Home Cap Share

FAQ

Frequently Asked Questions

A contract where the owner gives the investor rights to a share of future property appreciation for an upfront payment.

No, it is not a loan, financing agreement, or security.

The Optionor (you) retains full ownership and responsibility.

Up to $10,000 Option Premium, depending on the value of the home.

15% of appreciation based on the S&P/Case-Shiller Index or the homes value at the time the Option is triggered

No, it is based on index value change, not market sale price.

Fees are not paid out of pocket but added to the final payoff - $200 Admin Fee, $50 Valuation Fee, $275 Recording Fee.

Up to 10 years from the Effective Date, Payoff at any time after the first year with no penalty.

Upon sale, breach, or within 90 days before the 10-year term ends.

Agreement terminates, and Memorandum of Option is released.

Early Termination Charge applies (greater of set formula or appreciation share).

Defaulting on mortgage, unpaid taxes, unauthorized transfers, foreclosure, bankruptcy, death of Optionor (you) etc.

Yes, once every 6 months with 24-hour notice.

Yes, through a Memorandum of Option.

Yes, without Optionor's (your) consent.

No, not without Optionee's (Our) written consent.

Optionee (We) selects a similar index and adjusts calculations.

Comparable sales data minus any deferred maintenence

No, Optionor (you) is responsible for all expenses.

Yes, legal, tax, and financial counsel is strongly recommended.

Important Disclaimers

Equal Opportunity: HomeCapShare services are available to all homeowners regardless of race, color, national origin, religion, sex, familial status, disability, age, sexual orientation, or gender identity.

Not a Lender: HomeCapShare is not a lender, bank, or financial institution. We do not offer loans, interest, or monthly payments. This is not a loan, mortgage, or credit service.

Investment Notice: All investments are subject to homeowner eligibility and approval. Past performance does not guarantee future results.

FAQ

Important Disclaimers

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FAQ

What is a Property Appreciation Option Agreement and how does it work?

Is this considered a loan or a mortgage?

Who owns the property under this agreement?

How much does the Optionee pay the property owner upfront?

What portion of appreciation does the Optionee receive?

Is the appreciation based on the actual sale price?

Are there any fees I need to pay?

How long does the agreement last?

When can the Optionee exercise the option?

What happens if the Optionee does not exercise the option?

What happens if the owner sells the property within the first year?

What is considered a breach of the agreement?

Can the Optionee inspect the property?

Is this agreement recorded in public records?

Can the Optionee assign or transfer their rights?

Can the Optionor assign or sell the agreement?

What happens if the Index becomes unavailable?

How is the Initial Property Value determined?

Is the Optionee responsible for any property expenses?

Do I need legal or financial advice before signing this agreement?

Important Disclaimers

👋 Welcome! Please provide your contact information to get started.

📞 Request a Phone Call