Split Equity Program
Split Equity Program
Sell Your Home Without Sacrificing Equity
Our Split Equity Program is designed for homeowners who want to access their home’s value now — while still benefiting from its future upside.
Instead of accepting a discounted cash offer or going through the headaches of listing, we offer a hybrid approach: part cash now, part income later — all backed by legal protections and real estate strategy.
How It Works
You receive a large lump sum at closing — typically 40–50% of the full purchase price.
The remaining balance is carried by you as a secure note (like a mortgage), with monthly income and a balloon payout in 5–10 years.
We take over the property — handle maintenance, renovations, or tenanting — and you receive guaranteed payments.
Your income is protected by a recorded lien (Deed of Trust) and Promissory Note.
Why Sellers Love This Program
Get very close to your asking price
Large cash payment up front
Monthly passive income over 5–10 years
Final balloon payment guarantees full payout
No commissions, showings, or repair costs
Tax-deferred structure to reduce one-time capital gains
Example Scenario
Appraised Value: $1,250,000
Agreed Purchase Price: $910,899
Cash at Closing: $455,449.50
Monthly Income: $2,518.39
Final Balloon Payment (Year 10): ~$371,851.80
Secured Position: You hold a 2nd lien on the property
Total Received: $910,899 over time — very close to full value
Frequently Asked Questions
Q: Am I really getting full value?
A: Yes. You are receiving very close to your asking price — just split between a large up-front payment and monthly income. No agent fees, no repair costs, and no delays.
Q: How do I know I’ll get paid the rest?
A: Your remaining balance is secured by a legally binding Promissory Note and Deed of Trust recorded against the property. This is the same protection a bank has when giving a loan.
Q: What if they sell or refinance before the balloon date?
A: You get paid off immediately — the remaining balance becomes due in full if the property is sold or refinanced.
Q: What happens if payments stop?
A: You have full foreclosure rights — just like a traditional lender. The note is enforceable through the courts and recorded with the county.
Q: Can I structure this through my trust, LLC, or estate plan?
A: Yes. We work with your CPA or attorney to make sure the agreement aligns with your long-term goals, including trusts, inheritances, or business protections.
Q: Do I pay taxes on the full sale now?
A: No. You only pay taxes on the payments you receive each year. This is often a more tax-efficient strategy compared to receiving all the sale proceeds up front.
Q: Is this the same as owner financing?
A: Yes — it’s a form of seller financing, but structured so you still walk away with cash now, not just a promissory note.
Q: Why not just list with an agent?
A: You absolutely can — but many sellers prefer this program because it’s private, fast, and gets them more money than investor cash offers without the stress of repairs, showings, or commissions.
Q: Who handles the paperwork and closing?
A: We provide professionally prepared documents and cover all title and escrow costs. You’re welcome to have your own attorney review everything before signing.
Q: Can I speak with someone to walk me through this?
A: Yes — we’d be happy to set up a quick call or meeting. You’ll get full clarity with no pressure.
Ready to Explore the Split Equity Program?
We’ll show you how to get cash now, monthly income, and full value — without the hassle of traditional selling. Schedule a no-obligation call to see if your home qualifies.