Home Ownership Investment
Open-knowledge reference entry
A home ownership investment is used by home purchasers to raise funds to buy real estate or by home owners to extract cash from a real estate investment. In exchange for cash, the home owner shares in some percentage of the increase and sometimes also the decrease in value of the real estate property. When the home is sold, the home owner settles by returning to the investor some amount of the proceeds from the sale based on the change in value of the real estate asset. Alternatively, the contract may have a maturity period or may provide the homeowner the option to terminate the contract at their discretion. In this case, an appraisal may be necessary to deem the price change of the asset and therefore the return to the investor.
A home ownership investment is an alternative to a mortgage. Unlike a mortgage, home ownership investments typically do not require any interest or principal payments throughout the life of the contract which can be up to 30 years. A home ownership investment is comparable to an equity investment in a company wherein the investor only acquires exposure to the change in value of the underlying asset allowing the seller of equity to raise funds by decreasing their risk exposure to the asset rather than increasing leverage.
Details
In a typical home ownership investment, a homeowner will receive 10% of the purchase value of the home in cash from an investor. In exchange, when the contract terminates, the investor will receive some percentage share in the increase or decrease of the value of the home, often between 35 and 50%, in addition to the initial investment.
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This entry incorporates text from “Home Ownership Investment” on English Wikipedia. Contributors are listed in the page history. Text is available under the Creative Commons Attribution-ShareAlike 4.0 License. Selected authority identifiers and statements are retrieved from Wikidata under CC0; their references and qualifiers remain part of the verification path.