What Creates 90% of Millionaires?

There’s a reason you hear the saying, “Ninety percent of millionaires become so through owning real estate.” Real estate creates lasting wealth because it combines leverage, cash flow, appreciation, and tax benefits — four forces that multiply your net worth over time.

At Ei8ht Street Funding, we’ve seen countless investors grow from first-time buyers to millionaires by strategically using financing to control appreciating assets. Real estate isn’t just about buying property — it’s about using capital wisely to build generational wealth.

Let’s break down the key ideas and questions that define the millionaire mindset — and how Ei8ht Street Funding helps you achieve it.

How to Turn $100K into $1 Million in 5 Years

To turn $100,000 into $1 million, you need leverage and velocity — using other people’s money to scale faster. Real estate lets you borrow against appreciating assets, reinvest profits, and compound growth.With Ei8ht Street Funding, investors can use $100K to control multiple fix & flip or rental deals, recycle capital through sales or refinances, and expand portfolios. With disciplined reinvestment, smart financing, and rising property values, hitting seven figures within five years is achievable.

Is a $500K Salary Considered Rich?

A $500,000 annual income certainly places you in the top 1–2% of earners in the U.S., but income alone doesn’t create wealth — assets do. High earners often fail to convert income into appreciating investments.Real estate, funded through partners like Ei8ht Street Funding, transforms cash flow into equity. A $500K salary, when combined with leveraged investing, can build multi-million-dollar net worth far faster than saving in a bank.

How Many Americans Actually Have $1 Million?

Recent data shows that about 8% to 10% of American adults have a net worth exceeding $1 million, and roughly one in ten households qualify as millionaires. However, most of that wealth is tied to real estate equity, not stocks or savings.That’s why platforms like Ei8ht Street Funding empower everyday investors to access mortgage programs that grow equity faster — from Fix & Flip to DSCR loans that turn rental income into long-term wealth.

What Is the 3 Rule Money?

The “3 Rule” in money management means dividing income into three equal parts: spend, save, and invest. This framework ensures that you live comfortably, maintain liquidity, and grow assets simultaneously.Real estate is the most powerful “invest” portion of that rule. At Ei8ht Street Funding, our investor-focused loan products help you convert that one-third investment share into appreciating property, tax deductions, and passive income.

What Is the 70% Rule in Real Estate?

The 70% rule helps fix & flip investors avoid overpaying for a property. It says you should pay no more than 70% of a property’s ARV (after-repair value) minus repair costs.Example: If ARV is $200,000 and repairs cost $40,000, your max offer should be $100,000.Ei8ht Street Funding’s Fix & Flip Program follows this principle by financing up to 90% of purchase and 100% of rehab costs—so investors can focus on profit and scalability without overleveraging.

What Does Warren Buffett Say About Real Estate?

Warren Buffett has long emphasized buying income-producing assets that are understandable, undervalued, and capable of compounding returns. Real estate fits that model perfectly. Buffett famously said, “The best investment you can make is in yourself — and in a good asset.”At Ei8ht Street Funding, we echo that philosophy by equipping investors with practical, income-driven financing solutions that build wealth through tangible, cash-flowing properties.

Is 1 in 10 Americans a Millionaire?

Yes — approximately 1 in 10 U.S. adults now have a net worth of $1 million or more. The majority built their wealth through real estate ownership, home equity, and investment property portfolios.Ei8ht Street Funding helps everyday investors join that top 10% by offering programs that finance deals traditionally overlooked by banks, making it possible to build wealth through leverage and strategic refinancing.

Why Do Rich People Buy So Many Homes?

Wealthy individuals understand that real estate multiplies value through appreciation, tax benefits, and cash flow. Each property represents a tangible asset that can earn income, appreciate in value, and hedge against inflation.With Ei8ht Street Funding’s flexible lending programs — including long-term rental loans and ground-up construction — investors can strategically expand portfolios, diversify risk, and generate consistent returns across multiple markets.

What Percent of Millionaires Make $100,000 a Year?

Surprisingly, not all millionaires have high annual incomes. In fact, around 30–40% of millionaires earn $100,000 or less per year. They’ve built wealth by accumulating appreciating assets, not just big paychecks.At Ei8ht Street Funding, we see this daily — investors using cash-flowing rental properties and fix & flip profits to build seven-figure portfolios, even with moderate personal income.

What Is the #1 Way Americans Are Becoming Millionaires?

Without question, the #1 wealth-builder in America remains real estate ownership. It’s how 90% of millionaires have achieved financial freedom — by using leverage, equity growth, and consistent reinvestment.Ei8ht Street Funding specializes in the very loans that make this possible — DSCR, Fix & Flip, and Ground-Up Construction — giving investors the tools to build generational wealth one property at a time.

What Occupation Has the Most Millionaires?

You might assume doctors or lawyers — but the top category is actually entrepreneurs and real estate investors. Real estate professionals benefit from recurring income, appreciation, and the ability to scale through financing.Ei8ht Street Funding empowers entrepreneurs across industries to enter this arena by providing fast, flexible capital designed for property acquisition, renovation, and rental stabilization.

Are 1 Out of Every 140 People Millionaires?

Globally, yes — approximately 1 in 140 people worldwide are millionaires, but the concentration is much higher in the U.S. due to property ownership.The average American millionaire holds most of their wealth in real estate assets — homes, rentals, or commercial property. With Ei8ht Street Funding, you can access those same tools the wealthy use: leverage, equity, and scalable lending options.

Final Thoughts: Build Your Path to the 90%

Real estate remains the single greatest engine of wealth creation. Whether you’re starting with a few thousand dollars or reinvesting six figures, the principle is the same — own assets that appreciate while others pay them off.

At Ei8ht Street Funding, we make that journey possible with:

• 🏠 Fix & Flip Loans – up to 90% purchase, 100% rehab

• 🏗️ Ground-Up Construction Loans – build from the ground up

• 🏢 DSCR Loans – qualify based on property income, not personal income

• ⚡ Fast approvals, common-sense underwriting, and nationwide programs

Ready to become part of the 90%?👉 Apply now at www.Ei8htStreetFunding.com