I hear this a lot in property. And sometimes, it’s absolutely true. Capital can be a genuine constraint. But I think there’s an important distinction we need to make: There’s a difference between not having capital and not having a strategy for accessing capital. If you don’t have enough of your own funds to complete a deal, that doesn’t necessarily mean the deal is impossible. The better question might be: What options do I have to structure this deal? That could mean looking at: 1. Joint ventures 2. Private investors 3. Bridging or other forms of property finance 4. Seller finance where appropriate 5. Reinvesting profits from previous deals 6. Raising capital around a strong, well-underwritten opportunity 7. Building another income-producing business or asset alongside property None of these are automatic solutions. Each comes with its own risks, costs, requirements and responsibilities. But simply saying “I don't have the money” can sometimes stop the conversation before you’ve explored what is actually possible. I’ve learned that creating capital is also part of becoming a property investor. That means building relationships before you need them. Understanding different funding structures. Knowing your numbers well enough to communicate an opportunity clearly. Building credibility through action and completed deals. And, importantly, developing income streams and assets outside of property that can strengthen your overall position over time. The number 7 has really helped my property business growth over the years. So rather than asking: Why can’t I do this deal because I don’t have enough capital? Maybe ask: What would need to be true for this deal to work, and who or what could help me bridge the gap? That shift in thinking can lead to very different conversations. For those actively investing right now: how are you approaching capital creation, building your own reserves, raising private capital, partnering, using finance, or creating income outside property?