Disrupting Real Estate Finance: Asset-Based Lending and the BRRRR Strategy with Saurabh Shah

Disrupting Real Estate Finance: Asset-Based Lending and the BRRRR Strategy with Saurabh Shah

What if you could finance real estate deals in just 7-10 days without showing tax returns or W-2s? In this game-changing episode of The Wealth in Yourself podcast, host Josh St. Laurent sits down with Saurabh Shah, NYU alumnus and co-founder of InstaLend Corporation, an alternative lending platform that's revolutionizing how investors finance properties.

Saurabh's journey took him from the vibrant heart of Mumbai to Wall Street's financial pulse, where he worked in investment banking and private equity while flipping houses on the side. This unique combination of high finance experience and hands-on real estate investing led him to identify a critical gap in the market - the difficulty new investors face accessing capital without traditional income documentation.

"We make a loan based on the value of real estate, not based on what your individual income is. We only underwrite the asset. We do not underwrite the individuals," Saurabh explains, describing how InstaLend's asset-based approach removes traditional lending barriers.

InstaLend has been recognized as one of the fastest-growing companies in the US, providing thousands of real estate entrepreneurs access to capital that allows them to redevelop neighborhoods. Their innovative approach focuses purely on the property's value rather than the borrower's personal income, enabling experienced investors and newcomers alike to scale their portfolios rapidly.

The conversation reveals how economic fluctuations post-COVID have reshaped the real estate landscape, from material cost inflation to supply chain disruptions, and how smart investors are adapting their strategies accordingly.

💰 What you'll discover:

• How asset-based lending works and why it's faster than conventional mortgages (7-10 days vs 30-45 days)
• The game-changing benefits: 90% purchase financing + 100% rehab coverage for experienced investors
• Why business purpose loans don't affect personal credit scores or utilization
• The shift from fix-and-flip to BRRRR (Buy, Rehab, Rent, Refinance) strategy in today's market
• How investors are pivoting to new construction due to housing inventory shortages
• The rise of wholesaling as investors wait for interest rates to decline
• Portfolio loan strategies for scaling beyond individual properties
• COVID's impact on material costs, labor shortages, and project timelines
• Why Section 8 housing offers premium rental yields for savvy investors
• The difference between portfolio loans and business lines of credit

Saurabh shares insights on current market trends, including the massive shift toward ground-up construction projects as existing housing inventory from the 1980s-90s becomes scarce. He explains how InstaLend has adapted by financing land acquisition for new construction projects, not just traditional rehabs.

The episode concludes with Saurabh's philosophy on building wealth through multiple income streams and his practical advice for getting started with just $1,000 - emphasizing the power of compounding and diversified investment approaches.

Connect with Saurabh Shah:Website: InstaLend.comLinkedIn: https://www.linkedin.com/in/saurabhshah85

To learn more about Josh and Wealth In Yourself:Website: www.wealthinyourself.com

Connect with us on social media:https://www.instagram.com/wealthinyourselfhttps://www.linkedin.com/company/wealth-in-yourselfhttps://www.youtube.com/@wealthinyourselfhttps://www.facebook.com/officialwealthinyourselfhttps://twitter.com/josh_stlaurenthttps://tiktok.com/@wealthinyourself

#RealEstateLending #AssetBasedLending #PrivateLending #RealEstateInvesting #BRRRRStrategy #FixAndFlip #RealEstateFinance #AlternativeLending #PropTech #InvestmentStrategy #RealEstateScaling #PortfolioLoans #NewConstruction #PassiveIncome #WealthBuilding #FinancialFreedom #RealEstateEntrepreneur #InvestmentProperty #RealEstateDeals #FinancialPlanning