Forget the Banks, The Future of Real Estate Is Self-Funded
I saw recently that Grant Cardone is putting together a massive fund, billions on billions of dollars, to buy real estate without using the banks.
No calls to JPMorgan. No begging Wells Fargo for approval. Just self-funded, investor-driven capital taking down major deals.
And honestly? He kind of stole my idea.
I’ve been thinking about this for a long time, not at Grant’s scale (yet), but the same principle applies. Nearly every property and mobile home park I own is funded with private capital. No banks. No committees. Just me, my partners, and my lenders, most of whom I call friends.
These are people who wanted a better place for their money. They were tired of the volatility, the empty promises, and the lack of control that comes with the stock market or “safe” paper assets. They wanted something real. Something that actually helps people.
That’s where we’ve been quietly building for years, one affordable-housing community at a time.
The Rise of Private Lenders and Crowdfunded Capital
Here’s the shift happening right now:
People are done waiting for banks to catch up.
For decades, the system taught us to ask permission, get approved, get financed, play by their rules. But when interest rates skyrocket and lending tightens, who does that serve? Definitely not the investor, and certainly not the families trying to find a decent, affordable place to live.
Meanwhile, private lenders and small investors are teaming up to do what banks won’t, fund real assets that cash flow and make an impact.
Platforms for crowdfunding and private lending are exploding. It’s not just “the big guys” anymore. Everyday investors can pool capital, earn above-market returns, and directly help create more affordable housing, small business spaces, and community projects.
This is the direction the market’s headed.
And it’s not theory. It’s already happening.
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Real Assets. Real People. Real Impact.
Take one of our parks in East Texas as an example.Every unit, every improvement, funded by private lenders. Not one dollar from a bank. And we’re not talking about some speculative tech play. We’re talking about homes for working families, veterans, and retirees who just want a safe, clean place to call home.
You want stability?
It doesn’t get more stable than affordable housing that cash flows month after month.
Sam Zell, one of the greatest real estate investors to ever live, figured this out decades ago. He became the largest owner of mobile home parks in the world, and even after selling off most of his other assets, he never sold his parks. That tells you everything you need to know about where the real durability is.
The Power of Building Without Banks
The more I’ve leaned into this model, the more I’ve realized:
- We don’t need permission.
- We don’t need Wall Street.
- We don’t even need the banks.
We need people, people who believe in creating something that lasts.
- Private lenders.
- Crowdfunded investors.
- Communities that fund their own growth.
This isn’t just about making money. It’s about freedom, financial, creative, and moral.
Because when you build without the banks, you build without limits.
The future of real estate belongs to the creators.
To the doers.
To the ones willing to put their money where their values are.
So forget the banks.
The real movement has already started.
And it’s just getting warmed up.
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All the best,
Brant