platform he founded in 2021, specializing in distressed debt and mortgage workout strategies on residential and commercial real estate. Through First Lien Resolutions, he provides Special Assets expertise to banks and funds on portfolio risk, recovery strategies, and profitable arbitrage.<\/p><p style=\"text-align: left;\">Speaker, host of Debt Doctor and Real Estate Lowdown podcasts, and author of The Storm: Markets Meet Mother Nature (2026) revealing how converging forces are reshaping markets and offering the framework for investors and institutions to navigate what comes next. And Win-Win Revolution: An Insider\u2019s Guide to Investing in the Secondary Mortgage Market (2017), pioneering collaborative approaches to loss mitigation that have helped institutions and investors navigate billions in troubled assets.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-b49ce04 elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no\" data-id=\"b49ce04\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-76c5603\" data-id=\"76c5603\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6332eb4 elementor-widget elementor-widget-heading\" data-id=\"6332eb4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span>Connect on Socials<\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b136ed4 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"b136ed4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c1ee76c elementor-shape-circle elementor-grid-0 e-grid-align-center elementor-widget elementor-widget-social-icons\" data-id=\"c1ee76c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"social-icons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-social-icons-wrapper elementor-grid\" role=\"list\">\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-linkedin elementor-repeater-item-03f1b99\" href=\"https:\/\/www.linkedin.com\/in\/billbymel\/\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Linkedin<\/span>\n\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fab fa-linkedin\"><\/i>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-podcast elementor-repeater-item-67b29a2\" href=\"https:\/\/podcasts.apple.com\/us\/podcast\/debt-doctor\/id1813214837\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Podcast<\/span>\n\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-podcast\"><\/i>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-facebook elementor-repeater-item-523f852\" href=\"https:\/\/www.facebook.com\/firstliencapital\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Facebook<\/span>\n\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fab fa-facebook\"><\/i>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-youtube elementor-repeater-item-eb17a89\" href=\"https:\/\/www.youtube.com\/@billbymeldebtdoctor\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Youtube<\/span>\n\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fab fa-youtube\"><\/i>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-instagram elementor-repeater-item-1b8cad1\" href=\"https:\/\/www.instagram.com\/firstliencapital\/\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Instagram<\/span>\n\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fab fa-instagram\"><\/i>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-8ef40a1 elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no\" data-id=\"8ef40a1\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-61aaa591\" data-id=\"61aaa591\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-101d14e4 elementor-widget elementor-widget-heading\" data-id=\"101d14e4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Recent Posts<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3838d64c elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"3838d64c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-64794f87 wpr-grid-columns-1 wpr-grid-columns--tablet2 wpr-grid-columns--mobile1 wpr-item-styles-inner elementor-widget elementor-widget-wpr-grid\" data-id=\"64794f87\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"wpr-grid.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<ul class=\"wpr-grid-filters elementor-clearfix wpr-grid-filters-sep-right\"><li class=\" wpr-pointer-none wpr-pointer-line-fx wpr-pointer-fx-none\"><span  data-filter=\"*\" class=\"wpr-grid-filters-item wpr-active-filter \">All Post<\/span><em class=\"wpr-grid-filters-sep\"><\/em><\/li><li class=\" wpr-pointer-none wpr-pointer-line-fx wpr-pointer-fx-none\"><span   data-ajax-filter=[\"category\",\"asset-evaluation\"]  data-filter=\".category-asset-evaluation\">Asset Evaluation<\/span><em class=\"wpr-grid-filters-sep\"><\/em><\/li><li class=\" wpr-pointer-none wpr-pointer-line-fx wpr-pointer-fx-none\"><span   data-ajax-filter=[\"category\",\"asset-management\"]  data-filter=\".category-asset-management\">Asset Management and Servicing<\/span><em class=\"wpr-grid-filters-sep\"><\/em><\/li><li class=\" wpr-pointer-none wpr-pointer-line-fx wpr-pointer-fx-none\"><span   data-ajax-filter=[\"category\",\"coffee-with-bill\"]  data-filter=\".category-coffee-with-bill\">Coffee with Bill<\/span><em class=\"wpr-grid-filters-sep\"><\/em><\/li><li class=\" wpr-pointer-none wpr-pointer-line-fx wpr-pointer-fx-none\"><span   data-ajax-filter=[\"category\",\"commercial-real-estate\"]  data-filter=\".category-commercial-real-estate\">Commercial Real Estate<\/span><em class=\"wpr-grid-filters-sep\"><\/em><\/li><li class=\" wpr-pointer-none wpr-pointer-line-fx wpr-pointer-fx-none\"><span   data-ajax-filter=[\"category\",\"debt-doctor\"]  data-filter=\".category-debt-doctor\">Debt Doctor<\/span><em class=\"wpr-grid-filters-sep\"><\/em><\/li><li class=\" wpr-pointer-none wpr-pointer-line-fx wpr-pointer-fx-none\"><span   data-ajax-filter=[\"category\",\"due-diligence\"]  data-filter=\".category-due-diligence\">Due Diligence<\/span><em class=\"wpr-grid-filters-sep\"><\/em><\/li><li class=\" wpr-pointer-none wpr-pointer-line-fx wpr-pointer-fx-none\"><span   data-ajax-filter=[\"category\",\"financing\"]  data-filter=\".category-financing\">Financing and Funding<\/span><em class=\"wpr-grid-filters-sep\"><\/em><\/li><li class=\" wpr-pointer-none wpr-pointer-line-fx wpr-pointer-fx-none\"><span   data-ajax-filter=[\"category\",\"industry-updates\"]  data-filter=\".category-industry-updates\">Industry News and Updates<\/span><em class=\"wpr-grid-filters-sep\"><\/em><\/li><li class=\" wpr-pointer-none wpr-pointer-line-fx wpr-pointer-fx-none\"><span   data-ajax-filter=[\"category\",\"investment-strategies\"]  data-filter=\".category-investment-strategies\">Investment Strategies<\/span><em class=\"wpr-grid-filters-sep\"><\/em><\/li><li class=\" wpr-pointer-none wpr-pointer-line-fx wpr-pointer-fx-none\"><span   data-ajax-filter=[\"category\",\"market-analysis\"]  data-filter=\".category-market-analysis\">Market Analysis and Trends<\/span><em class=\"wpr-grid-filters-sep\"><\/em><\/li><li class=\" wpr-pointer-none wpr-pointer-line-fx wpr-pointer-fx-none\"><span   data-ajax-filter=[\"category\",\"mortgage-note-investing\"]  data-filter=\".category-mortgage-note-investing\">Mortgage Note Investing<\/span><em class=\"wpr-grid-filters-sep\"><\/em><\/li><li class=\" wpr-pointer-none wpr-pointer-line-fx wpr-pointer-fx-none\"><span   data-ajax-filter=[\"category\",\"networking\"]  data-filter=\".category-networking\">Networking and Partnerships<\/span><em class=\"wpr-grid-filters-sep\"><\/em><\/li><li class=\" wpr-pointer-none wpr-pointer-line-fx wpr-pointer-fx-none\"><span   data-ajax-filter=[\"category\",\"press\"]  data-filter=\".category-press\">Press<\/span><em class=\"wpr-grid-filters-sep\"><\/em><\/li><li class=\" wpr-pointer-none wpr-pointer-line-fx wpr-pointer-fx-none\"><span   data-ajax-filter=[\"category\",\"private-credit\"]  data-filter=\".category-private-credit\">Private Credit<\/span><em class=\"wpr-grid-filters-sep\"><\/em><\/li><li class=\" wpr-pointer-none wpr-pointer-line-fx wpr-pointer-fx-none\"><span   data-ajax-filter=[\"category\",\"prop-tech\"]  data-filter=\".category-prop-tech\">PropTech<\/span><em class=\"wpr-grid-filters-sep\"><\/em><\/li><li class=\" wpr-pointer-none wpr-pointer-line-fx wpr-pointer-fx-none\"><span   data-ajax-filter=[\"category\",\"real-estate-lowdown\"]  data-filter=\".category-real-estate-lowdown\">Real Estate Lowdown<\/span><em class=\"wpr-grid-filters-sep\"><\/em><\/li><li class=\" wpr-pointer-none wpr-pointer-line-fx wpr-pointer-fx-none\"><span   data-ajax-filter=[\"category\",\"real-estate-owned\"]  data-filter=\".category-real-estate-owned\">Real Estate Owned<\/span><em class=\"wpr-grid-filters-sep\"><\/em><\/li><li class=\" wpr-pointer-none wpr-pointer-line-fx wpr-pointer-fx-none\"><span   data-ajax-filter=[\"category\",\"secondary-mortgage-market\"]  data-filter=\".category-secondary-mortgage-market\">Secondary Mortgage Market<\/span><em class=\"wpr-grid-filters-sep\"><\/em><\/li><li class=\" wpr-pointer-none wpr-pointer-line-fx wpr-pointer-fx-none\"><span   data-ajax-filter=[\"category\",\"success-stories\"]  data-filter=\".category-success-stories\">Success Stories and Case Studies<\/span><em class=\"wpr-grid-filters-sep\"><\/em><\/li><li class=\" wpr-pointer-none wpr-pointer-line-fx wpr-pointer-fx-none\"><span   data-ajax-filter=[\"category\",\"the-storm\"]  data-filter=\".category-the-storm\">The Storm<\/span><em class=\"wpr-grid-filters-sep\"><\/em><\/li><li class=\" wpr-pointer-none wpr-pointer-line-fx wpr-pointer-fx-none\"><span   data-ajax-filter=[\"category\",\"win-win-webinar\"]  data-filter=\".category-win-win-webinar\">Win-Win Webinar<\/span><em class=\"wpr-grid-filters-sep\"><\/em><\/li><\/ul><section class=\"wpr-grid elementor-clearfix\" data-settings=\"{&quot;layout&quot;:&quot;list&quot;,&quot;stick_last_element_to_bottom&quot;:&quot;no&quot;,&quot;columns_desktop&quot;:&quot;1&quot;,&quot;gutter_hr&quot;:15,&quot;gutter_hr_mobile&quot;:15,&quot;gutter_hr_mobile_extra&quot;:15,&quot;gutter_hr_tablet&quot;:15,&quot;gutter_hr_tablet_extra&quot;:15,&quot;gutter_hr_laptop&quot;:15,&quot;gutter_hr_widescreen&quot;:15,&quot;gutter_vr&quot;:20,&quot;gutter_vr_mobile&quot;:20,&quot;gutter_vr_mobile_extra&quot;:20,&quot;gutter_vr_tablet&quot;:20,&quot;gutter_vr_tablet_extra&quot;:20,&quot;gutter_vr_laptop&quot;:20,&quot;gutter_vr_widescreen&quot;:20,&quot;animation&quot;:&quot;default&quot;,&quot;animation_duration&quot;:0.3,&quot;animation_delay&quot;:0.1,&quot;deeplinking&quot;:&quot;&quot;,&quot;filters_linkable&quot;:&quot;no&quot;,&quot;filters_default_filter&quot;:&quot;&quot;,&quot;filters_count&quot;:&quot;&quot;,&quot;filters_hide_empty&quot;:&quot;no&quot;,&quot;filters_animation&quot;:&quot;default&quot;,&quot;filters_animation_duration&quot;:0.3,&quot;filters_animation_delay&quot;:0.1,&quot;pagination_type&quot;:&quot;load-more&quot;,&quot;pagination_max_pages&quot;:34,&quot;media_align&quot;:&quot;left&quot;,&quot;media_width&quot;:30,&quot;media_distance&quot;:20,&quot;lightbox&quot;:{&quot;selector&quot;:&quot;.wpr-grid-image-wrap&quot;,&quot;iframeMaxWidth&quot;:&quot;60%&quot;,&quot;hash&quot;:false,&quot;autoplay&quot;:&quot;true&quot;,&quot;pause&quot;:5000,&quot;progressBar&quot;:&quot;true&quot;,&quot;counter&quot;:&quot;true&quot;,&quot;controls&quot;:&quot;true&quot;,&quot;getCaptionFromTitleOrAlt&quot;:&quot;true&quot;,&quot;thumbnail&quot;:&quot;&quot;,&quot;showThumbByDefault&quot;:&quot;&quot;,&quot;share&quot;:&quot;&quot;,&quot;zoom&quot;:&quot;true&quot;,&quot;fullScreen&quot;:&quot;true&quot;,&quot;download&quot;:&quot;true&quot;}}\" data-advanced-filters=\"no\"><article class=\"wpr-grid-item elementor-clearfix post-11312 post type-post status-publish format-standard has-post-thumbnail hentry category-debt-doctor category-financing category-industry-updates category-private-credit tag-blog\"><div class=\"wpr-grid-item-inner\"><div class=\"wpr-grid-media-wrap wpr-effect-size-medium \" data-overlay-link=\"yes\"><div class=\"wpr-grid-image-wrap\" data-src=\"https:\/\/billbymel.com\/Staging\/wp-content\/uploads\/2026\/07\/that-airline-credit-card-isnt-the-deal-you-think.png\" data-img-on-hover=\"\"  data-src-secondary=\"\"><img decoding=\"async\" data-no-lazy=\"1\" src=\"https:\/\/billbymel.com\/Staging\/wp-content\/uploads\/2026\/07\/that-airline-credit-card-isnt-the-deal-you-think.png\" alt=\"That Airline Credit Card Isn&#8217;t the Deal You Think\" class=\"wpr-anim-timing-ease-default\"><\/div><div class=\"wpr-grid-media-hover wpr-animation-wrap\"><div class=\"wpr-grid-media-hover-bg  wpr-overlay-fade-in wpr-anim-size-large wpr-anim-timing-ease-default wpr-anim-transparency\" data-url=\"https:\/\/billbymel.com\/Staging\/that-airline-credit-card-isnt-the-deal-you-think\/\"><\/div><\/div><\/div><div class=\"wpr-grid-item-below-content elementor-clearfix\"><h2 class=\"wpr-grid-item-title elementor-repeater-item-b6117c4 wpr-grid-item-display-block wpr-grid-item-align-left wpr-pointer-none wpr-pointer-line-fx wpr-pointer-fx-fade\"><div class=\"inner-block\"><a target=\"_self\"  href=\"https:\/\/billbymel.com\/Staging\/that-airline-credit-card-isnt-the-deal-you-think\/\">That Airline Credit Card Isn&#8217;t the Deal You Think<\/a><\/div><\/h2><div class=\"wpr-grid-item-date elementor-repeater-item-0b9050b wpr-grid-item-display-block wpr-grid-item-align-left\"><div class=\"inner-block\"><span>July 8, 2026<\/span><\/div><\/div><\/div><\/div><\/article><article class=\"wpr-grid-item elementor-clearfix post-11257 post type-post status-publish format-standard has-post-thumbnail hentry category-asset-evaluation category-debt-doctor category-financing category-investment-strategies category-market-analysis category-private-credit category-secondary-mortgage-market tag-blog\"><div class=\"wpr-grid-item-inner\"><div class=\"wpr-grid-media-wrap wpr-effect-size-medium \" data-overlay-link=\"yes\"><div class=\"wpr-grid-image-wrap\" data-src=\"https:\/\/billbymel.com\/Staging\/wp-content\/uploads\/2026\/06\/this-makes-manufactured-housing-worth-a-second-look.png\" data-img-on-hover=\"\"  data-src-secondary=\"\"><img decoding=\"async\" data-no-lazy=\"1\" src=\"https:\/\/billbymel.com\/Staging\/wp-content\/uploads\/2026\/06\/this-makes-manufactured-housing-worth-a-second-look.png\" alt=\"This Makes Manufactured Housing Worth A Second Look\" class=\"wpr-anim-timing-ease-default\"><\/div><div class=\"wpr-grid-media-hover wpr-animation-wrap\"><div class=\"wpr-grid-media-hover-bg  wpr-overlay-fade-in wpr-anim-size-large wpr-anim-timing-ease-default wpr-anim-transparency\" data-url=\"https:\/\/billbymel.com\/Staging\/this-makes-manufactured-housing-worth-a-second-look\/\"><\/div><\/div><\/div><div class=\"wpr-grid-item-below-content elementor-clearfix\"><h2 class=\"wpr-grid-item-title elementor-repeater-item-b6117c4 wpr-grid-item-display-block wpr-grid-item-align-left wpr-pointer-none wpr-pointer-line-fx wpr-pointer-fx-fade\"><div class=\"inner-block\"><a target=\"_self\"  href=\"https:\/\/billbymel.com\/Staging\/this-makes-manufactured-housing-worth-a-second-look\/\">This Makes Manufactured Housing Worth A Second Look<\/a><\/div><\/h2><div class=\"wpr-grid-item-date elementor-repeater-item-0b9050b wpr-grid-item-display-block wpr-grid-item-align-left\"><div class=\"inner-block\"><span>June 24, 2026<\/span><\/div><\/div><\/div><\/div><\/article><article class=\"wpr-grid-item elementor-clearfix post-11238 post type-post status-publish format-standard has-post-thumbnail hentry category-debt-doctor category-financing category-investment-strategies category-private-credit tag-blog\"><div class=\"wpr-grid-item-inner\"><div class=\"wpr-grid-media-wrap wpr-effect-size-medium \" data-overlay-link=\"yes\"><div class=\"wpr-grid-image-wrap\" data-src=\"https:\/\/billbymel.com\/Staging\/wp-content\/uploads\/2026\/06\/ar-financing-clean.png\" data-img-on-hover=\"\"  data-src-secondary=\"\"><img decoding=\"async\" data-no-lazy=\"1\" src=\"https:\/\/billbymel.com\/Staging\/wp-content\/uploads\/2026\/06\/ar-financing-clean.png\" alt=\"Accounts Receivable Financing Funds the Unfundable\" class=\"wpr-anim-timing-ease-default\"><\/div><div class=\"wpr-grid-media-hover wpr-animation-wrap\"><div class=\"wpr-grid-media-hover-bg  wpr-overlay-fade-in wpr-anim-size-large wpr-anim-timing-ease-default wpr-anim-transparency\" data-url=\"https:\/\/billbymel.com\/Staging\/accounts-receivable-financing-funds-the-unfundable\/\"><\/div><\/div><\/div><div class=\"wpr-grid-item-below-content elementor-clearfix\"><h2 class=\"wpr-grid-item-title elementor-repeater-item-b6117c4 wpr-grid-item-display-block wpr-grid-item-align-left wpr-pointer-none wpr-pointer-line-fx wpr-pointer-fx-fade\"><div class=\"inner-block\"><a target=\"_self\"  href=\"https:\/\/billbymel.com\/Staging\/accounts-receivable-financing-funds-the-unfundable\/\">Accounts Receivable Financing Funds the Unfundable<\/a><\/div><\/h2><div class=\"wpr-grid-item-date elementor-repeater-item-0b9050b wpr-grid-item-display-block wpr-grid-item-align-left\"><div class=\"inner-block\"><span>June 17, 2026<\/span><\/div><\/div><\/div><\/div><\/article><\/section>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-29b0308a elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no\" data-id=\"29b0308a\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-331f22a1\" data-id=\"331f22a1\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4b4dd630 elementor-widget elementor-widget-heading\" data-id=\"4b4dd630\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Category<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8ee6aa2 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"8ee6aa2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5453cfd7 wpr-taxonomy-list-vertical elementor-widget elementor-widget-wpr-taxonomy-list\" data-id=\"5453cfd7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"wpr-taxonomy-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<ul class=\"wpr-taxonomy-list\" data-show-on-click=\"\"><li class=\"wpr-taxonomy\"data-term-id=\"34\"><a target=\"_blank\" href=\"https:\/\/billbymel.com\/Staging\/category\/asset-evaluation\/\"><span class=\"wpr-tax-wrap\"> <span><\/span><span>Asset Evaluation<\/span><\/span><span><span class=\"wpr-term-count\">&nbsp;(22)<\/span><\/span><\/a><\/li><li class=\"wpr-taxonomy\"data-term-id=\"25\"><a target=\"_blank\" href=\"https:\/\/billbymel.com\/Staging\/category\/asset-management\/\"><span class=\"wpr-tax-wrap\"> <span><\/span><span>Asset Management and Servicing<\/span><\/span><span><span class=\"wpr-term-count\">&nbsp;(13)<\/span><\/span><\/a><\/li><li class=\"wpr-taxonomy\"data-term-id=\"45\"><a target=\"_blank\" href=\"https:\/\/billbymel.com\/Staging\/category\/coffee-with-bill\/\"><span class=\"wpr-tax-wrap\"> <span><\/span><span>Coffee with Bill<\/span><\/span><span><span class=\"wpr-term-count\">&nbsp;(16)<\/span><\/span><\/a><\/li><li class=\"wpr-taxonomy\"data-term-id=\"28\"><a target=\"_blank\" href=\"https:\/\/billbymel.com\/Staging\/category\/commercial-real-estate\/\"><span class=\"wpr-tax-wrap\"> <span><\/span><span>Commercial Real Estate<\/span><\/span><span><span class=\"wpr-term-count\">&nbsp;(49)<\/span><\/span><\/a><\/li><li class=\"wpr-taxonomy\"data-term-id=\"49\"><a target=\"_blank\" href=\"https:\/\/billbymel.com\/Staging\/category\/debt-doctor\/\"><span class=\"wpr-tax-wrap\"> <span><\/span><span>Debt Doctor<\/span><\/span><span><span class=\"wpr-term-count\">&nbsp;(70)<\/span><\/span><\/a><\/li><li class=\"wpr-taxonomy\"data-term-id=\"26\"><a target=\"_blank\" href=\"https:\/\/billbymel.com\/Staging\/category\/due-diligence\/\"><span class=\"wpr-tax-wrap\"> <span><\/span><span>Due Diligence<\/span><\/span><span><span class=\"wpr-term-count\">&nbsp;(10)<\/span><\/span><\/a><\/li><li class=\"wpr-taxonomy\"data-term-id=\"31\"><a target=\"_blank\" href=\"https:\/\/billbymel.com\/Staging\/category\/financing\/\"><span class=\"wpr-tax-wrap\"> <span><\/span><span>Financing and Funding<\/span><\/span><span><span class=\"wpr-term-count\">&nbsp;(51)<\/span><\/span><\/a><\/li><li class=\"wpr-taxonomy\"data-term-id=\"23\"><a target=\"_blank\" href=\"https:\/\/billbymel.com\/Staging\/category\/industry-updates\/\"><span class=\"wpr-tax-wrap\"> <span><\/span><span>Industry News and Updates<\/span><\/span><span><span class=\"wpr-term-count\">&nbsp;(74)<\/span><\/span><\/a><\/li><li class=\"wpr-taxonomy\"data-term-id=\"24\"><a target=\"_blank\" href=\"https:\/\/billbymel.com\/Staging\/category\/investment-strategies\/\"><span class=\"wpr-tax-wrap\"> <span><\/span><span>Investment Strategies<\/span><\/span><span><span class=\"wpr-term-count\">&nbsp;(78)<\/span><\/span><\/a><\/li><li class=\"wpr-taxonomy\"data-term-id=\"22\"><a target=\"_blank\" href=\"https:\/\/billbymel.com\/Staging\/category\/market-analysis\/\"><span class=\"wpr-tax-wrap\"> <span><\/span><span>Market Analysis and Trends<\/span><\/span><span><span class=\"wpr-term-count\">&nbsp;(81)<\/span><\/span><\/a><\/li><li class=\"wpr-taxonomy\"data-term-id=\"32\"><a target=\"_blank\" href=\"https:\/\/billbymel.com\/Staging\/category\/mortgage-note-investing\/\"><span class=\"wpr-tax-wrap\"> <span><\/span><span>Mortgage Note Investing<\/span><\/span><span><span class=\"wpr-term-count\">&nbsp;(37)<\/span><\/span><\/a><\/li><li class=\"wpr-taxonomy\"data-term-id=\"27\"><a target=\"_blank\" href=\"https:\/\/billbymel.com\/Staging\/category\/networking\/\"><span class=\"wpr-tax-wrap\"> <span><\/span><span>Networking and Partnerships<\/span><\/span><span><span class=\"wpr-term-count\">&nbsp;(10)<\/span><\/span><\/a><\/li><li class=\"wpr-taxonomy\"data-term-id=\"19\"><a target=\"_blank\" href=\"https:\/\/billbymel.com\/Staging\/category\/press\/\"><span class=\"wpr-tax-wrap\"> <span><\/span><span>Press<\/span><\/span><span><span class=\"wpr-term-count\">&nbsp;(7)<\/span><\/span><\/a><\/li><li class=\"wpr-taxonomy\"data-term-id=\"58\"><a target=\"_blank\" href=\"https:\/\/billbymel.com\/Staging\/category\/private-credit\/\"><span class=\"wpr-tax-wrap\"> <span><\/span><span>Private Credit<\/span><\/span><span><span class=\"wpr-term-count\">&nbsp;(9)<\/span><\/span><\/a><\/li><li class=\"wpr-taxonomy\"data-term-id=\"30\"><a target=\"_blank\" href=\"https:\/\/billbymel.com\/Staging\/category\/prop-tech\/\"><span class=\"wpr-tax-wrap\"> <span><\/span><span>PropTech<\/span><\/span><span><span class=\"wpr-term-count\">&nbsp;(15)<\/span><\/span><\/a><\/li><li class=\"wpr-taxonomy\"data-term-id=\"8\"><a target=\"_blank\" href=\"https:\/\/billbymel.com\/Staging\/category\/real-estate-lowdown\/\"><span class=\"wpr-tax-wrap\"> <span><\/span><span>Real Estate Lowdown<\/span><\/span><span><span class=\"wpr-term-count\">&nbsp;(10)<\/span><\/span><\/a><\/li><li class=\"wpr-taxonomy\"data-term-id=\"7\"><a target=\"_blank\" href=\"https:\/\/billbymel.com\/Staging\/category\/real-estate-owned\/\"><span class=\"wpr-tax-wrap\"> <span><\/span><span>Real Estate Owned<\/span><\/span><span><span class=\"wpr-term-count\">&nbsp;(3)<\/span><\/span><\/a><\/li><li class=\"wpr-taxonomy\"data-term-id=\"51\"><a target=\"_blank\" href=\"https:\/\/billbymel.com\/Staging\/category\/secondary-mortgage-market\/\"><span class=\"wpr-tax-wrap\"> <span><\/span><span>Secondary Mortgage Market<\/span><\/span><span><span class=\"wpr-term-count\">&nbsp;(49)<\/span><\/span><\/a><\/li><li class=\"wpr-taxonomy\"data-term-id=\"29\"><a target=\"_blank\" href=\"https:\/\/billbymel.com\/Staging\/category\/success-stories\/\"><span class=\"wpr-tax-wrap\"> <span><\/span><span>Success Stories and Case Studies<\/span><\/span><span><span class=\"wpr-term-count\">&nbsp;(2)<\/span><\/span><\/a><\/li><li class=\"wpr-taxonomy\"data-term-id=\"57\"><a target=\"_blank\" href=\"https:\/\/billbymel.com\/Staging\/category\/the-storm\/\"><span class=\"wpr-tax-wrap\"> <span><\/span><span>The Storm<\/span><\/span><span><span class=\"wpr-term-count\">&nbsp;(18)<\/span><\/span><\/a><\/li><\/ul>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-1c8d27a5 elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no\" data-id=\"1c8d27a5\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-764943c2\" data-id=\"764943c2\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2da84b0b elementor-widget elementor-widget-heading\" data-id=\"2da84b0b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Tags<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-45a38cd7 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"45a38cd7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-64e8cd0d wpr-taxonomy-list-horizontal elementor-widget elementor-widget-wpr-taxonomy-list\" data-id=\"64e8cd0d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"wpr-taxonomy-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<ul class=\"wpr-taxonomy-list\" data-show-on-click=\"\"><li class=\"wpr-taxonomy\"data-term-id=\"52\"><a target=\"_self\" href=\"https:\/\/billbymel.com\/Staging\/tag\/blog\/\"><span class=\"wpr-tax-wrap\"> <span><\/span><span>blog<\/span><\/span><\/a><\/li><li class=\"wpr-taxonomy\"data-term-id=\"53\"><a target=\"_self\" href=\"https:\/\/billbymel.com\/Staging\/tag\/blogpress\/\"><span class=\"wpr-tax-wrap\"> <span><\/span><span>blog+press<\/span><\/span><\/a><\/li><li class=\"wpr-taxonomy\"data-term-id=\"41\"><a target=\"_self\" href=\"https:\/\/billbymel.com\/Staging\/tag\/press\/\"><span class=\"wpr-tax-wrap\"> <span><\/span><span>press<\/span><\/span><\/a><\/li><\/ul>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>In the wake of the Great Financial Crisis of 2008 (GFC), the landscape of banking and financial servicing underwent significant transformation. One area that saw notable changes was the management of real estate loan portfolios at state and federal banks. This is my perspective that explores the necessity for reinstating robust portfolio oversight.<\/p>\n","protected":false},"author":1,"featured_media":4886,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_eb_attr":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[25,28],"tags":[52],"class_list":["post-4661","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-asset-management","category-commercial-real-estate","tag-blog"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 4.9.9 - aioseo.com -->\n\t<meta name=\"description\" content=\"Accounts receivable financing answers a question conventional lending keeps getting wrong: what actually counts as collateral?\" \/>\n\t<meta name=\"robots\" content=\"max-image-preview:large\" \/>\n\t<meta name=\"author\" content=\"Bill Bymel\"\/>\n\t<meta name=\"google-site-verification\" content=\"6f43ZR8jdSZw-ZU3gxA3za82R6xLDQFAys2XWwEJY6I\" \/>\n\t<link rel=\"canonical\" href=\"https:\/\/billbymel.com\/Staging\/accounts-receivable-financing-funds-the-unfundable\/\" \/>\n\t<meta name=\"generator\" content=\"All in One SEO (AIOSEO) 4.9.9\" \/>\n\t\t<meta property=\"og:locale\" content=\"en_US\" \/>\n\t\t<meta property=\"og:site_name\" content=\"Bill Bymel - 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