Methods and systems for bankarizing real estate properties and increasing their yield. These methods and systems include receiving by a financial institution mortgage certificates, each mortgage certificate representing a first rank mortgage of a real estate property for the benefit of the financial institution. These mortgage certificates can be pledged by the financial institution to get loans. In exchange for the deposit of the mortgage certificates, the owners of the real estate properties get a fee from the financial institution. These methods and systems further include an agency running one or several databases, analyzing relevant information, evaluating the real estate properties object of the mortgage certificates, determining a standard value, issuing the mortgage certificates and producing reports to all parties.