If you’ve heard the headline “big institutions are buying all the houses,” this episode cuts through the noise. On the Money in the Bank podcast, our own Ian Colville explains why underbuilding—not mega-landlords—is the real driver, what a sensible role private real estate and private credit can play in a portfolio, and how real due diligence actually protects clients.
Quick recap
• It’s a supply problem. The U.S. needs ~1.5M new homes per year just to stand still; we’ve underbuilt since 2008.
• Institutions aren’t “buying all the houses.” Their share of total stock is low single digits; local bids matter, but underbuilding is the real driver.
• Where private real estate fits. It’s a hard-asset strategy on the more conservative end of private markets (still risk—no guarantees).
• Diligence that travels. Sponsor track record + skin in the game, third-party admin and audit, aligned fees, local supply/demand, and flat-price underwriting.
• Liquidity ≠ liquid. Expect windows (notice periods, gates) vs. classic PE lockups; private credit and development can return cash in rolling cycles.
• Communication builds trust. Quarterly, deal-level modeling with independent administration and audits should be standard.
Watch / Join
• 🎧 Full episode: Money in the Bank with Franck — Ian Colville
• 🎓 CFP CE (1.5 Credits): Due Diligence & Suitability in Private Markets
