Georgia Browne

Private credit is rapidly replacing banks by offering faster, flexible, cash-flow-focused financing for real estate investors.

Banks are retreating due to regulation, slower underwriting, and rising competition from institutional private lenders.

Private lenders innovate with DSCR, bridge, construction loans and finance diverse, growing property sectors.

Institutional capital influx strengthens private credit’s scale, stability, and superior risk-adjusted returns across cycles.

Investors benefit from speed and flexibility but must manage higher costs, due diligence, and liquidity risks.

How Private Credit Is Transforming Real Estate

IUL = Market Linked, Not Market Risky.
Cash value grows based on an index — you get market potential without direct exposure.
VUL = Market Driven, Market Dependent.
Your cash value is actually invested — meaning higher upside and real downside risk.
IUL Protects.
Has a floor (often 0%) — your cash value won’t drop during bad market years.
VUL Performs.
No floor — but with smart fund choices, investors can capture more long-term growth.
IUL suits the cautious optimist. VUL suits the confident investor. Both build wealth — just through different comfort zones.