Sell a slice of future appreciation for cash today — no monthly payments.
HEI providers give homeowners a lump sum (typically 10–20% of home value) in exchange for a share of future appreciation (or depreciation) on exit or a 10-year buyback. Unlike a HELOC, there are NO monthly payments and NO interest charges. Useful when DTI is stretched, credit is weak, or cash-flow can't support debt service. Trade-off: you cap upside.
Click Generate advisory deep dive for mechanics, IRC citations, a step-by-step execution plan, a worked numeric example on your profile, costs, risks, and this-week actions.
Buy a $1M–$5M business with 10% down, 10-yr amortization.
10% down, 20–25 yr fixed for owner-occupied real estate.
Owner becomes the bank — negotiate rate, term, and structure.
Tap home equity to fund higher-yield investments.
Borrow against your stock portfolio without selling.
Speed capital for flips, bridges, and value-add plays.
Rental loans qualified on property cash flow, not personal DTI.
Raise from LPs to acquire larger assets you couldn't alone.