Methods and systems for bankarizing real estate properties and increasing their yield include a plurality of real estate properties, each real estate property being owned by a respective owner; at least one evaluation computer performing operations comprising : determining, for each of the real estate properties, a real estate property standard value less than a respective fair market value; storing the real estate property standard value; and a plurality of financial institutions. The methods and systems include each financial institution having a respective financial institution computer, and borrowing money from lenders, provided that the financial institution provides guarantees to the lenders; an owner of a real estate property having a certificate based on the real estate property standard value of the real estate property; and a certificate deposited the owner, for the benefit of a financial institution.