Self-Financed Real Estate Growth Models For Sustainable Development

Abstract

This study investigates the role of self-financed real estate growth models in promoting sustainable urban development through the integration of economic, environmental, and social dimensions. Employing a mixed-method research design, data were collected from 45 real estate projects across Hyderabad, Bengaluru, and Pune comprising both self-financed and conventionally financed developments. Quantitative analysis using correlation, regression, Principal Component Analysis (PCA), and cluster analysis revealed that self-financed projects exhibit superior sustainability performance, with significantly higher Self-Financed Sustainable Development Index (SFSI) scores compared to conventionally financed projects. Key drivers of sustainability identified include internal reinvestment, pre-sale funding efficiency, and community-based financing participation. Furthermore, qualitative insights emphasized that financial independence, reinvestment strategies, and stakeholder involvement enhance long-term project viability while reducing environmental impact. The findings suggest that self-financed models represent a transformative mechanism for achieving the Sustainable Development Goals (SDGs) by fostering inclusive growth, resource efficiency, and resilience in urban infrastructure. Policymakers are encouraged to incentivize self-financing mechanisms and community-driven investment models to ensure sustainable real estate development in emerging economies.