Debt and Sin: The Christian Real Estate Investor’s Dilemma

As a Christian, how do you reconcile verses like “the borrower is slave to the lender” with building a business that utilizes debt and private capital?

I’ve wrestled with this question for years…

When Tara and I first started out, we had the wrong kind of debt—credit cards, car loans, student loans. We worked hard to get rid of it.

Later, as I got into real estate investing, I began to see that not all debt is created equal.

I’ve spent nearly two decades using capital to acquire assets, improve properties, create housing, and generate opportunities for others. Along the way, I’ve often found myself revisiting the question:
“Am I doing this the right way?”

The conclusion I’ve come to is this:
Our responsibility isn’t to bury our talents. It’s to steward them wisely.

To use the resources, opportunities, skills, and relationships we’ve been given with integrity, diligence, and a servant’s heart.

For some investors, that may mean utilizing debt responsibly.

For others, it may mean partnerships, syndications, or equity structures with no debt at all.

The method matters less than the principles.

Operate honestly. Protect people. Honor your commitments. Create value. Grow what you’ve been entrusted with.

That’s a conversation I’ve been studying, praying about, and continuing to think through.

What are your thoughts?
Can debt be used responsibly as a tool, or should it be avoided altogether?

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