Disclosed herein are methods of selling or leasing real estate within a computer-based membership club, comprising the steps of : a) establishing a real estate membership club on a website on a computer-based network, wherein the membership club comprises at least one customer member, at least two owner members, and optionally at least one credit evaluation entity; b) on the website, accepting a real estate application package from the customer member; c) on the website, providing access to the real estate application package to the at least two owner members; d) on the website, accepting a bid from each of the owner members; e) on the website, providing access to the bids to the customer member; f) on the website, accepting the customer member' s selection of the offer bid and g) on the website, completing and closing the sale or lease transaction.