Kerry Lutz interviews Culby Culbertson, a financier in the real estate investment space, about the current state of the market and the challenges of raising capital in a banking crisis. They discuss the impact of rising interest rates on underwriting and values, the potential for defaults, and the need for strategic planning and additional capital to avoid default. They also explore the increasing lending standards and the need for developers to have more cash investment in their projects, as well as the potential for non-traditional lenders like family offices to fill the gap left by the banking sector. Additionally, they discuss the future of interest rates and the role of politics in determining them, the rise of owner user assets, the challenges of converting office buildings to other uses, and the increase in green energy projects. Culby's LinkedIn Page: https://bit.ly/culby-culbertson Find FSN at https://FinancialSurvivalNetwork.com