Looking for an Investor Partner Irvine, CA Home Purchase

[Account Closed]

Hi everyone

I’m exploring a creative home buying strategy and looking for the right investor to partner with me. I’m looking to establish equity and purchase my family a home in the neighborhood we’ve been renting in for the past 7 years. We’ve been trying to save, but the rapid explosion of home prices has made it much more difficult. Especially in this market.

I’m looking to purchase a $1.5M–$1.8M family home in Irvine, CA and I’m looking for an investor to contribute $500-$750k toward the purchase. In return, I’m offering:

Lien-secured investment (not co-ownership)

1% annual fixed return on the investment

10–20% share of future home appreciation (paid out upon sale or refinance)

Principal returned at exit (sale or refi)

I’ll be contributing $500K of my own funds and taking out a mortgage on the remaining balance. I’ll be the sole homeowner and mortgage holder and will occupy the property with my family of 4. The investor is secured through a formal lien and would receive passive income and a long-term upside, without day-to-day involvement.

This structure gives the investor a low-risk, asset-backed return with a solid appreciation play in one of the most desirable markets in Southern California.

If you’re interested or know someone who might be, I’d love to connect and share details.

Thanks in advance!

-Jonathan 

edit: I've gotten a few comments about this and I'm of course opening to suggestions of how this can be more enticing to an investor. My ultimate goal is to find a creative solution to purchase a family home in the neighborhood we've lived in for the past 7 years with neighbors and schools that we love.

[Eric Gerakos]

Hilarious. You’re offering a “1% annual fixed return.” Then only “10-20% of future appreciation.” You’re basically asking someone to buy you a $1.5M home for free. That’s a creative strategy all right.