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Real Estate verified Verified Outcome TRL 9

Equity Sharing Investment (Fintech)

domain Client: Homeowners handshake Provider: Point schedule Deploy: 2015-Present
90 Impact
Enterprise Ready
Evidence Score: 5/10
Strength: High

Executive Summary

ANALYST: COI RESEARCH

A financial product where a company invests cash into a homeowner's property in exchange for a fractional share of the home's future appreciation, creating a debt-free alternative to HELOCs.

rate_review Analyst Verdict

"Creates a new asset class: residential equity futures. It allows homeowners to 'IPO' a slice of their house to raise cash without monthly payments, while giving investors exposure to the housing market without being landlords."

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Full Audit Report Available Includes Risk Register, Technical Specs & Compliance Data.

warning The Challenge

Homeowners are often 'house rich, cash poor'. Accessing that equity usually requires taking on debt (HELOC) with monthly interest payments, which strains cash flow. Banks often reject applicants with irregular income (gig economy) even if they have substantial equity.

psychology The Solution

Point buys a fraction of the home (e.g., 10%) for an upfront cash payment. There are no monthly payments. The homeowner repays Point only when they sell the house or after a 30-year term. At that time, Point takes back its original investment plus a percentage of the home's appreciation. If the home value falls, Point shares in the loss.

settings_suggest Technical & Deployment Specs

Integrations
AVMs
Deployment Model
Financial Product
Data Classification
Financial / Property
Estimated TCO / ROI
Equity Share
POC Summary ( to )

"N/A"

shield Risk Register & Mitigation

Risk Factor Severity Mitigation Strategy
Housing Market Crash High Diversified portfolio.
Regulatory Medium Clear disclosure (non-loan status).

trending_up Impact Trajectory

Audited value realization curve

Billions in equity unlocked Verified Outcome
Primary KPISecuritization of HEI (Home Equity Investment) contracts
Audit CycleDefault rates lower than traditional unsecured debt

policy Compliance & Gov

  • Standards: Consumer Finance
  • Maturity (TRL): 9
  • Evidence Score: 5/10
  • Data Class: Financial / Property

folder_shared Verified Assets

description
Verified Case Study
PDF • Version 1
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Technical Audit
PDF • Audited
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The "Blind Verification" Protocol

How we verified these outcomes for Homeowners without exposing sensitive IP or identities.

Private
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1. Raw Evidence

Audit ID: #PRIV-641
Evidence: Direct SQL Logs
Public
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2. Verified Asset

Outcome: Verified
Ref ID: #COI-641

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