Business
A Peek Into the Future of In-House Real Estate Financing with Christopher Aubin

Traditional lending practices often fall short, as evidenced by the 2008 housing crisis, as well as the current state of the real estate market. To help the everyday American finance their dream home, one company has adopted a strategy that may be the very future of real estate loans.
Anchor State Investments, led by CEO Christopher Aubin, offers a powerful solution through in-house financing.
Anchor State: Redefining Real Estate Financing
Aubin, a former Marine turned real estate mogul, founded Anchor State Investments with the mission to make homeownership accessible for all, especially those often overlooked by wider society, such as his fellow servicemen. The company’s strategy is an overarching one, combining property rehabilitation, financial education, and most notably, highly flexible capital options.
“We’re here to change lives by providing opportunities that traditional lenders often avoid,” Aubin states. “We aim to keep things hassle-free, quick, and fair. If you’re looking at rental property investment, exploring opportunities in fixer-upper projects, or embarking on new construction ventures, Anchor State’s got your back.“
Anchor State’s financing program is designed to offer fair, transparent lending options to those who may not qualify for the strict requirements of conventional mortgages. Providing competitive interest rates, flexible terms, and personalized financial counseling, the company hopes to revitalize homeownership as a concept itself.
Current Strategies and the Rise of In-House Financing
Traditionally, real estate purchases have been financed through banks, credit unions, and government-backed loans. However, these options often come with strict requirements, lengthy processes, and potentially predatory terms. In-house financing, on the other hand, offers a more streamlined and individualized option.
According to a recent study by the National Association of Realtors, in-house financing accounted for 12% of all real estate transactions in 2023, up from just 5% in 2020. This growth can be attributed to the increasing demand for flexible, accessible financing options.
“In-house financing is the future of real estate,” Aubin predicts. “By 2030, we expect it to be the primary financing method for at least 30% of all home purchases. Anchor State will lead the way.“
The Advantages of In-House Financing
In-house financing offers quite a number of benefits over traditional lending methods. First, in-house lenders can customize loan terms to fit individual needs, considering factors beyond just credit scores. Second, the application and approval process is often faster, as it’s handled directly by the real estate company. Third, in-house financing can provide opportunities for those with less-than-perfect credit or non-traditional income sources.
“Our goal is to say ‘yes’ when banks say ‘no,’” Aubin explains. “We believe everyone deserves a chance at homeownership, and in-house financing makes that possible.“
Anchor State’s in-house financing program has already made a significant impact. In 2023, the company financed over 150 home purchases, with an average interest rate 1.5% lower than the national average. Additionally, 90% of Anchor State’s in-house borrowers reported feeling more financially secure and empowered as homeowners.
With the affordable housing crisis impacting millions of families across the country, in-house financing is one of the most powerful solutions available to the average citizen. By 2025, the U.S. housing market is projected to need an additional 2.5 million affordable homes – many of which are financially out of reach for the average American.
“The future of real estate isn’t just in the hands of major developers,” Aubin concludes. “It has to be about people, about strengthening communities, and creating a path to financial freedom. That’s what in-house financing represents, and that’s what Anchor State is all about.“
Business
MetaWorx: Building Full-Stack AI Teams, Not Just Automation

Automation still dominates most headlines, yet the returns often fail to meet expectations. A sprawling chatbot rollout might shave a few support tickets, but it rarely shifts the profit-and-loss statement in a lasting way.
McKinsey’s 2025 workplace survey pegs AI’s long-term productivity upside at $4.4 trillion, but only one percent of enterprises say they’ve reached true “AI maturity.” MetaWorx, a New York-based consultancy founded by Rachel Kite, argues that the shortfall has nothing to do with models and everything to do with people.
“Treat AI like a point solution and you’ll get point-solution results,” shares Kite. “You need a roster that can carry the ball from raw data to governance, or the whole thing stalls at the proof-of-concept phase.”
The pod blueprint
When a plug-and-play automation script collapsed under real-world data drift, costing Kite a lucrative contract, she sketched the six-person “pod” that now anchors every MetaWorx engagement:
- An infrastructure architect to tame compute costs.
- A data engineer to secure and shape pipelines.
- An applied scientist to prototype models against live feedback loops.
- An MLOps engineer to automate rollback and retraining.
- A domain product lead translates forecasts into features users actually notice.
- Ethics and compliance analysts to stress test outputs for bias and keep the audit.
The team’s first sprint still delivers a quick-win bot — “small enough to calm the CFO,” jokes Kite — but the roadmap quickly pivots to reliability, explainability, and eventually optimization. By tying every algorithmic decision to a quantifiable business metric, the pods turn AI from a science project into a growth lever.
Recruiting for curiosity, not credentials
With Bain & Company predicting a global AI-skills crunch through 2027, MetaWorx has stopped chasing unicorn résumés. Instead, it hires “adjacent athletes”: a computer-vision PhD who hops from medical imaging to warehouse surveillance, or a former journalist who recasts her nose for story into prompt-engineering finesse.
“Domain expertise expires fast,” Kite says. “What doesn’t expire is the instinct to ask better questions.” The result is a lattice of overlapping skills that stays flexible when models wander into the long tail of edge-case data.
A culture of rapid experiments
Inside MetaWorx, every idea faces the same litmus test: ship something — anything — into a user’s hands within 21 days. The “three-week rule” forces prototypes into the wild early, where failure is cheap and feedback is swift. Post-mortems, including cost overruns, are circulated company-wide, erasing any stigma associated with missteps.
That laboratory mindset powers velocity. “Our first model is almost always wrong,” Kite admits, “but version 1.0 is the tuition we pay for version 2.0.” The philosophy echoes her TEDx talk on resilience: progress is iterative, not heroic.
How leaders can steal the playbook
Executives itching to replicate MetaWorx’s results don’t need a blank check. Kite offers a five-step sequence:
- Inventory pain points, not tools: Walk the P&L line by line and tag the friction you can measure.
- Map the stack to the problem: A recommendation engine, for instance, requires behavior data, retraining triggers, and feedback capture — automation alone won’t suffice.
- Stand up a pod: Reassign existing talent into a cross-functional tiger team before hiring externally; the chemistry test is free.
- Measure the story, not just the statistic: Pair model accuracy with human-scale metrics like ticket backlog or employee churn.
- Budget for the boring: Reserve at least 30 percent of spend for MLOps and governance; Stanford’s HAI review links most AI failures to neglected upkeep.
Taken together, those steps shift AI from a pilot novelty to an operational habit that compounds value rather than topping out after an initial PR splash.
Character still scales faster than code
MetaWorx plans to double its headcount this year, yet Kite insists the secret isn’t a proprietary framework or a monster war chest. It’s credibility. Clients see a founder who has wrestled with the same outages and surprise bills they face. That authenticity converts skeptics faster than any algorithmic novelty.
“Tools level out,” Kite says. “Culture compounds.”
The insight lands in a marketplace still dazzled by generative fireworks. Yes, MetaWorx ships models and dashboards, but its true product is a mindset: resilience over rigidity, questions over credentials, experiments over edicts. In Kite’s world, automation is merely the appetizer. The main course is a full-stack team that knows why the model matters to the business and who owns its success after launch day.
And that, Kite argues, is how AI finally graduates from cost-cutter to growth engine, one curious pod at a time.
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