Point Property — Fractional Home Equity Investment
Point Property (Point) is a US-based financial technology company that pioneered the fractional home equity investment model. Founded in 2015, Point enables homeowners to access their home equity without taking on debt, while giving investors the opportunity to invest in residential real estate through fractional equity stakes.
How Point Works
Point's home equity investment model is innovative:
- For Homeowners — Receive a cash payment in exchange for a share of your home's future value, with no monthly payments and no debt
- For Investors — Invest in fractional equity stakes of residential properties, earning returns when properties appreciate
- No Monthly Payments — Homeowners pay nothing until the property is sold or the agreement ends
- Shared Upside — Both homeowner and investor share in the property's appreciation
- Shared Risk — If the property depreciates, both parties share the loss
Investment Model
Point's investment model differs from traditional mortgages:
- Not a Loan — It's an equity investment, not debt
- No Monthly Payments — No interest or principal payments required
- Fixed Term — Agreements typically last up to 30 years
- Exit Options — Homeowner can buy back the equity stake at any time
- Property Sale — Agreement settles when the property is sold
Why Choose Point Property
- Pioneer in fractional home equity investments (founded 2015)
- Access home equity without taking on debt
- No monthly payments for homeowners
- Shared upside and shared risk model
- Investment opportunities in residential real estate
