Renewable Energy Systems and Real Estate

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According to a recent German Watch Report of the Long-Term Global Climate Risk Index 2020, Pakistan is the 8th most vulnerable country to the adverse impacts of climate change (The News, 2021). The energy demand is constantly increasing in Pakistan as the country develops its industry, agriculture, real estate, and transportation sector. However, the largest share of electricity generation is with the thermal sector, which uses LNG, coal, gas, furnace oil, and nuclear energy to produce electricity. Not only are these sources expensive and lead to a high cost of production, resulting in very high costs of electricity for the general and commercial consumer, but they also adversely impact the climate by contributing significantly to the emittance of greenhouse gases. Nevertheless, renewable energy sources like solar systems are widely implemented in Pakistan’s commercial and residential areas. These systems provide reliable and affordable energy to their users with low maintenance costs and multiple incentives in tax breaks and goodwill in society. Continue reading to understand how renewable energy systems are transforming the real estate sector.


Renewable Energy and Pakistan

Realising the importance and potential of renewable energy in Pakistan, the Federal Government has set a target of achieving 20 percent renewable energy capacity by 2025 and 30 percent by 2030 in the national grid (NEPRA, 2020). However, achieving this herculean task will not be easy if the approach is limited to power stations based in remote locations. The high cost of installing and maintaining transmission lines alone will offset any perceived benefits over time. Therefore, the most appropriate method of introducing renewable energy is to promote its usage in the residential and commercial real estate and agriculture sectors. The declining costs of solar photovoltaic cells coupled with effective and efficient installation systems have made solar energy the fastest growing sector of Pakistan. The State Bank of Pakistan (SBP) has also declared Renewable Energy the Sector of the Year for 2021-22 (Durrani, 2021). According to industry estimates, around 3500 MW of solar panels have been imported to Pakistan in the last ten years. Out of these, only 1000 MW have been installed in independent power generation plants, with the rest being deployed in the residential, commercial, and agriculture real estate sector.


Why Adopt Solar Energy Systems in Residential and Commercial Real Estate?

There are many advantages and upsides of installing renewable energy systems on residential and commercial real estate. Along with benefiting the environment in the form of clean energy generation without burning fossil fuels, it also benefits the country in the future sustainability of energy. The real estate sector has a massive demand for energy, increasingenergy demand with greater use and adoption of technologies in the construction and marketing area. Energy prices in Pakistan continue to increase at a fast pace. With increasing energy growing demand due to the economy’s expansion, future businesses also give an advantage to the self-sufficient estate in terms of its energy needs. Therefore, having solar systems installed on residential, commercial, and industrial units can significantly reduce energy costs for businesses and individuals while also helping increase the overall income generated by landlords of commercial properties.

Furthermore, a significant number of people have now gained awareness of climate-friendly strategies and opt for a greener lifestyle. They attach importance to living in homes and buildings that generate eco-friendly energy, while it also brings other benefits to them in the form of tax breaks and incentives from the government. Due to innovation in technology over time, the cost of installing a solar system has also been significantly reduced. There are now methods that are less invasive and keep intact the integrity of the structure. The use of special chemicals ensures that even after mounting solar brackets, the roofs remain waterproof and damage-free. Moreover, the climate of Pakistan presents a near-perfect picture for solar energy systems adoption. Summers usually last for several months, with roof-based panels also providing insulation from heat, thereby reducing energy requirements for air conditioning. Lastly, solar energy systems can improve a commercial and industrial estate’s net operating income and help extend lease terms.


Challenges in the Adoption of Renewable Energy Systems

There are serious challenges that impede the adoption of solar energy for residential and commercial consumers in Pakistan. As per the Alternate Energy Development Board (AEDB), a total of 16,639 applications for net metering of on-grid solar connections have been received by all distribution companies of Pakistan as of 31 July 2021. This only amounts to 314 MW of mid to large-sized residential and small to mid-sized commercial solar PV systems. A high initial cost can be one of the reasons for the slow adoption of the technology. However, the total number of loans under the State Bank of Pakistan’s financing scheme for renewable energy amounts to 423 since the launching of the scheme five years back. At the same time, the share of financing only stands at 2.5 percent of total on-grid installed systems. This shows the dismal picture of financing for solar systems in the country. Banks and financial institutions have remained skeptical of solar technology and local vendors. However, the market has taken significant leaps over the years, and more people are now aware of net-metering technology and rising imports of Solar PV panels. Another important reason for the slow adoption of solar is a lack of product understanding in the market and institutions. The government has no formal efforts to promote a deeper understanding of how solar systems can help the general masses in their energy costs and sustainability.



Pakistan continues to face the threat of climate change as it is among the top ten countries most affected by it. The energy sector is one of the largest emitters of greenhouse gases as a large share of the generation process is based on thermal energy and the burning of fossil fuels. As energy demand continues to grow in accordance with developments in the industry, agriculture, and real estate, the challenge of adopting sustainable energy sources for reliable and affordable energy becomes more highlighted. The Federal Government has set a target of achieving 20 percent renewable energy capacity by 2025 and 30 percent by 2030 in the national grid. The State Bank of Pakistan (SBP) has also declared Renewable Energy the Sector of the Year for 2021-22. It is hoped that by adopting prudent fiscal and awareness policies, the adoption of renewable energy in the real estate sector will increase significantly.


Forex trading versus Real estate: Which is a better option?

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“In investing, what is comfortable is rarely profitable.” — Robert Arnott.


Investment is a real game-changer in one’s life. With profitable and wise investing decisions, one can achieve financial stability at a very high pace. There are many investment opportunities available in Pakistan. Each investment opportunity comes with its own set of pros and cons. Some of the most common investment opportunities in Pakistan include forex trading and real estate.

‘Forex trading versus Real estate’ is a topic that has been under discussion in the investment market for years now. Each mode of investment comes with its advantages and disadvantages. 


If you are a new investor about to make your first investment, you need to go through this blog. 

In this blog, we bring you a concise yet very informative list of things you need to know about ‘Forex trading versus Real estate’. To learn more about the comparison, keep reading.



According to Investopedia:

The foreign exchange market is where currencies are traded. Currencies are essential because they enable the purchase of goods and services locally and internationally as well. International currencies are a widespread investment opportunity in Pakistan because they are needed to be exchanged to conduct foreign trade and business.


Things you need to know about the forex trading market:

“Money is just something you need in case you do not die tomorrow. Let this be a reminder for you not to obsess over profits and losses. In whatever you do, strive for enjoyment, focus, contentment, humility, openness… Paradoxically (and as an unintended consequence) your trading performance will improve significantly.”


Forex trading works differently than real estate. In forex trading, traders in the market invest in different international currencies through a broker or facilitator. Sometimes, people even invest in currencies without taking help from intermediaries. People usually prefer investing in international currencies that are strong and perform well in the global market.  For example, people prefer investing in dollars, euros and dinars because these currencies are solid and faceless fluctuation than other currencies.

Pros of investing in forex trading:

  • The forex market is an investment that has the highest form of liquidity. This means that if you have to exchange your investment, you do not have to wait longer for it. Take your currency to the nearest currency exchange centre and get the money as soon as possible.

So, if you are someone who wants to invest his hard-earned cash in something that has high liquidity, we suggest you go for forex. 

  • It is straightforward to enter into the forex market. You need to have basic knowledge of currencies and how they work, and you are good to go. Also, it is easy to take a break from forex trading.

 For example, if your target forex market is down, you can participate on the next trading day. This way, you will not have to invest in something that is not profitable for you at the moment. 

  • Forex trading comes with high availability. This means that as an investor, you will have access to the forex trading market 24/7. The trading starts every day in Australia and ends in New York. The major countries with big trading centres are Singapore, France, Hong Kong, United Kingdom, Australia, the USA, and Germany. This also means that forex trading comes with diversification, and one can continually expand his portfolio. 


Cons of investing in forex trading:

  • In terms of profits, forex trading comes with little earnings as compared to real estate. Also, the forex trading market fluctuates and depends on a lot of external factors such as economic conditions of the country.
  • Also, you need to keep a check on the currencies and their past and present trends. This is important to ensure that you eliminate the risks that go along with it. In short, forex trading comes with a lot of attention and focus. 



But land is land, and it’s safer than the stocks and bonds of Wall Street swindlers. – Eugene O’neill


Before the comparative analysis between real estate and forex trading, it is essential to understand the things you need to know about real estate.


Things you need to know about the real estate market:

As compared to the forex trading market, the real estate market functions differently. Unlike forex trading, everything in real estate is bigger. Hence, real estate requires more considerable capital for investment. 

Also, with enormous investment comes more significant risks and more uncertainty. But it should also be noted that real estate comes with many perks and benefits that are not usually enjoyed in forex trading. Real estate allows you to own a tangible asset. That tangible asset can be used in many ways as well. Also, real estate gives you greater returns and more security in the long term. 


Pros of investing in real estate:

Some of the significant advantages of real estate are mentioned below. 

  • Real estate is one of the few assets in the world whose value appreciates over time. The land is an asset whose demand is increasing by leaps and bounds due to the global population increase. Hence, real estate is always in demand, and real estate will also remain fruitful for investors. 
  • Real estate is one of the best sources to generate revenue. You can earn money in real estate through renting, house flipping, buying plots and commercial properties.
  • It is seen that real estate has seen more technological advances than forex trading. Today, real estate has been improved by leaps and bounds due to advancements in the science of IT. Today, investors can easily connect to buyers, renters, and even potential business partners through online portals and mobile applications.


Cons of investing in real estate:

  • Real estate comes with low liquidity. This means that if you want to sell your property for cash, you may require some time for it. 
  • It is a common misconception that real estate is the gateway to financial freedom. This concept is genuine, but investors need to keep in mind that economic freedom in real estate will come with some time. Real estate requires some time to appreciate. It takes time and lots of patience before you can earn from your investment.
  • If you have little capital in hand, real estate investment might be an issue for you. For example, real estate projects such as commercial properties and apartments need a good amount of money. Without enough capital, one cannot invest in real estate
  • Property management is a serious and complicated task for real estate investors. Unlike forex trading, people need proper management and maintenance for their real estate property in Pakistan.


So, these are some things you need to know before investing in real estate and forex trading. We hope this blog gives you a fair idea about both investment opportunities in Pakistan. Go through the list and secure your money by keeping in view these pointers. 

If you have any additional questions or suggestions, leave a comment in the comments section below, and we will get back to you as soon as possible.

Happy investing!


Sustainable Development in Real Estate

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Sustainable development has become a buzzword in the contemporary world. As the stories of development unfold around the world, the word ‘sustainable development’ also resonates alongside these stories. Against this backdrop, the development of the real estate sector is also tied to this new yet old phenomenon. Keeping in view the Sustainable Development Goals (SDGs), the real estate sector can provide a great impetus in the realisation of these goals. brings you ways to further sustainable development in real estate. 



Technological developments along with advances in medicine have enhanced life expectancy. As a result, the global population has increased. However, the housing demand has not been at par with the rising population. This has created the housing crisis dilemma and has strained the real estate sector. There are no two views about it that the only way forward is vertical development – land is scarce and can no longer support the exponential growth in population. 


Vertical development is the construction of massive skyscrapers to allow people to habitat them. Instead of clearing forests and agricultural land to make space for urban development, town planners can support the construction of tall buildings to meet housing needs. This way scarce resources can be saved for future generations. In addition, by developing upwards, farmlands can be saved which will ensure a stable food supply for the rising population. 



Businesses, contractors and homeowners have realised the importance of sustainable development and are switching to green construction materials to minimise the environmental impact. On the flip side, there are also monetary benefits to going green. Utilising green materials results in energy-efficient buildings, decreases the carbon footprint and acts as a great marketing tool by boosting public perception towards environmentally friendly practices. Some examples include the use of bamboo, reclaimed wood, cork, mycelium, ferrock and recycled steel etc. These materials are easy to source and are cheaper to utilise. They bring down the overall construction costs too! 



From solar energy to wind energy, clean energy is the solution to all energy-related problems – climate, development and population. renewable energy is derived from sources of energy that can be naturally replenished without stressing the existing resources. With the advances in technology, humans have been able to use renewed energy sources like sun, water, wind to produce energy, not only are these green sources of power, these are also cost-efficient in the longer run. For example, solar energy is expensive to install but people are able to recover the initial installation cost within five years. Hence, within a few years, the users are able to enjoy cheap power to meet their daily needs. 



Recycling and reusing is another dimension of sustainable living in real estate. It is related to solid waste management in properties. Recycling refers to the alternative use of the same product to use it in creative ways while reusing refers to the repeated use of the same product without changing its form. This minimises the damage to the environment by sustainably repurposing the waste in meaningful ways in order to extend their life without the need to dispose them. 



There is no doubt about the fact that water is a scarce resource. Major cities of the world are already facing a water crisis. With global warming and lack of planning, pure water is increasingly becoming a luxury. In a few years time, the situation will worsen if active steps are not taken. Dams and reservoirs can be built to store water but that is a luxury only the developed nations can easily afford because it has a hefty price tag. An alternative is also available – rainwater harvesting. Rainwater harvesting is the system of collecting rainwater and treating it to make it available for everyday use. 


Significance of Professional Education and Specialist Training in the Real Estate Sector

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Real estate activity in Pakistan has been booming in recent years. It has become a lucrative investment field for both local and overseas investors. However, there is a shortage of professionalism and academic research and development in the real estate industry. Most investors in this sector have previously experienced a scam investment or a fraudulent investment scheme. Pakistan’s real estate sector also lags in technology adoption and transparent practices, which increases the chance of speculation-driven price increases rather than letting market forces regulate it. Lack of formal education in real estate is directly responsible for most of these problems. To make the real estate sector a professional and intellectual field of study, is leading the formal education sector in Pakistan. The company has collaborated with the National University of Sciences and Technology (NUST) to provide a real estate certification course. In addition, has partnered up with the University of Central Punjab to start a four-year professional bachelor’s degree in real estate. These developments mark the beginning of professional education in the real estate sector of Pakistan.


Growth of the Real Estate Sector in Pakistan – Incentives and Opportunities

Compared to the real estate sector in developed countries, the perception of real estate in Pakistan is primarily negative due to a lack of transparency, regulations, and widespread malpractices. Pakistan is the fifth most populous country in the world. The demand for real estate development is growing exponentially, citing population trends and growing economic and industrial needs. In the next ten years, nearly 120 million people will require homes in Pakistan. Considering that the average family size in Pakistan is around six individuals, the actual requirement for homes will be around 20 million housing units. To cope with this demand, the Prime Minister of Pakistan envisions 1 million housing units every year. Although many remain sceptical of this tall claim, it is not impossible. Real estate has the highest potential of all other sectors of Pakistan’s economy. More than 80 per cent of a country’s total asset value is based on real estate. Pakistan’s total real estate assets are valued at USD 1 trillion. According to the Ministry of Commerce, the real estate sector was valued at around USD 600-700 billion seven to eight years ago. There is also more than 25 per cent year on year growth in terms of value in planned areas of Pakistan.

Pakistan’s currency is shedding its value at an annual rate of 5 per cent compared to the US Dollar. This is a massive challenge for the country’s economy. Even if the economy grew, in 20 years, the actual worth will be equal to half of the estimated value. The real estate sector can help change this situation. However, the industry is the biggest challenge for the country and, at the same time, holds the greatest opportunity too. Currently, more than 70 per cent of court cases in Pakistan have to do with real estate. However, in terms of opportunity, the demand for real estate expansion is calculated at USD 1.5 to 2 trillion, which can be fulfilled through construction, real estate development, and allied industries. There are around 4.5 million units in planned areas of Pakistan, which makes 0.5 per cent of the total land of Pakistan. This planned area is worth USD 500 to 600 billion. If the required demand for housing units in the next 20 years is met using planned areas, it only requires an additional 1 per cent of the land area of Pakistan. Consequently, it will add USD 1 trillion in value to Pakistan’s real estate sector, and most of this will be in the form of low-cost housing.

In order to make 1 million homes every year, Pakistan requires USD 29 billion annually to be invested in real estate. Looking at overseas investments in Pakistan, a total of USD 25 billion was invested last year in the real estate sector in remittances and direct investments. However, up to 70 per cent of these investments get stuck due to a lack of regulation and lack of best practices. If Pakistan realises the potential of its RE sector using effective regulatory measures and introduction of professionalism, issues of economy, employment, industry, and agriculture can be solved.

It is estimated that in the next 20 years, Pakistan will spend USD 750 billion in construction activities alone. However, more than 70 to 80 per cent of building material is currently being imported by Pakistan. This can be tackled by allowing foreign companies to establish their manufacturing plants in Pakistan. It only requires the availability of a proper framework under which these companies can perform. Therefore, the real estate sector holds the key to revitalising the economy and providing jobs and employment to the over burgeoning youth of Pakistan. Although Pakistan is gifted with a knowledgeable and talented youth base, a lack of self-confidence remains the most significant factor in implementing positive changes.


Academia-Industry Linkage in Promoting Entrepreneurship and Job Opportunities in Pakistan

The contributions of Mr Shafiq Akbar have been tremendous in bringing innovation and revolution to the real estate sector of Pakistan. The University of Central Punjab has launched a BS program in Real Estate in collaboration with and the Imarat Group of Companies. The industry-academia linkage is very important for the development of any sector. Since the first university in the 10th century in Morocco, set by a Muslim lady named Fatima, the first two generations of universities played a pivotal role in societies as creators of new knowledge and acted as agents for the dissemination of knowledge that already existed. Then came the entrepreneurial university, which focused on transferring the newly created knowledge towards the industry. And now universities have moved towards exercises in sustainability from a whole spectrum perspective.

As the universities grow better, they continue to strive to attain higher linkages between multiple stakeholders of society. In the first and second generation of universities, the industry required input on what research must be carried out. This usually meant that the challenges faced by the industry were highlighted, and research was carried out in order to mitigate those challenges. It also resulted in the establishment of further sectors. Industry academia linkages are also strategic. It is very important to have a national innovation ecosystem to promote innovation and economic development in any country. The industry, society, and government universities must come together in collaboration. Countries pursuing innovation and development can be seen as having a strong and intimate system of industry-academia linkages.

Industry academia linkages can bring a win-win situation for an economy in any country. A university’s essential function can be described as providing the human resource that the market needs. Human resource development is the first step towards uplifting a slow or stagnant economy. A strong linkage between industry and academia can ensure that necessary skills required by the industry are taught to students for better employment opportunities. At present, the universities are churning out students that are not fit for the market.

Knowledge transfer is another function of universities. However, most of the knowledge taught to students is either outdated or not relevant to the industry. Therefore, there is a need for strong industry-academia linkages so that only relevant and valuable knowledge is transferred to future generations. The concept of entrepreneurial universities has also become very popular over time. These universities focus on partnerships, networks, relationships with public and private organisations and force interaction, collaboration, and cooperation among the core elements of any national innovation ecosystem. For example, Stanford University, after the first world war, established the Stanford Research Park. They incentivised the industry to be located over there, which gave rise to what is now known as Silicon Valley. The research and innovation carried out at Stanford Research Park fuel the world of technology all over the world today. Coming to the United Kingdom, Cambridge Science Park was established nearly five decades ago. The purpose was to promote technology start-ups in the UK. More than 7000 people are working in that science park today, with more than 130 companies that operate worldwide. Moving towards China, their investments in universities in the late 1990s can be seen today as they emerge as a significant world power. A science park was established in 1994, which hosts more than 25000 employees and 400 companies now. All these universities aim to become a bridge between innovation and technology in the industrial zone.

Coming to Pakistan, its universities are primarily in the first-generation model, where the focus is mainly on spreading the already existing knowledge. However, they have begun to realise the importance of industry-academia linkages. A striking example is the National University of Sciences and Technology (NUST), which established it’s National Science and Technology Park (NSTP). Similarly, NED Karachi and IBA Sukkur. Bahria University and Air University are also moving towards establishing science parks for generating and cultivating a culture of innovation. However, there are some challenges concerning Pakistan, such as there is no national innovation ecosystem, public policy, or incentive that require industry-academia linkages to be formalised. Also, the industry shares its problems with universities and requires a perfect solution; however, students who are not exposed to industries cannot give a complete and integrated solution for such issues. Lastly, local industries are generally reluctant to spend money on research and development. They expect this to be done by public entities or the higher education commission.

If proper industry-academia linkages are established, it can not only lead to enhancement in entrepreneurship and generate employment, but it can also stem out entities that leverage on the reservoir of stronger industry connections. In terms of a way forward, Pakistan requires a national innovation action plan. A proper policy framework is the need of the hour. Industries can be given incentives and tax breaks if they collaborate with universities. Secondly, these linkages depend heavily on a country’s technological and institutional endowments, showing a willingness to contribute towards these linkages. As part of the broader Science Technology and Innovation Policy Program, a policy was made in 2012 but remains unimplemented. Incentives must also be given to universities to transform into third-generation institutes in line with modern trends. Establishment of incubators, science and technology parks, and other innovation centres must be encouraged and become part of the university ecosystem.


Real Estate Education – Taking the First Step

Imarat Group of Companies has taken the first step towards establishing industry-academia linkages in the real estate sector of Pakistan. Real estate is the second-largest sector in employment; however, no real attention towards educating professionals has been paid over the years. This has led to people setting up estate agencies with services offered by “property dealers” all over Pakistan that are more known for their malpractices in the market. The activity has accrued a negative perception towards the professionals working in the sector. This perception is now being changed through education, and the establishment of best practices followed worldwide.

Real Estate Science Level 1 offered by in collaboration with PDC NUST was the first step towards making this change. The course targeted a foundation level knowledge for individuals who are not well versed in the best practices of real estate markets. The study looks upon real estate history and moves on towards Pakistan’s land and revenue system. One cannot understand the real estate sector unless there is a firm understanding of the country’s laws governing land, revenue, and tax. The course discusses laws and regulations and the differences between a real estate agent and an advisor. The course also details the features of primary and secondary markets specific to Pakistan. Perhaps the most crucial part is highlighting the ethical and moral standards required by a real estate advisor. Market malpractices are explored to understand the scope of right and wrong practice. Lastly, the course delves into the technology side of real estate. It explains the impact and role of the latest technologies like blockchain and Artificial Intelligence (AI) in the real estate sector.


Role of Federal and Provincial Governments in Promoting Best Practices in the Real Estate Sector

When considering the role of the state and private sector, the government’s role is that of a facilitator of activities that boost the private sector. An environment is created by the government where the private sector is flourished. Historically, in the first four decades of Pakistan’s creation, the real estate sector saw activity sponsored by the state to develop satellite towns and housing societies. However, in the last two decades, the private sector activity in real estate has generated significant momentum. Pakistan has seen players that define a thriving market, such as brokers, speculators, developers, etc. The real estate market has become self-sustainable now. Nevertheless, the state is not catching up with the level of growth achieved in the real estate market. There are huge gaps in terms of unlocking value potential through regulatory measures and job creation.

Pakistan has a plethora of sound policies that remain unimplemented. Policies must be implemented into laws based on objectives articulated in the policies. There is no overarching law for real estate regulation in Pakistan. Financing laws, corporate regulations, and joint ventures are missing in the real estate sector. Currently, there are no requirements for real estate agents in terms of training and education. This is a critical gap in terms of the development of high-quality players in the market. Another weakness is that every other sector has a trade body on the federal level; however, there is no thriving trade body in the real estate sector of Pakistan. Some authorities encompass builders across Pakistan, but the real estate sector is broader than just construction. Therefore, as long as proper implementation of laws and regulations are not practised, the challenges of the real estate sector will remain challenging to mitigate. There also needs to be a dispute resolution mechanism that can swiftly accommodate the large number of cases pertaining to real estate on a timely basis. Financing is another issue. The mortgage market is essentially non-existent in Pakistan, and the State Bank of Pakistan has recently brought welcome initiatives for boosting the mortgage sector. However, the collaterals demanded at the last stages of the application make many people ineligible for the scheme. Digital land records are another challenge for the real estate sector. Lastly, in terms of skills and training in the real estate sector, it is the responsibility of the government and the private sector to provide it.

Real Estate in the Age of Bitcoin

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The global economy came to its present complex form once societies developed a medium of exchange: money. What one takes for granted today was developed over centuries of exchange. Money has no value, but people’s trust in its intrinsic value— its interchangeability, transportability, and reliability—gives it value. As technology progresses, the medium of exchange is also going through an evolution in the form of cryptocurrencies. Cryptocurrencies are digital currencies that use a decentralized system to carry out a transaction. Bitcoin, the most well-known cryptocurrency, has become synonymous with the word cryptocurrency. This blog looks into the impact of Bitcoin on investment in real estate.


Fear of Bitcoin taking Investment away from Real Estate is Exaggerated

There are concerns that physical currency is disappearing. According to one estimate, one or two percent of transactions in the United States take place in bills—notes— and coins. In 2018, cryptocurrency or blockchains were valued at USD 700 billion. Bitcoin is the largest among these cryptocurrencies in terms of its value.

In recent years, there have been fears that Bitcoin will take investment away from real estate. The reason for this is a 101% return on investment in Bitcoin, but this fear is exaggerated. Bitcoin does not pose any challenge to real estate investment for several reasons. First off, investment in real estate is more secure. The decentralization in the Bitcoin system makes it unregulated and an unknown area for investors compared to real estate.

Secondly, in real estate, there is less chance of fraud. Social media is full of Bitcoin scams, and many vulnerable people are lured out of their savings in get-rich-quick schemes via Bitcoin. In most cases, this has nothing to do with the actual Bitcoin; the fraud occurs in its name. It is not easy to create a fraudulent situation like this in real estate.

Real estate investment is certain and stable; the value of real estate changes at a predictable rate. Bitcoin, on the other hand, is very unpredictable when it comes to fluctuations in its value. There are no tax breaks or deductions in Bitcoin, which can easily be found in real estate. In short, Bitcoin investment is not a competitor for real estate investment.


Bitcoin as an Opportunity for Real Estate

Real estate can benefit from the popularity of cryptocurrencies. First, cryptocurrencies have created a new class of wealthy people. These were primarily initial investors who were more or less related to the tech sector and jumped on the Bitcoin bandwagon. These people want to bring their newfound cryptocurrency wealth into the real estate sector. From this perspective, cryptocurrency will increase investment in real estate.

Another cryptocurrency trend benefitting real estate is conducting real estate transactions in cryptocurrency. There are many benefits for the real estate sector to try this. The most basic one being that cryptocurrency does not need a third party to carry out transactions. QR codes can be received from one party to another, and the transaction is done. There is no need to involve banks or other financial institutes. The simplicity of this transaction will attract people to invest in real estate.

There might be some people in real estate who are afraid of the fluctuating nature of Bitcoin. There are some strategies such people can use. They set the Bitcoin at the rate of the US dollars or Euro and receive payment in these currencies, and that is how they can avoid fluctuations in Bitcoin.


The Way Forward

Even though cryptocurrency presents a good picture of bringing investment to the real estate sector, it has a long path to cross before becoming equivalent to paper money. The system of Bitcoin is not secure yet, and the threat of hacking lures. Therefore, it is essential for Bitcoin or any other cryptocurrency to establish solid cybersecurity measures. At the same time, it needs to create an image of being safe.

Another concern regarding the growth of Bitcoin is the digital divide. In countries like Pakistan, where most people do not have access to the internet and internet users are primarily limited to social media and lack digital awareness, cryptocurrency fraud can become a real problem. There is a need to ensure media literacy first and introduce Bitcoin and other cryptocurrencies in countries like Pakistan.



In a nutshell, Bitcoin is one of the cryptocurrencies, digital currencies operating under a decentralized system. There are usually two camps when discussing the impact of cryptocurrency on real estate investment. One is afraid of it, while the other hypes it. So far, it has been observed that the impact of cryptocurrency would not take away investment from real estate. In the long run, cryptocurrency can bring more investment to the real estate sector. The new wealthy class created by cryptocurrency will invest in real estate. Cryptocurrency can also be used for real estate transactions. It is too soon to say that cryptocurrency will revolutionize transactions in the real estate sector. Therefore, It should be approached with positivity and caution.


Reforms to Regularise Real Estate Market

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Curbing terror financing has become one of the major concerns for Pakistan since the country’s addiction to the Financial Action Task Force’s (FATF) “grey list”, a global money laundering and terrorism financing watchdog. Since its addition to the list in 2018, Pakistan has successfully implemented 26 out of 27 points highlighted by the worldwide agency (Business Standard, 2021). However, more commitment is needed to curtail money laundering, which ultimately leads to terror financing.

The real estate sector of Pakistan is under-regulated mainly as there are many challenges associated with the valuation of land, access to information, ownership records, transaction details, and tax evasion. The agency wants Pakistan to ensure that members on its list of UN-designated terror groups cannot use the real estate sector for money laundering and terror financing. In line with that goal, Pakistan has recently announced a significant step to regulate the real estate market with strict conditions on realtors to ensure strict record keeping.

Continue reading to understand the implications for the real estate market and how the step will help curb money laundering and terror financing. 


Real Estate Regulation and Money Laundering

Pakistan’s real estate sector grew by 118pc in the last five years and is one of the least transparent or regulated in the world (Rashid, 2019). The recent uptick in residential and commercial properties prices in Pakistan indicates a fast-growing real estate sector. In line with the government’s vision to uplift the country’s economy using construction and real estate, a significant increase in investments from local and overseas Pakistanis has also been observed in recent months. Recently, a UAE firm announced to invest USD 30 million in Lahore after realising the immense potential of the city’s real estate. However, many areas prove to be a bone of contention between buyers, sellers, developers, and the government regarding real estate regulation (NIOC, 2020).

Real estate has primarily remained under regulated in Pakistan due to many factors such as outdated land records, century-old mechanisms for property verification, weak tax system, speculation by prominent market players, and multiple property valuation rates. All this makes the sector a prime focus for money laundering and illegal activities. Property valuations are also a complex area in the real estate market as different rates exist with the government, district administration, and the open market. Transactions are primarily carried out using cash transfers, and there are no legal requirements to submit ownerships and agreement records with government authorities. In many cases, the one paying for the property does not get it registered in his/her name to evade tax (Rana, 2021).

Furthermore, real estate taxation also remains flawed due to the non-availability of an integrated and digital financial system. Most real estate agents, brokers, and developers rely on speculation of property prices to allow for a massive increase in property prices. Although the activity generates huge profits, investors seeking to hide their illegal money can easily invest in these over-priced properties and facilitate money laundering. This also has a significant impact on the overall market as it increases the rates for properties generally. Therefore, there is also an urgent need for regulating real estate professionals to protect the general consumer from malpractice. The impact of effective regulation is mostly positive in the long run, even if the immediate results point towards a downward shift in economic development and investor interest.


Reforms Introduced in The Real Estate Sector

The federal government of Pakistan has recently taken a significant step towards fulfilling the last remaining condition of the Financial Action Task Force (FATF) demands curbing terror financing and money laundering in the country. Under the new measures, real estate professionals such as agents, brokers, and developers will be required to cross verify the names of sellers and purchasers of properties with the UN-designated list of people involved in money laundering and terrorism financing. If the person is not listed therein, the transaction can proceed. Otherwise, the agent will have to report the individual using an app to the relevant authorities. The Federal Board of Revenue (FBR) has also clearly defined requirements for brokers, developers, and builders that have also been registered as Designated Non-Financial Businesses and Professionals (DNFBPs).

Registered DNFBPs in the real estate sector had to provide a four-page datasheet covering multiple aspects about sellers and purchasers of the property to the FBR. Secondly, the developer and builder would be required to keep the copies of the sale and purchase agreement and the CNICs of the sellers and buyers. The recent reforms aim to facilitate the process as the requirement has been reduced to four practical standards that are also acceptable to real estate DNFBPs. The FBR has now defined the documentation requirements, role, and function of real estate professionals. The step also ensures that over 500,000 property agents and developers will have to register themselves as DNFBPs or work under the umbrella of already registered ones.

Due diligence by the customer is also a requirement for builders and developers registered as DNFBPs. At the same time, the buyer and seller will also have to submit a form declaring the actual owner of the property. This will ensure the record of a proper money trail in the financial system. Under this new law, a builder or developer is also required to maintain the record for five years to facilitate access to information in court cases. The ultimate objective is to allow only registered developers and dealers to do business in the market (Ansari, 2021).


Impact on the Real Estate Sector of Pakistan

A look at the global trends on how the introduction of regulation has impacted the real estate sector can provide an insight into the future of Pakistan’s process of regulating its own real estate sector. It is anticipated that compliance to new laws usually remains low in the initial stages; however, if the government successfully resists the pressures from markets, momentum can be gained towards fair market practice and adoption. A study conducted in the European real estate market shows that there are positive and negative impacts financially. With the benefits of regulation, an increase in welfare and a decrease in systemic risk and uncertainty can be seen.

Tight regulation of banks increases market confidence in financial stability. Regulations also make the industry more resilient to downturns. On the other end of the spectrum, financial regulation can also be seen as a regulatory burden because it increases the cost of risk diversification and operating and compliance costs, reducing the number of investors (Hoesli, 2017).

In terms of money laundering and terror financing, the steps taken by the government are a welcome initiative as it streamlines the financial system with real estate transactions. A well-maintained record of real estate transactions can also prove helpful in court cases as a majority of pending cases in Pakistani courts are related to land. Furthermore, as real estate agents, brokers, and developers will be required to register themselves as DNFBPs, it will streamline the market and reduce the influx of scam agents. However, it would be more beneficial if the transactions were recorded at market rates instead of local administration rates, as the difference between them is substantial in tax collection. All in all, the move is sure to offset money laundering practices and terror financing through the real estate sector of Pakistan.



Pakistan was added to the “grey-list” of the Financial Action Task Force (FATF), a global watchdog against money laundering and terror financing, in 2018. After completing 26 out of 27 agenda points, only the real estate and gold markets remained regulated. The Federal Board of Revenue (FBR) has also coordinated with the National Coordination Committee to ensure that real estate transactions are verified, recorded, and made through proper banking channels. Cross-ver verifying buyers and sellers with an UN-designated list of money launderers has also been introduced to block transactions involving such individuals. The initiatives are a welcome step towards curbing money laundering and terrorism financing in Pakistan.


Roshan Apna Ghar: Overseas Investment in Real Estate

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In line with the immense potential Pakistan’s real estate sector has to offer, the Prime Minister of Pakistan has recently launched the Roshan Apna Ghar scheme to attract investments from overseas Pakistanis. The country has a staggering 9 million overseas expats that send remittances, averaging around USD 29.4 billion in 2021 (Rizvi, 2021). However, the underlying problem with attracting foreign investment in the real estate sector is a large number of scams and fraud cases, multiple instances of land grabbing of properties owned by overseas investors, and incomplete development projects. The Roshan Apna Ghar scheme will provide mechanisms for overseas investors to ensure that the bank guarantees each property and up to 80 per cent of the total cost can be financed with zero processing charges. The scheme has been termed as a “game-changer” for the real estate sector of Pakistan. Continue reading to understand the prospects of the Roshan Apna Ghar scheme for the uplifting of the real estate sector.


Investment Potential of Overseas Pakistanis

According to the latest data, Pakistan has received a record USD 29.4 billion in remittances during the financial year 2020-21 as overseas Pakistanis continue to send over USD 2 billion foreign exchange consecutively for the past 13 months (Rizvi, 2021). It is a substantial 27 per cent year on year growth. Pakistan has a large and vibrant community of more than 9 million expats working in many different countries. An increase in foreign remittances also indicates the growing level of trust overseas Pakistanis place on the government and their development policies. According to the State Bank of Pakistan, remittances have helped boost the country’s currency reserves and allow debt repayment. The huge increase in remittances can also be attributed to the introduction of key regulatory measures by the State Bank of Pakistan, such as incentives for sending money through formal channels (PakistanObserver, 2021). In terms of investments, a total of USD 1.5 billion has been deposited by overseas Pakistanis in Roshan Digital Accounts (RDAs). USD 600 million has gone towards Naya Pakistan certificates. With the introduction of the Roshan Apna Ghar Scheme, it is expected that a significant amount of investments will also be directed towards the real estate sector of Pakistan. The industry is connected with more than 40 allied industries and will help boost the economy of Pakistan. Therefore, overseas Pakistanis are an indispensable source of investment for Pakistan.


Challenges Faced by Overseas Pakistanis in Investing in the Real Estate Sector

Investing in real estate is a highly lucrative option for many overseas Pakistanis. However, a majority of those who invest in real estate often end up getting stuck in land fraud cases and lengthy litigation trials. More than 70 per cent of court cases in Pakistan are related to real estate. Although Pakistan has the highest per capita demand for housing in the South Asian region, which shows the massive potential for growth in the real estate sector, a major hurdle towards the flow of foreign investments in the real estate sector is widespread corruption in the country. There are no formal channels for overseas residents to verify the ownership of a parcel of land which they intend to buy or invest in, there are no formal regulatory authorities that can keep a check on developer activities and deadlines, and there is also a genuine fear of being affected by malpractices rampant in the market. Land grabbing is another major issue in Pakistan as often the lands owned by overseas Pakistanis are illegally occupied by land mafias and residents. These cases often result in years of lengthy trials for the owner. Besides this, a majority of development projects are not approved by the relevant authorities and result in many problems for investors later on. In light of these challenges, many overseas investors refrain from investing in real estate projects on a larger scale (Dawn, 2021).


Roshan Apna Ghar Scheme

The Roshan Apna Ghar scheme is a new initiative launched by the State Bank of Pakistan under the Roshan Digital Accounts (RDA) infrastructure that allows millions of non-resident Pakistanis access to innovative banking solutions in collaboration with the commercial banks of Pakistan. Overseas Pakistanis can now buy and sell property, construct or renovate houses through their investment, or access bank financing with up to 80 per cent of the project’s value for a period of 3 to 25 years on fixed and variable rates. All this process can now be accomplished remotely and digitally. Banks will also offer a wide variety of pre-approved projects that will be legally guaranteed to mitigate the risks of land grabbing and fraudulent development schemes. The scheme is geared towards making overseas investments in the real estate sector convenient and fast. Non-resident Pakistanis will also purchase any property in Pakistan through RDA participating banks by selecting a property and nominating a person to complete the sale and purchase. The bank will accurately value the property and transfer the funds to the seller in case of a completed transaction. Shariah-compliant methods will also be offered under the scheme. Lastly, resident Pakistanis can now become co-borrowers with non-resident Pakistanis towards the financing of homes and properties. This will allow a massive number of people whose relatives are overseas to gain access to house financing on easier and more convenient terms (State Bank of Pakistan, 2021).



Pakistan’s real estate sector offers a massive potential to uplift the country’s economy. The sector has forward and backward linkages with more than 40 allied sectors of the industry. The recent launching of the Roshan Apna Ghar scheme by the Prime Minister of Pakistan focuses on bringing foreign direct investment into the real estate sector of Pakistan. Pakistan faces a serious current account deficit due to rising imports and falling exports. By ensuring that overseas Pakistanis can remotely and digitally invest in the real estate of Pakistan, it is expected that a large number of investments will come to the real estate sector of Pakistan.


Pakistan’s real estate sector to welcome biggest REIT funds

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ISLAMABAD: To benefit from the booming real estate sector of Pakistan, a private company is planning to raise the biggest Real Estate Investment Trusts (REIT) funds in the country.

According to the details, the private company is planning to raise $500mn by establishing a private entity.

The private company aims to raise the 60pc of total funds by welcoming foreign investment in the country while raising the remaining funds from domestic investors.

The funds will be utilised to finance three real estate projects in the country.


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SBP introduces new mechanism for overseas Pakistanis in real estate sector

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KARACHI: State Bank of Pakistan has introduced a new mechanism to extend financing facilities to non-resident Pakistanis for investing in the real estate sector.

According to the details, the SBP has allowed funding facility to Roshan Digital Account (RDA) holders using their PKR accounts using digital channels.

The central banks have allowed the overseas Pakistanis to invest directly in the shares of companies in Pakistan, and units of funds licensed by the Security Exchange Commission of Pakistan (SECP).

Earlier, transactions in RDAs were allowed only through banking channels however, inflows through Money Transfer Operators (MTO) in RDAs have also been allowed by the central bank.

This initiative will increase the inflows of remittances in RDAs.


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The Impact of Formal Education in Real Estate

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Pakistan’s real estate market is growing and offers massive potential for investors, job-seeking youth, and uplifting the country’s economy (Haq, 2009). Real estate agents with specialised training are increasingly sought after in an emerging market fraught with speculation and malpractices. The real estate industry faces many challenges that can only be overcome with education. In recent years, the real estate industry has experienced a revolution. Due to the increased use of technology in the real estate market, the demand for individuals with proper knowledge and expertise is rising (Mashvisor, 2021). Education in real estate will significantly improve agents, brokers, and consultants as a new wave of PropTech startups expands in the country, and the government adopts better regulatory measures. Therefore, it is impossible to overstate the importance of a proper real estate education, as the benefits far outweigh any perceived costs. Continue reading to understand how key players in the sector are changing the dynamics of real estate education.


Why Does the Real Estate Sector Require Formal Education?

Pakistan’s real estate sector is booming, with millions of dollars worth of investments coming in from local and overseas investors every year. However, up to 70 per cent of these investments often end up in fraudulent schemes and end up with court cases and lengthy litigation trials (Landportal, 2021). This highlights the lack of professionalism and the lack of adoption of best practices. The real estate market in Pakistan is also relatively behind the world in terms of technology adoption and overall transparency. This gives rise to speculation by specific market forces instead of allowing the forces of demand and supply to regulate the price and value. Most of these problems are a direct result of a lack of formal education in the discipline of real estate. A majority of those who work in real estate are college passed students who, without proper training, enter the market for quick money-making purposes. This gives rise to several challenges for the buyers and investors. An agent or advisor in real estate who does not entirely understand the field can provide misleading advice and not keep the customer’s interest on a high pedestal. Furthermore, suppose the masses are not introduced to proper real estate professionals with a working knowledge of the field. In that case, the negative perceptions associated with the real estate sector cannot be mitigated, resulting in the industry’s slow growth. Therefore, a formal real estate education is the need of the hour in Pakistan.


What can a Formal Education in Real Estate Bring to the market?

Pakistan needs a staggering 1.5 million jobs per annum to sustain the demand for employment in the face of rising population growth trends. Real estate is the largest sector of Pakistan’s economy, with a massive potential for creating jobs and businesses in the market. Generating employment in the industry will also help boost more than 40 allied sectors of the economy. However, it will not be possible to develop a fast-paced and modern real estate industry without formal education covering all aspects of real estate management, development, technology, regulation, and policymaking. The world has rapidly enhanced the use of technology in nearly all sectors of the economy, whereas Pakistan continues to maintain a stagnant market, lacking innovation and policy support. The world continues to enjoy PropTech revolution 3.0, which entails a prospering sharing economy, sophisticated brokerages, the use of intelligent technologies, and artificial intelligence and machine learning-based forecasting models for markets.

With a formal education in real estate, Pakistan can hope to address all these challenges over time. Recently,, Pakistan’s first online real estate marketplace, launched a certificate course in collaboration with the National University of Science and Technology (NUST), covering all the basics of real estate science (NUST, 2021). The course offers a comprehensive outline for understanding various crucial aspects of real estate and training individuals to become responsible real estate advisors. The company enjoys a robust real estate portfolio within Pakistan and has the vision to transform the real estate sector to uplift the economy. The course is taught by industry-leading professionals with more than a decade of experience in local and international markets. After gathering an overwhelming response on their first effort to standardise real estate education in Pakistan, the company has also launched Pakistan’s first formal real estate bachelor’s program in collaboration with the University of Central Punjab, Lahore. The industry stands to gain the most with this model as no single entity can transform the real estate market of Pakistan on its own. As long as a collective effort towards educating the youth is not made, the norms and presumptions associated with the sector cannot change for the better.


Pakistan’s real estate sector invites the country’s youth to bring innovation and expertise to the market fraught with challenges of malpractice, lack of transparency, and misinformation. That is only possible if a formal real estate education is provided to the youth, who will eventually become industry leaders in time. The world is rapidly advancing in terms of the use of technology, and Pakistan can only start to reap the benefits if a proper understanding of the sector is achieved. Companies like are revolutionising the market by bringing industry-leading expertise to the youth. It is hoped that by consistent efforts from educational institutes and government policies, Pakistan will experience a paradigm shift in its real estate sector. collaborates with UCP to introduce Pakistan’s First BS in Real Estate Management

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5 scores a first in academia yet again, as it partners with the University of Central Punjab (UCP) to launch Pakistan’s first Bachelors (BS) in Real Estate Management (REM) – a four-year formal education degree.

The degree introduced after a thorough consultation and deliberation with Vice-Chancellor Rear Admiral (R) Dr. Nassar Ikram, HI(M) will turn over a new leaf in the real estate sector, as it will provide substantial professional human capital.

This is the second collaboration of with the renowned academician, having previously served as Pro-Rector, National University of Sciences and Technology (NUST), to launch Pakistan’s first Real Estate Certification – Level 1

Furthermore, the programme will enable to find out the existing loophole in the real estate sector, which will be addressed through an academic approach. 


Procedure to Apply

The courses offered in the programme include Introduction to Real Estate Business and Industry, Construction Engineering and Practices, prospects and challenges, project management, strategic property management law, asset management, evaluation, planning, etc. The admission fee for the course is Rs 25,000. 

To register for the course, visit: BS Real Estate Management 


About the Course

The graduates of the course will be trained to find extensive acceptance in the job market and open the doors to pursue their businesses bringing innovation in this sector.

An amalgamation of both theory and practical studies, the one-of-a-kind degree provides a learning experience by closely examining technological, management and legal issues related to the real estate profession

Rules for Successful Investing in Real Estate

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Investing in real estate can require multiple steps that are necessary to make an informed decision. From educating oneself to setting investment goals, real estate investing can be a rewarding task if done correctly. Market state, real estate cycles, speculation, cash flows, diversity, leverage, control and capital, are some of the factors which need to be considered before making any investment in real estate (WCI, 2020). To a new investor, these considerations might well be overwhelming; however, knowing strategies for investing according to certain parameters can define the outcome between profit or loss. Real estate is a challenging business that requires knowledge, talent, organisation, networking, and perseverance. One cannot rely on in-class education for acquiring all these skills; rather, finding help and networking are all part of the process. Continue reading to understand the rules for successful investing in real estate.


Rules for Successful Investing

Real estate investing involves analysing several aspects of the market, property, regulation, location, along with many others. However, that cannot be achieved without having sound knowledge of all the metrics involved. Without the proper knowledge, an investor can fall prey to diverse opinions and make the wrong decisions. Proper acquaintance with all the specific terms and jargon used can make all the difference between a good and a great investor. Therefore, educating oneself is a strong fundamental to investing in real estate. If an investor is unaware of byelaws and regulations regarding a prospective property, it can result in significant losses and complications. A proper real estate education also helps investors realise all the risks involved in the process (Midwest Bank, 2019).

No investment venture can be successful without fulfilling the investors’ goals. Therefore, it is important to realise what those goals are in the case of each investor. A goal is significantly different from a wish. Having a clear and specific investment goal serves as a map for the journey towards success. It has proven that writing clear goals leads to success compared to not doing anything at all. Goals can range from acquiring a certain number of or type of properties each year or can be to generate a certain amount of cash flow each year. A business plan is a good way to allow investors to view everything from a bird’s eye view and determine their strategy aligns with their goals or not (SideCommission, 2021).

Another important rule is to never speculate. Investing with a long-term perspective will always remain a more rewarding and less risky task. Most investors are lured by double-digit growth rates and invest in short-term market gains; however, such strategies can easily backfire and cause much financial loss to the investor. Any investment decision should be based on numbers and analysis conducted with reliable data. Although real estate investors are not obliged to uphold any moral, ethical code, and it is often very easy to take advantage of distressed sellers, investing in real estate involves people, and an investor’s reputation is far-reaching. Keeping aware of current trends, consumer spending habits, mortgage rates, and unemployment rates let real estate investors take a much more calculated and informed decision (Dale, 2019).

Moreover, an investor should also diversify his investment portfolio across diverse markets. It is not common for all markets to experience similar trends over time. If one market performs poorly, the investor can take margins and cover loss through profits in others. An investor should also consider taking on property management services as it helps cover many aspects such as knowledge of tenant-landlord laws, marketing resources, strong people skills, and complaint handling measures. Investing in properties without property management services can become a handful of tasks with dramatic repercussions for the investor. Lastly, an investor should always remain a direct investor in real estate and not rely on third parties to handle his investment portfolio (Bloch, 2021).


Starter Strategies for the New Investor

New investors can use starter strategies to invest in real estate to minimise their risk and chances of loss. An investor could start by implementing house hacking which is living in a property While also sharing space with renters. The strategy will help the investor learn the landlord-tenant relationship and the laws governing it. Once the investor feels confident that the situation can be managed without living in the same property, they can move onto a separate property while also managing rentals on others. Another important strategy is the live and flip model. The investor buys a home and lives in it for a couple of years, selling it for a higher price later. This can help the investor in getting an exemption from capital gains tax and other property-related taxes. The last strategy is the buy remodelled Brent refinance and repeat model. This is an excellent way to build a rental portfolio without running out of cash early in the investing stage. Once the property has been fixed and stabilised, it can be refinanced using long term mortgages to pull most of the original capital out of the next deal (Carson, 2020).



Investing in real estate is a rewarding job that can offer many benefits in terms of cash flows diversification and tax exemptions. However, establishing a basic set of rules which guide the investor in the process can make all the difference between a good and a great investor. Having a deep knowledge of all the terms used in real estate along with Millie arity with different markets the investor plans to invest in can greatly mitigate risk and the chance of loss. The investor should also have clear goals and should never rely on speculation for long term investment strategies. Keeping in mind the diverse options available for new investors, is it important that starter strategies be applied to protect investor capital and reduce the burden of taxes and regulatory filings in the initial stages.