Brice NDA

Key Insights The main barrier is not money, but knowledge: Contrary to popular belief, the number one barrier to real estate investment is not the lack of capital, but the lack of skills to navigate a complex market. Africa, a laboratory for alternative financing: Faced with limited access to bank credit due to the weight of the informal sector, community financing mechanisms like "tontines" have evolved. Now digitized, they inspire a new generation of PropTech solutions. Syndication democratizes access: Models like real estate syndication, highly structured in the United States, now allow groups of investors to unite to acquire large-scale properties (office buildings, residential projects), making high-impact investment accessible to more people. Passive Investment is Key: For many investors, the greatest value of these new models is the ability to invest without having to manage operations on a daily basis. It is the emergence of a new class of accessible and diversified real estate assets. How to invest in real estate without breaking the bank (and without spending sleepless nights) Investing in "real estate" has always been the symbol of solid wealth, a reliable refuge in an uncertain world. Yet, for millions of people around the world, this dream seems out of reach. It is often thought that the main obstacle is financial. "I don't have enough money," one tells oneself. But the reality is more subtle. The real wall is not capital, it is the complexity.. Today, as markets become increasingly volatile, a question arises: how can we democratize access to real estate investment? The answer may not come from Wall Street or the City, but from African capitals. When constraint creates innovation In sub-Saharan Africa, where nearly 70% of jobs are in the informal sector, access to traditional mortgage credit is a challenging journey. This constraint, far from being a hindrance, has forced the emergence of ingenious alternative solutions. The most well-known is the tontine, a community rotating savings system that allows for project financing while bypassing the banking system. What was an ancestral mechanism now has its 2.0 version. Mobile applications in Senegal and Ivory Coast digitize this process, creating "real estate tontines" that allow groups of young professionals to collectively acquire land or apartments. It is crowdfunding, but with a deeply rooted cultural base and community trust. From Tontine to Syndication: the emergence of a global model This idea of pooling capital to invest as a group is not unique to Africa. In the United States, it is at the heart of a highly structured model: real estate syndication.. The principle is simple: a "Sponsor" (the professional who leads the project) identifies an opportunity (an office building, a residential complex) and raises funds from a group of "Passive Investors." Together, they form a company to acquire and manage the property. "The main attraction of real estate syndication is to grant the possibility of owning a property that you could not otherwise afford." The advantage for the passive investor is immense. They can diversify their portfolio by holding a share of a high-value asset, without ever having to manage tenants or maintenance. They invest in real estate as they would in the stock market, while benefiting from direct knowledge of the project through regular reports. A new frontier for investors Whether through the digitization of tontines in Africa or the democratization of real estate syndication, a new underlying trend is emerging. Real estate investment is no longer reserved for institutional investors or wealthy individuals capable of managing complex projects alone. Thanks to these collaborative models and technology, a new generation of investors can now access high-potential opportunities, diversify their wealth, and participate in large-scale projects, no matter where they are in the world. The revolution in real estate investment is underway, and it is more inclusive and accessible than ever.