They are doing it because they prefer flexibility and liquidity over ownership.

Hi everyone,

I came across an article today that made me stop and think. More and more high income families, including millionaires, are choosing to rent instead of buy. They are not doing this because they cannot afford a home. They are doing it because they prefer flexibility and liquidity over ownership.

This is a real shift in mindset. People are much less focused on the old idea that owning a home equals success. Today they care more about freedom. They want the ability to move when they want, explore new cities, upgrade their lifestyle easily, and avoid being tied down. The traditional pressure to own is not as strong anymore.

Renting also removes a lot of responsibility. There are no repairs to deal with, no roofing issues, no AC replacements, and no surprise HOA assessments. When something breaks, someone else handles it. And for people with demanding careers or unpredictable schedules, that is priceless.

The biggest benefit is liquidity. Their cash is not locked into one property. Their capital stays available for investments, opportunities, business ideas, or higher returns elsewhere. They can keep their money working while still living in beautiful homes.

This is such a good opportunity for real estate investors who want to target this niche. If high income earners are choosing to rent long term, the demand for premium rentals will only increase. Investors who focus on quality rentals in desirable areas will attract tenants who value comfort, stability, and flexibility.

I see this every week in my lending work. Investors are buying homes that feel modern, fresh, and attractive for this type of renter. They are choosing neighborhoods with strong job markets, good schools, and lifestyle features because they know this renter profile is selective and willing to pay for convenience.

The psychology behind this trend is becoming very consistent. People want mobility. People want options. People want the freedom to adjust their life without being tied down by a mortgage. As the world becomes more unpredictable, flexibility becomes more valuable.

Real estate investors who understand this shift will position themselves to win. They will build portfolios that fit the new rental lifestyle and attract reliable tenants who appreciate the freedom that comes with renting.

Talk soon,

Alanna Avalone – Private Lender

Call/ Text/ WhatsApp: +1 (305) 537-6443 

This newsletter is my weekly take on lending, markets, and mindset, from someone who still loves helping people get deals done.

Thanks for reading

When banks say “we need more documents,” private credit says “we can close Tuesday.”

— Alanna Avalone (@AlannaAvalone) December 9, 2025

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