Andresa GuidelliCEO, The Real Estate InvestHER · Co-Founder

You dont need a bank to buy real estate

19 Jun 2026 · 1 min

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1:09

In this monologue, the speaker argues that before banks entered the real estate market in the 1930s, property transactions were conducted directly between individuals, with terms tailored to each party’s needs. Over time, trust shifted from community members to financial institutions, which the speaker characterizes as extractive. Citing the 2008‑2009 financial crisis—where over eight million people lost their homes—the speaker highlights how reliance on banks and mortgages enabled exploitation. The discussion expands to the broader debt burden faced by American households, including mortgages, student loans, car loans, and healthcare costs, noting that most citizens spend a large portion of their income servicing debt. To counter this systemic extraction, the speaker proposes re‑engineering the housing market through everyday practices like seller financing, which can restore person‑to‑person transactions and reduce dependence on banks.

Chapters

Before the banks got involved in the 1930s, this is how we bought and sold real estate. We did it person to person, and we designed the terms around each one of our problems and, and what we wanted to do. But somewhere along the line, we've lost faith in one another as community, as other human beings, and we've learned to trust logos and mortgages and lenders. And if we look historically back, those institutions are not for us. They are extractive. Look at the 2008-2009 crisis. That was a product of people trusting institutions over one another, and those institutions then exploited that opportunity. Over 8 million people lost their homes because of the 2008 crisis. We need to re-engineer a system whereby it benefits the majority of us and doesn't extract from us. And it's just been normalized that we send hundreds, if not thousands of dollars from every American household, whether you are a renter or whether you are a homeowner, in bank interest. And it's not just our housing, you know, it's our, our student debt, our cars, our healthcare, right? All of these things are leveraged and, you know, Americans spend most of their time working just to pay off debt. And so this is system that we are now subjected to that we can change in these everyday activities like seller financing.