One of our lenders just told us 90% of the loans on his books are in default. Not a headline. Not a forecast. A real lender, talking about real properties, right now.

He isn’t the only one seeing it. A broker who closes serious volume has rebuilt his whole business around helping banks offload properties they’ve taken back. One bank wrote a $13 million commercial loan down to $5 million while a court-appointed manager let the asset fall apart.

Here’s what’s driving it. Commercial loans reset every five years, and the debt taken out before rates doubled in 2022 is coming due heading into 2027. On top of that, tenants are walking out of retail and office buildings. The rent stops. The mortgage doesn’t.

Gabe and Mitch break down where the pressure is building, why this looks different from 2008, and what banks are doing behind the scenes to avoid taking more properties back.

What you’ll learn:

• Why commercial loans are the pressure point going into 2027
• What happens to an owner when a $20,000 a month tenant disappears
• Why banks are desperate to avoid foreclosure and what they’ll offer good operators
• How to talk to your lender before a problem becomes a default
• How to get positioned for distressed deals before they hit the market

When banks start handing back properties, the investors with relationships and reputation get the first call. Everyone else reads about it later.

Want to be in the room where these deals get worked through? Join the Zero to 100 Elite Mastermind: zeroto100tribe.com/joinelite

What if having more money actually makes you a worse real estate investor?

Some of the best real estate deals we've ever made happened when we had almost no cash. No big bank account. No massive reserves. Just creativity, relationships, and the determination to make a deal work.

In this episode of Zero to 100, we break down why having money can become a crutch for real estate investors, and why learning to find opportunities without relying on your own capital can be a serious advantage.

We discuss:

• Why our most profitable real estate deals started with little cash
• How to leverage partnerships, creative financing, and other people's capital
• Why successful investors sometimes lose the mindset that made them successful
• The difference between being an entrepreneur and managing money
• How to stay creative and find opportunities as your portfolio grows
• Why being resourceful can matter more than having resources

Whether you're working toward your first rental property or already building a substantial portfolio, this conversation challenges how you think about money, investing, and creating wealth.

The biggest opportunities don't always go to investors with the most money. Sometimes they go to the ones who know how to put a deal together.

Most people were taught the same money advice: get good grades, go to college, find a good job, work hard, and stay out of debt, but what if following that advice is exactly what's keeping you financially trapped?

In this episode of the Zero to 100 Podcast, we break down some of the worst financial advice we've been given and why the traditional path to success isn't working for so many people.

We discuss why a high-paying job doesn't guarantee financial freedom, the difference between good debt and bad debt, and how owning cash-flowing assets like real estate can change your relationship with money.

We also talk about the lessons from Rich Dad Poor Dad, why financial education matters more than ever, and how ordinary people can start building wealth outside their 9-to-5 jobs.

In this episode:

• Why working hard doesn't always lead to wealth
• Is college still worth the money in 2026?
• The difference between good debt and bad debt
• Why wealthy people focus on owning assets
• How real estate investing can create passive income
• Breaking free from the 9-to-5 rat race
• The financial education most people never receive

You don't have to quit your job tomorrow or become a full-time investor. But if you're tired of trading your time for money, it might be time to question the advice you've been following.

Subscribe to the Zero to 100 Podcast for conversations about real estate investing, building wealth, and creating financial freedom.