Term SheetInvestor Contribution $281,494Use of Funds Escrowed and disbursed directly to lienholders to ensure title clearanceProperty Valuation Floor 700,000.00Investor Equity Share 40% of net appreciation above valuation floor, payable at exitExit Trigger Sale, refinance, or 10-year maturity (whichever occurs first)Security Instrument Recorded HEA agreement, subordinate to primary mortgage ($306,020)Investor Position Subordinate to mortgage; senior to seller equityClosing Timeline 30–45 days from investor commitmentDue Diligence Access Full access to property disclosures, listing activity, and lien documentation.Strategic RationaleLast 12 months: ~8.68% appreciation—slightly above national averageLatest quarter: ~1.61%, which annualizes to 6.61%High Equity Potential: Estimated $281K in equity post-lien clearance.Market Momentum: Active listing with strong visibility and buyer interest.Risk Mitigation: Investor position secured by recorded agreement and valuation floor.Resulting in liens of $281,494 (investor) and $306,020 (Mortgage) is $587,514Yearly Breakdown:Year 1:Property Value: $700,000 × 1.06 = $742,000Net Appreciation: $742,000 - $700,000 = $42,000Investor's Share: $42,000 × 0.40 = $16,800Year 2:Property Value: $742,000 × 1.06 = $786,520Net Appreciation: $786,520 - $700,000 = $86,520Investor's Share: $86,520 × 0.40 = $34,608Year 3:Property Value: $786,520 × 1.06 = $833,711.20Net Appreciation: $833,711.20 - $700,000 = $133,711.20Investor's Share: $133,711.20 × 0.40 = $53,484.48Year 4:Property Value: $833,711.20 × 1.06 = $883,733.87Net Appreciation: $883,733.87 - $700,000 = $183,733.87Investor's Share: $183,733.87 × 0.40 = $73,493.55Year 5:Property Value: $883,733.87 × 1.06 = $936,757.90Net Appreciation: $936,757.90 - $700,000 = $236,757.90Investor's Share: $236,757.90 × 0.40 = $94,703.16Year 6:Property Value: $936,757.90 × 1.06 = $992,963.37Net Appreciation: $992,963.37 - $700,000 = $292,963.37Investor's Share: $292,963.37 × 0.40 = $117,185.35Year 7:Property Value: $992,963.37 × 1.06 = $1,052,541.18Net Appreciation: $1,052,541.18 - $700,000 = $352,541.18Investor's Share: $352,541.18 × 0.40 = $141,016.47Year 8:Property Value: $1,052,541.18 × 1.06 = $1,115,693.65Net Appreciation: $1,115,693.65 - $700,000 = $415,693.65Investor's Share: $415,693.65 × 0.40 = $166,277.46Year 9:Property Value: $1,115,693.65 × 1.06 = $1,182,635.27Net Appreciation: $1,182,635.27 - $700,000 = $482,635.27Investor's Share: $482,635.27 × 0.40 = $193,054.11Year 10:Property Value: $1,182,635.27 × 1.06 = $1,253,593.39Net Appreciation: $1,253,593.39 - $700,000 = $553,593.39Investor's Share: $553,593.39 × 0.40 = $221,437.36

Quote from @Rene Hosman: Hi everyone,I’m Rene, Community Manager here at BiggerPockets — and I’m excited to share a unique opportunity to directly impact what our team builds next for the millions of investors in our community!

So far, that hasn't been a problem, but I am wondering if anyone has experience dealing with this strategy and shared housing regulations.For example, in my talks with Evanston, IL, I've been told that while renting 3 or 4 rooms would fall under a traditional rental license, anything more would be treated as shared housing.

This makes it a lot more accessible for people who don’t have full cash on hand but want to lock in equity early.I’ve partnered closely with a local developer who’s become a good friend and guide, and I’m now starting to help others from the U.S. explore options for low-barrier, high-upside real estate investments — especially those priced out of markets like LA or Denver, but still looking to build equity and cash flow.If you’re curious about investing in Mexico — or wondering how to start, avoid pitfalls, or compare it to U.S. real estate — I’m happy to share what I’ve learned.

I think the simplest way to say this is with a commission sharing modelyou have to go through more leads than with just paying up front.Usually when it's commission sharing leads there's less of a vetting process,brand credibility, trust, and ease of conversation going into the lead.As long as the company is a viable one with a great reputation,there should be no issue taking a chance on paying for leads up front.Another question in mind is what's your confidence level when speaking with leads?

I’m exploring alternatives to traditional financing (HELOC, cash-out refi, etc.) and came across shared appreciation agreements (SAAs).

Quote from @Joseph Jovel: I would also suggest that in the next lease renewal you put some rules in there about the shared space (I.e. if working on a project, tools can only be left for a week then need to be picked up or there will be a violation).

Life, unfortunately has dealt her a hand that she does not deserve and has been put in a most unfair position by her evil mother. 

Hey everyone, wanted to share a recent experience and get your thoughts because I’m very frustrated with how one-sided Airbnb feels when it comes to guest vs. host protection.I had a group stay 4 nights at one of my STRs.

Guests can opt out of sharing that information now.