Build Real Estate Wealth Using Other People’s Money - Free eBook
Without Large Cash Outlays or Traditional Bank Loans
Most people assume real estate investing requires massive down payments, perfect credit, and years of waiting.
That belief keeps them on the sidelines.
In this free guide, I break down how experienced investors build real estate portfolios using Other People’s Money (OPM), often with little or no money of their own, while managing risk and maintaining control.
This is the same framework I’ve used personally and taught to thousands of investors through self-directed retirement strategies.
Why This Matters
Real estate remains one of the most reliable paths to long-term wealth. The problem is not opportunity. The problem is access to capital.
Most investors hesitate because they do not want to risk their savings or take on traditional debt at today’s rates. This guide shows how investors can legally and strategically solve that problem by structuring deals differently.
You do not need perfect timing.
You need the right structure.
What You’ll Learn Inside the Guide
This ebook walks you through seven proven ways investors fund real estate without relying solely on their own cash, including:
- How Other People’s Money actually works in real estate
- When private loans make more sense than banks
- How seller financing can reduce risk and upfront capital
- The pros and cons of hard money loans
- How crowdfunding and syndication spread risk across investors
- How investors partner IRAs together for larger deals
When leverage makes sense inside retirement accounts
Each strategy is explained in plain language, including when to use it, when to avoid it, and how it fits into a larger wealth plan
What Is “Other People’s Money” in Real Estate?
OPM simply means using capital that is not your own to fund real estate investments.
That can include:
- Private lenders
- Business partners
- Crowdfunding pools
- Syndications
- Self-directed IRAs and Solo 401(k)s
- Non-recourse loans tied to the property, not you personally
If you are not paying all cash from your personal savings, you are already using OPM. The key is knowing how to do it intentionally and safely.
This guide explains how investors evaluate risk tolerance, deal structure, and capital sources before committing to a deal
What You’ll Learn Inside the Guide
This ebook walks you through seven proven ways investors fund real estate without relying solely on their own cash, including:
- How Other People’s Money actually works in real estate
- When private loans make more sense than banks
- How seller financing can reduce risk and upfront capital
- The pros and cons of hard money loans
- How crowdfunding and syndication spread risk across investors
- How investors partner IRAs together for larger deals
When leverage makes sense inside retirement accounts
Each strategy is explained in plain language, including when to use it, when to avoid it, and how it fits into a larger wealth plan
What Is “Other People’s Money” in Real Estate?
OPM simply means using capital that is not your own to fund real estate investments.
That can include:
- Private lenders
- Business partners
- Crowdfunding pools
- Syndications
- Self-directed IRAs and Solo 401(k)s
- Non-recourse loans tied to the property, not you personally
If you are not paying all cash from your personal savings, you are already using OPM. The key is knowing how to do it intentionally and safely.
This guide explains how investors evaluate risk tolerance, deal structure, and capital sources before committing to a deal
Why Retirement Accounts Change the Game
One of the most overlooked sources of investment capital is retirement money. Self-directed IRAs and Solo 401(k)s allow investors to deploy retirement funds into real estate, private lending, and partnerships rather than limiting themselves to stocks and mutual funds.
Inside the guide, I explain:
- How IRA partnering works on real estate deals
- Why profits flow back into retirement accounts tax-advantaged
- How Roth structures can eliminate taxes on long-term gains
- When non-recourse loans can be used without personal liability
- How UBIT and UDFI affect leveraged deals and how to plan around them
This is where most investors have their biggest “aha” moment
Who This Guide Is For
This guide is designed for:
- Investors who want exposure to real estate without draining savings
- Professionals with retirement accounts sitting idle
- Real estate investors looking to scale beyond single deals
- Business owners seeking smarter capital structures
- Anyone tired of waiting for the “perfect time” to invest
You do not need to be accredited.
You do not need decades of experience.
You do need clarity.
What This Guide Is Not
This is not hype.
This is not a get-rich-quick pitch.
This is not theory.
It is a practical breakdown of how real investors structure deals using capital efficiently, responsibly, and legally.
Every strategy includes tradeoffs. I explain those clearly so you can decide what fits your goals.
About the Author
I’m Greg Herlean, founder of Horizon Trust. Over the past two decades, I’ve managed more than $1.4 billion in financial transactions and worked with thousands of investors using self-directed retirement strategies to invest in real assets.
I created this guide to show investors what is actually possible when they stop thinking like savers and start thinking like allocators.
If you want to understand how real estate investors use OPM and retirement funds to build wealth without relying solely on their own cash, this guide will give you a strong foundation.
Download My Guide Today. Get Instant Access.