Epic Real Estate Investing - Why Banks Can't Lend Anymore (And Hate You Have THIS Option) | 1498

Episode Date: June 20, 2025

In this episode, we delve into the impending crisis in the bond market that dwarfs the 2008 crash. With $10 trillion borrowed since 2020 and major players like Jamie Dimon sounding alarms, traditional banking is becoming increasingly unreliable for funding deals. We explore the risks and the demise of easy money, leading to tighter lending standards. Highlighting Leonard's story, we reveal how private credit is emerging as the new norm—offering faster, more flexible financing. Learn how to navigate the shifting landscape, avoid being left behind, and secure funding to thrive in volatile markets. BUT BEFORE THAT, guess who’s secretly getting rich while you struggle! The "Exploit and Escape" Strategy: https://drive.google.com/file/d/16EZMfOM_JYXbqs7t3OZ_fGXDqrWo0sdQ/view?usp=drive_link&video=h3S3u9OFNpE https://BeltwayLending.com/epic/ : 30-year rental loans, no income docs, just your lease, 2 bank statements, and an ID. Fast, no red tape. Perfect for buying and holding real estate without the bank runaround. https://LoopholeLending.com : Get up to $150K at 0% interest for 21 months, no collateral, approval in 30 seconds, cash in 7-14 days. Great for funding marketing, gap funding, rehab, payroll—whatever your business needs. Useful links: https://myescapebook.com/freedom-formula https://epicearnwhileyoulearn.com/yourfirstdeal https://intensive2025.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices

This is Terio Media. Hey, strap in. It's time for the epic real estate investing show. We'll be your guides as we navigate the housing market, the landscape of creative financing strategies, and everything you need to swap that office chair for a beach chair. If you're looking for some one-on-one help, meet us at rei-aise.com. Let's go, let's go, let's go, let's go, let's go, let's go.

Let's go. I'm going to expose the five's biggest lies about America's debt that keep you broke and reveal the exact name of the people getting rich off this deception while you struggle to pay your bills, including the fourth lie, which is the most dangerous one, because when this lie finally breaks, it won't just crash the stock market. It will personally destroy your retirement, your home value, and your children's future. Lie number one, America's debt is out of control because politicians are bad with money. That's a fairy tale designed to keep you distracted.

Here's the truth they pray you never figure out. The entire system is built to run on debt deliberately. Let me give you one name, BlackRock. They manage $11.6 trillion, more than the GDP of every country except the U.S. and China. Every time Congress raises the debt ceiling, Larry Fink gets richer. Every time your taxes go up to pay the interest, his dividend checks get bigger. Washington doesn't borrow because they have to. They borrow because the system rewards it.

Lie number two, national debt doesn't really affect regular people like you. Another whopper designed to keep you asleep. Here's how this works in real dollars. Interest payments on the national debt have become the second biggest federal expenditure, surpassing both defense spending and Medicare. The increase in gross national debt over the past year amounts to $4,582 per person, $11,790 per household. That's your vacation money. your emergency fund, your kids' college savings, gone, straight into the pockets of bond traders

who make more in a day than you make in a year. Every dollar borrowed means more of your future gets siphoned off, and it's accelerating. You feel it already, prices go up, your savings buy less, and the so-called solutions only seem to make things worse. Meanwhile, the people cashing in on America's debt get richer, no matter who's in office or what crisis hits the headlines. This isn't just about Washington gridlock or abstract numbers. These are the five biggest lies that keep you stuck, stressed, and paying the price, while a handful of insiders quietly rigged the game to win. But here's what keeps me up at night.

We're not talking about something that might happen in 10 years, likely much, much sooner. But most people don't care because they believe lie number three. America can just print its way out of any debt problem. You know what country tried this exact strategy? Venezuela. In 2013, they had the world's largest oil reserves and a stable currency. Today, a loaf of bread cost 7 million bolivars. But here's the difference. When Venezuela collapsed, Americans could still buy food. When America collapses, there's nowhere to run. Every time they fire up the money printer, your dollars lose value. Your groceries cost more. And the rich

move their money into assets that inflate right along with the debt. Who benefits? Big investors, asset managers, and hedge funds, guys who know how to get out of cash before inflation guts it. While you were sleeping last night, the U.S. government printed, I mean, borrowed, $4.27 million. That's $178 million every single hour. But here's the part that will make you sick. Every penny of that interest goes to the same people who are about to foreclose on America's future. Foreign investors. When was the last time you heard that on the evening news?

Never. And there's a reason for that. When other countries see us printing money to cover our bills, they start dumping the dollar and snapping up hard assets, making the next crisis hit even harder, right at home. This isn't hypothetical anymore. China has been reducing its U.S. Treasury holdings while ramping up gold purchases. Japan is quietly diversifying into gold, too. In lie number four, this is the most dangerous one, because when this lie finally breaks,

it just won't crash the stock market. It will personally destroy your retirement, your home value, and your children's future. And here's the terrifying part. If that weren't terrifying enough, it's already started to happen. People think that the world can't afford to walk away from the dollar? Let's be real. The only reason America can keep borrowing like this is because the rest of the world keeps buying our debt. But what happens when China, Japan, or Saudi Arabia stop showing up to treasury auctions? In Saudi Arabia? They just announced they're accepting the yuan for all. oil payments. The dominals are falling. We're just not hearing about it on the news. Suddenly,

interest rates spike, the dollar tanks, and all those safe retirement plans start to look a lot less safe. But don't take my word for it. Just last month, Jamie Diamond publicly warned that the U.S. could face a debt crisis. You are going to see a crack in the bond market. But here's what he didn't tell you. J.P. Morgan Chase holds over $300 billion in government securities. He's literally profiting from the problem he's warning you about. And here's what most people miss. Foreign central banks have already started cutting back on buying U.S. debt. And the people cashing in, big banks and insiders who can move money in and out of currencies and assets before the average person even knows what's happening. The Congressional Budget Office projects

interest costs will reach $952 billion in 2025, representing an 8% increase from the previous year. The window is closing faster than anyone realizes, which brings us to the final most profitable lie. The experts will save us. Just trust the system. Let's be honest. If the experts were actually looking out for you, would we even be $36 trillion in the whole right now? It'll be $37 trillion any day now. Janet Yellen made $7.2 million in speaking fees from Wall Street banks before becoming secretary. Jerome Powell's net worth has grown substantially since becoming Fed chair. These aren't public servants. They're employees of the financial system, and you are not their client. The same talking heads on TV are the ones raking in speaking fees, trading on inside knowledge,

or lobbying for bigger bailouts. When it comes to the next debt ceiling crisis or market meltdown, they're going to be fine. You, you'll get higher taxes, slash benefits, and a retirement plan that buys half as much as you'd hoped. Look, I used to work in this system. I've sat in rooms where they laugh about dumb money. That's what they call the average Joe consumer investor. I've seen the presentations where they calculate exactly how much they can extract from middle class savings before people notice. So let's be real. The debt isn't just a problem. It's a product, a system built to funnel your hardened money into the hands of the very people selling you the debt crisis story. Who's cashing in on the deception? Wall Street, big banks, foreign governments, and a rotating cast of politicians who get

paid one way or the other, every time that national debt clock ticks higher. So what can you do about it? Well, the people who survive what's coming aren't smarter than you. They just have access to information you don't until now. First, don't play the game the way that they want you to. Owning cash and hoping for a bailout isn't a strategy. It's a setup. The people who win in this system are the ones who own real assets, real estate, businesses, cash flow streams that rise with inflation. What I'm about to share is the exact playbook, the wealthiest people I know what they use to protect their wealth during a currency crisis. The window, it's closing faster than anyone realizes. But you don't have to play victim to the biggest lies about the debt.

You can position yourself to win, just like the insiders do. So I put together a simple two-page document detailing what they call the exploit and escape strategy. It's five simple steps to turn the table on these lies in your favor. The link, it's below in the description. and understand that this is not financial advice, it's survival information. Which of these lies did you believe, or did you always suspect that the game was raped? The people who ignore this will regret it for the rest of their lives. Don't wait for them to fix the system.

Start taking control of your own future right now. While everyone else panics, you'll know exactly what to do. Hope is not a financial strategy. Let's get back to work. You are going to see a crack in the bond market. Think the 2008 crash was bad? This bond market bomb is 10 times bigger, and it's set to hit investors and business owners first. It is going to happen.

And it won't be a crash. It'll be a lockout. We borrowed and spent $10 trillion from 2020 to today. We also bought 4 trillion of your securities. Those numbers are true globally. The QE of us was 8 trillion. The QE of the rest of the world is another 8 trillion or something like that. You're talking about huge sums of money.

Jamie Diamond just told you why, but nobody's listening. Let's fix that in the next eight minutes, because here's what's happening now and why it matters for your next deal. I'm telling you what's going to happen, and you're going to panic. I'm not going to panic. We'll be fine. Jamie Diamond isn't some YouTube dumer. He's the king of Wall Street, but his warning, it's not new.

In 1994, city groups John Reed warned of irrational complacency weeks before $1.5 trillion vanished overnight. Here's why that matters to you. When Wall Street's biggest players start warning, it means the money you need for deals is about to get a lot harder to find. History doesn't repeat, but it rhymes loud. And here's what that means. I always thought that was funny, but here's what it means. The U.S. national debt, $37 trillion. That's $107,000 for every American, including your kids. You know, these are very large numbers. So translation, the government is broke. And when governments go broke, they make it harder for everyone else to borrow money. You're talking about huge sums of money. We don't really know the full effect of that. For years, the Fed flooded banks with

cheap money. That's why loans were easy to get. But since 2022, they've pulled $2.1 trillion back out of the system. Less money in the system means less money for your deals. But here's the gut punch. The warning light that's predicted every recession since 1970, flashing red for two years straight, a record, and Diamond isn't guessing. The last bond market collapse erased $1.5 trillion. But today, the market's 24 times bigger, $37 trillion debt bomb versus $4.8 trillion in 94. So if you do the math, a $4.8 trillion problem caused chaos in 1994. What happens when a $37 trillion problem explodes? Your funding doesn't just get expensive. It disappears. The government's response? But hidden fact, net interest will hit 13.55% of federal spending in 2025.

We'll spend more on debt than defense. And here's the scary part, if it could get scarier. When the government is spending more on debt payments than the entire defense budget, guess who they squeeze for tax money. And guess which loans banks stop making first? Yours and yours. A 1% rate hike used to cost us $360 billion. Now, 10 times bigger powder cake.

But what does this mean for you? Someone actually trying to get ahead? Well, let's zoom in. Meet Leonard. He's not new. Mid-40s closes deals, mastered off-market deal hunting with old school hustle and new tech tools. He's hungry. He wants passive income so we can stop hustling deal-to-deal.

He's a big fan of the channel. So he finds the perfect fixer-upper. He negotiates hard, locks in a killer price, but the bank only funds the purchase. Nothing for rehab or holding costs. He tried to negotiate, but nope, that's not how these loans work, they said. Seller has other buyers. Time's up. Leonard needs funds for everything.

Now, or he loses the deal. And here's where the system bites. New banking rules just made it 19% more expensive for banks to lend on real estate. What does that mean? Banks have to set aside 19% more cash for every real estate loan they make. So they're making fewer loans. And the ones they do make have stricter rules. Guess who eats that cost?

You do. Leonard loses the deal. Watches someone with faster. flexible cash, snag it. He's furious. He did everything right, but the money system is built to keep you stuck. But here's Leonard's light bulb moment. He found a different way. Three months later, he closed four deals using private credit while his bank was still reviewing applications. Leonard adapted. Most don't. And Leonard's story isn't rare. It's the new normal, actually. Banks tighten, lending standards shift, opportunities slip. And here's the connection. When the Fed warns about bond market

cracks, and the government is drowning in debt. Banks get scared. Scared banks don't lend. No lending means your deals die. And if Diamond's warning is right, this only gets tougher. Look, I've seen this myself. In 2003, one of my own clients lost three deals in a row to cash buyers because his banks slowed down mid-funding. If you rely on traditional money, you're rolling the dice. Real estate works if you play the real game. Most people are stuck chasing a problem. approvals, stacking paperwork, praying money shows before the window closes. And here's the reality. Bond markets are like the ocean. Banks are fish. When the tide, Fed liquidity leaves, stranded fish die first. That's why we saw regional banks collapse. What this means for your deals?

When banks are struggling to survive, your loan application isn't their priority. Their survival is. It's not 2012, not even 2020. Banks are scared. Credit is drying up. And here's the math that kills deals. A half a percent rate hike equals $180 billion in new interest costs for the government. And when the government pays more for money, everyone pays more for money. The Fed can't unload at $6.7 trillion in mortgage bonds without crashing the housing market. And that means they're trapped. They can't raise rates without destroying real estate, but they can't lower them without destroying the dollar. And even if you're doing creative deals, sub two seller financing, all the stuff we love here so much, It's the gap funding, the rehab cash, the marketing costs, and the speed that separates the pros from the stuck.

Feel the game's rigged? Yeah, you're right. It kind of is. But here's what most people miss. The game changed, but it didn't end. You just need to know the new rules. Is the problem real estate or the way you've been told to fund it? What if the choke point isn't the market?

It's the kind of money you're chasing. Stop begging banks. Follow the smart money, the ones who moved first. I mean, think about it. While you're waiting for bank approval, someone with private funding is closing your deal. If you had that type of funding, would you still be watching deals slip away? Or would you be scaling while others wait for approval? Insiders know this. Private credit jumped to $1.5 trillion.

Morgan Stanley says it'll be $2.6 trillion by 2009. And here's what that means. While banks got scared and pulled back, private lenders stepped in with $1.5 trillion bucks. They're funding the deals, banks won't touch. The smart money didn't wait for banks. They built their own system. The ones who plugged in, they thrive when markets shift. And in 60 seconds, I'll show you exactly how to tap into this.

But first, you need to understand why banks can't compete anymore. They're regulated to death. Every loan they make, they have to set aside cash reserves. When rates go up, they lose money on their old loans. When the Fed pulls money out, they have less to lend. But private credit, no reserves required. no old loans dragging them down, no Fed dependents. They can move fast, lend on deals banks won't touch, and fund the whole project, not just the purchase price.

That's why Leonard's bank said purchase only, while private credit said, here's everything you need. You don't have to play the old lending game. This isn't a secret. It's the new institutional normal. Billion dollar deals use private credit, and it's open to you if you're moving fast. The proof is in the growth. Private credit went from almost nothing, to $1.5 trillion because it solves the problems banks can't. When banks say no, private credit says yes. So what changed? Well, institutions learn that when traditional banking breaks down,

private credit steps up. Now you can access the same funding that billion-dollar deals use. This is money for action-takers. Bring the deal. Private credit brings the cash. No more only purchase price excuses. No more, come back later.

No more, that's not how we do it. Real example, Beltway, lending just closed $4.3 million in deals last month that bank said no to. While traditional borrowers waited for approvals that never came, these investors closed deals. Loophole lending just funded $2.1 million in business credit to help real estate investors and business owners with capital for marketing, for gap funding, for rehab costs and payroll. If you're ready, it's your turn. And here are the warning signs smart investors are watching, while others stay clueless. The first one is the Japan warning. Our debt to GDP matches Japan's 1999 level.

Four years later, it costs them three times more to borrow money. Same thing's about to happen here. Then the refinancing bomb. 23% of all government bonds have to be renewed this year. If the government can't find new lenders, interest rates explode. Higher government rates mean higher rates for everyone. The smart money move. While everyone's panicking about banks, private credit is quietly becoming the new normal.

The institutions already moved. Don't get left behind. And then the scale difference. 2008 subprime meltdown was 5% of total debt. Today, the refinancing risk is everywhere. Early movers win. And number five, don't be the stranded fish. When the tide goes out, you find out who's been swimming naked.

Make sure you have funding that doesn't depend on the Fed's mood. If you're already doing deals or ready to move fast, there are two places that you want to check out. First, Beltway lending. They do 30-year rental loans with no income documentation. just your lease, two bank statements, and ID. I'll put their link in the description. And the second place, loophole lending.

They get you up to $150,000 at 0% interest for 21 months with no collateral, approval in 30 seconds, funds in 7 to 14 days. See if you qualify for funding that doesn't make you beg. It's pretty refreshing. But loophole lending still might make sense to check out now. Go get some funds and help you kickstart things. Real estate isn't broken. The old way of doing it is.

The Fed is trapped. banks are scared. Private credit is winning. The bond market crack is coming. So the only question here is, are you ready or are you going to be the stranded fish? I'll see you next time. Take care. And that wraps up the epic show. If you found this episode valuable, who else do you know that might too? There's a really good chance you know someone else who would. And when their name comes to mind, please share it with them and ask them to click the subscribe button when they get here and I'll take great care of them. God loves you and so do I. Health, peace, peace, blessings and success. to you,

Matt Terrio. Living the dream. Yeah, yeah, we got the cash flow. You didn't know home for us. We got the cash flow. Okay, only

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