If You Can Securitize the Debt, You Can Securitize the Asset: Op-Ed by Malik Samara

There is a certain beauty in business when it is built with intention.

The numbers are only part of the story. The real elegance comes from structure, from systems that align people, capital, and outcomes. When it is done right, business feels like design. Measured, balanced, and quietly powerful.

That is where the seduction of securitization begins.

Wall Street has spent decades perfecting how to package, rate, and trade real estate debt. From subprime mortgages to commercial loan portfolios, the financial world has built an entire ecosystem around the risk of nonpayment.

But what about the property itself?

If you can securitize the debt tied to a commercial building, why not securitize the building itself? The structure, the land, the rental income.

We live in a world where liabilities trade in milliseconds, while the asset remains locked in systems built for institutions and insiders.

This is where the opportunity lies.

The future of real estate is liquid.

Imagine owning a share of a commercial property in San Antonio.

A stake in a redevelopment project in Dallas.

Exposure to a rising neighborhood before it breaks out.

Not through a REIT or a bundled fund, but through a direct and transparent position in the asset itself. Tradable, trackable, and accountable to those who hold it.

Just as shareholders in a public company vote on leadership and strategic direction, owners in a real estate securities exchange should vote on property management, capital improvements, and the path forward.

Ownership should come with a seat at the table.

This is not about crypto.

It is not about tokens.

It is about structure and precision.

We already have the math.

We already have the platforms.

What we need is a real estate market that moves with the same clarity and velocity as public equities.

Securitizing the asset makes commercial real estate more accessible, more efficient, and more participatory.

It gives developers faster access to capital.

It gives communities faster paths to revitalization.

And it allows everyday people to own a share of the world around them.

Wall Street proved it could securitize debt.

Now it is time to securitize the asset.

Let us build a system where buildings can be owned, traded, and governed with the same standards we apply to any other financial instrument.

Let us open real estate to more people, more flexibility, and more alignment with those who believe in its long-term value.

Because if you can securitize the debt

you can securitize the asset.

And that changes everything.

Malik Samara

Founder, Hard Hat Real Estate

San Antonio, Texas

Contact Info: 

(210)-857-3040

malik@hardhatrealestate.com