FAQ
Frequently Asked Questions
Clear answers to common questions. If you don't find what you're looking for, our team is here to help.
The Basics
A contract where the owner gives the investor rights to a share of future property appreciation for an upfront payment.
No, it is not a loan, financing agreement, or security.
The Optionor (you) retains full ownership and responsibility.
Up to $10,000 Option Premium, depending on the value of the home.
Process
15% of appreciation based on the S&P/Case-Shiller Index or the homes value at the time the Option is triggered
No, it is based on index value change, not market sale price.
Fees are not paid out of pocket but added to the final payoff - $200 Admin Fee, $50 Valuation Fee, $275 Recording Fee.
Up to 10 years from the Effective Date, Payoff at any time after the first year with no penalty.
Eligibility
Upon sale, breach, or within 90 days before the 10-year term ends.
Agreement terminates, and Memorandum of Option is released.
Early Termination Charge applies (greater of set formula or appreciation share).
Defaulting on mortgage, unpaid taxes, unauthorized transfers, foreclosure, bankruptcy, death of Optionor (you) etc.
Money & Terms
Yes, once every 6 months with 24-hour notice.
Yes, through a Memorandum of Option.
Yes, without Optionor's (your) consent.
No, not without Optionee's (Our) written consent.
After Funding
Optionee (We) selects a similar index and adjusts calculations.
Comparable sales data minus any deferred maintenance
No, Optionor (you) is responsible for all expenses.
Yes, legal, tax, and financial counsel is strongly recommended.
Is PREESH right for you?
A quick guide to help you decide if this option fits your situation.
✓ Good fit if:
- ✓ You need cash without taking on debt
- ✓ You want to avoid monthly payments
- ✓ You plan to stay in your home long-term
- ✓ You have significant equity in your home
- ✓ You want flexible repayment terms
- ✓ You value simplicity and transparency
⚠ Consider alternatives if:
- ● You plan to sell your home soon
- ● You need a very large amount of cash
- ● You prefer traditional loan structures
- ● You have very low equity in your home
- ● You want to keep 100% of future appreciation
- ● You need funding within 24 hours
Not sure? Our team can help you explore your options.
Schedule a call