Calculator

Home Equity Investment Calculator

Home share investments allow you to get money, without paying any monthly rate. In exchange, you share a small portion of the appreciation. Use our Home Share Calculator to compare lenders and get the best ROI.

"Home Value" is what your home is currently worth. You can check Zillow or Redfin to get an estimate.
This is the total amount of cash you need to finance your ADU.
"Yearly Appreciation" is the amount your home price increases. This number can also be negative (called depreciation).
The "Payback Date" is when you plan to buy out the investor. This often happens with a refinance or a home sale.
Year
15
Home Price
$1,930,000
60% increase

Comparison

Best ranked lenders and ROI for your project

This is the amount that you own of your home.
$134,000
Hometap's Share
This is the amount of your home value that you share with the investor.
$326,000
Get started with Hometap →
This is the amount that you own of your home.
$134,000
Unlock's Share
This is the amount of your home value that you share with the investor.
$326,000
Get started with Unlock →
This is the amount that you own of your home.
$134,000
Splitero's Share
This is the amount of your home value that you share with the investor.
$326,000
Get started with Splitero →
This is the amount that you own of your home.
$134,000
Point's Share
This is the amount of your home value that you share with the investor.
$326,000
Get started with Point →
This is the amount that you own of your home.
$134,000
Unison's Share
This is the amount of your home value that you share with the investor.
$326,000
Get started with Unison →

Need help getting started?

Select a lender to get started with financing. You can get as many quotes as you'd like.

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Side-by-side comparison

Get a deeper look and compare the top Home Share lenders side-by-side

Max Amount
This is the total investment .amount (cash you get).
Share Type
Appreciation Share is the amount of value your house grows after the investment. Home Share is a share in the entire home.
Loan-to-value
LTV is a ratio of your mortgage (the "L" in LTV) with the appraised value of the property (the "V").
Term
This is the settlement date, or when you have to buy out the investor.
Risk Adjustment
Lenders will add this to offset risk. If your home is worth $100k, a 3% risk adjustment would value it as $97k.
Share in ADU
Some lenders won't share in home improvements, since it increases the home value.
States
The states that these lenders serve.
30% of home value (capped at $600k)
Home Share
75%
OTV
10 years
None
Yes
18

Arizona
California
Florida
Maryland
Massachusetts
Michigan
Minnesota
Nevada
New Jersey
New York
North Carolina
Ohio
Oregon
Pennsylvania
South Carolina
Utah
Virginia
Washington

43.75% of home value (capped at $500k)
Home Share
85%
OTV
10 years
None
No
15

Arizona
California
Colorado
Florida
Michigan
Minnesota
North Carolina
New Jersey
Nevada
Oregon
South Carolina
Tennessee
Utah
Virginia
Washington

41% of home value (capped at $500k)
Appreciation Share
85%
OTV
30 years
12% - 18%
No
1

California

22.5% of home value (capped at $500k)
Appreciation Share
80%
OTV
30 years
15% to 20%
No
17

Arizona
California
Colorado
Florida
Illinois
Maryland
Massachusetts
Michigan
Minnesota
New Jersey
New York
North Carolina
Ohio
Oregon
Pennsylvania
Virginia
Washington
Washington DC

17.5% of home value (capped at $500k)
Appreciation Share
75%
OTV
30 years
3%
No
29

Arizona
California
Colorado
Delaware
Florida
Illinois
Indiana
Kansas
Kentucky
Massachusetts
Michigan
Minnesota
Missouri
Nevada
New Jersey
New Mexico
New York
North Carolina
Ohio
Oregon
Pennsylvania
Rhode Island
South Carolina
Tennessee
Utah
Virginia
Washington
District of Columbia / Washington D.C.
Wisconsin

Overview

What’s a Rich Text element?

The rich text element allows you to create and format headings, paragraphs, blockquotes, images, and video all in one place instead of having to add and format them individually. Just double-click and easily create content.

Static and dynamic content editing

A rich text element can be used with static or dynamic content. For static content, just drop it into any page and begin editing. For dynamic content, add a rich text field to any collection and then connect a rich text element to that field in the settings panel. Voila!

How to customize formatting for each rich text

Headings, paragraphs, blockquotes, figures, images, and figure captions can all be styled after a class is added to the rich text element using the "When inside of" nested selector system.

Number of ADUs Allowed

This is some text inside of a div block.

Size of ADU Allowed

This is some text inside of a div block.

Types of ADUs Allowed

This is some text inside of a div block.
Detached, Junior, Attached

Permit Cost

Coming Soon

Number of ADUs allowed

What’s a Rich Text element?

The rich text element allows you to create and format headings, paragraphs, blockquotes, images, and video all in one place instead of having to add and format them individually. Just double-click and easily create content.

Static and dynamic content editing

A rich text element can be used with static or dynamic content. For static content, just drop it into any page and begin editing. For dynamic content, add a rich text field to any collection and then connect a rich text element to that field in the settings panel. Voila!

How to customize formatting for each rich text

Headings, paragraphs, blockquotes, figures, images, and figure captions can all be styled after a class is added to the rich text element using the "When inside of" nested selector system.

Property Requirements

What’s a Rich Text element?

The rich text element allows you to create and format headings, paragraphs, blockquotes, images, and video all in one place instead of having to add and format them individually. Just double-click and easily create content.

Static and dynamic content editing

A rich text element can be used with static or dynamic content. For static content, just drop it into any page and begin editing. For dynamic content, add a rich text field to any collection and then connect a rich text element to that field in the settings panel. Voila!

How to customize formatting for each rich text

Headings, paragraphs, blockquotes, figures, images, and figure captions can all be styled after a class is added to the rich text element using the "When inside of" nested selector system.

Types of ADUs Allowed

Attached ADU

An attached ADU is one that is attached to your house. Also know as Addition ADUs or “bump-out ADUs. These types of ADUs can be accessed from the primary house with a door in the connection point, but also can be independent of the main home.

Dettached ADU

A detached ADU is not connected to your primary house. The dwelling needs to be within your property setbacks and allowable building size (both height and square footage).

Junior ADU

Junior Accessory Dwelling Units (JADUs) are named this way because they are small (up to 500 square feet).

In California, the recent state bills AB68 and AB 881 permits both an ADU and a Junior ADU (JADU) on the same lot with a proposed or existing single-family dwelling. This means you can have two units on your lot: ADU, and JADU.

Property Requirements

Ownership

What’s a Rich Text element?

The rich text element allows you to create and format headings, paragraphs, blockquotes, images, and video all in one place instead of having to add and format them individually. Just double-click and easily create content.

Static and dynamic content editing

A rich text element can be used with static or dynamic content. For static content, just drop it into any page and begin editing. For dynamic content, add a rich text field to any collection and then connect a rich text element to that field in the settings panel. Voila!

How to customize formatting for each rich text

Headings, paragraphs, blockquotes, figures, images, and figure captions can all be styled after a class is added to the rich text element using the "When inside of" nested selector system.

Number of ADUs Allowed

What’s a Rich Text element?

The rich text element allows you to create and format headings, paragraphs, blockquotes, images, and video all in one place instead of having to add and format them individually. Just double-click and easily create content.

Static and dynamic content editing

A rich text element can be used with static or dynamic content. For static content, just drop it into any page and begin editing. For dynamic content, add a rich text field to any collection and then connect a rich text element to that field in the settings panel. Voila!

How to customize formatting for each rich text

Headings, paragraphs, blockquotes, figures, images, and figure captions can all be styled after a class is added to the rich text element using the "When inside of" nested selector system.

ADU Size

What’s a Rich Text element?

The rich text element allows you to create and format headings, paragraphs, blockquotes, images, and video all in one place instead of having to add and format them individually. Just double-click and easily create content.

Static and dynamic content editing

A rich text element can be used with static or dynamic content. For static content, just drop it into any page and begin editing. For dynamic content, add a rich text field to any collection and then connect a rich text element to that field in the settings panel. Voila!

How to customize formatting for each rich text

Headings, paragraphs, blockquotes, figures, images, and figure captions can all be styled after a class is added to the rich text element using the "When inside of" nested selector system.

Parking

What’s a Rich Text element?

The rich text element allows you to create and format headings, paragraphs, blockquotes, images, and video all in one place instead of having to add and format them individually. Just double-click and easily create content.

Static and dynamic content editing

A rich text element can be used with static or dynamic content. For static content, just drop it into any page and begin editing. For dynamic content, add a rich text field to any collection and then connect a rich text element to that field in the settings panel. Voila!

How to customize formatting for each rich text

Headings, paragraphs, blockquotes, figures, images, and figure captions can all be styled after a class is added to the rich text element using the "When inside of" nested selector system.

Height

What’s a Rich Text element?

The rich text element allows you to create and format headings, paragraphs, blockquotes, images, and video all in one place instead of having to add and format them individually. Just double-click and easily create content.

Static and dynamic content editing

A rich text element can be used with static or dynamic content. For static content, just drop it into any page and begin editing. For dynamic content, add a rich text field to any collection and then connect a rich text element to that field in the settings panel. Voila!

How to customize formatting for each rich text

Headings, paragraphs, blockquotes, figures, images, and figure captions can all be styled after a class is added to the rich text element using the "When inside of" nested selector system.

Fire Safety

What’s a Rich Text element?

The rich text element allows you to create and format headings, paragraphs, blockquotes, images, and video all in one place instead of having to add and format them individually. Just double-click and easily create content.

Static and dynamic content editing

A rich text element can be used with static or dynamic content. For static content, just drop it into any page and begin editing. For dynamic content, add a rich text field to any collection and then connect a rich text element to that field in the settings panel. Voila!

How to customize formatting for each rich text

Headings, paragraphs, blockquotes, figures, images, and figure captions can all be styled after a class is added to the rich text element using the "When inside of" nested selector system.

Utility Connections

What’s a Rich Text element?

The rich text element allows you to create and format headings, paragraphs, blockquotes, images, and video all in one place instead of having to add and format them individually. Just double-click and easily create content.

Static and dynamic content editing

A rich text element can be used with static or dynamic content. For static content, just drop it into any page and begin editing. For dynamic content, add a rich text field to any collection and then connect a rich text element to that field in the settings panel. Voila!

How to customize formatting for each rich text

Headings, paragraphs, blockquotes, figures, images, and figure captions can all be styled after a class is added to the rich text element using the "When inside of" nested selector system.

Aesthetic

What’s a Rich Text element?

The rich text element allows you to create and format headings, paragraphs, blockquotes, images, and video all in one place instead of having to add and format them individually. Just double-click and easily create content.

Static and dynamic content editing

A rich text element can be used with static or dynamic content. For static content, just drop it into any page and begin editing. For dynamic content, add a rich text field to any collection and then connect a rich text element to that field in the settings panel. Voila!

How to customize formatting for each rich text

Headings, paragraphs, blockquotes, figures, images, and figure captions can all be styled after a class is added to the rich text element using the "When inside of" nested selector system.

Set backs

What’s a Rich Text element?

The rich text element allows you to create and format headings, paragraphs, blockquotes, images, and video all in one place instead of having to add and format them individually. Just double-click and easily create content.

Static and dynamic content editing

A rich text element can be used with static or dynamic content. For static content, just drop it into any page and begin editing. For dynamic content, add a rich text field to any collection and then connect a rich text element to that field in the settings panel. Voila!

How to customize formatting for each rich text

Headings, paragraphs, blockquotes, figures, images, and figure captions can all be styled after a class is added to the rich text element using the "When inside of" nested selector system.

Design Review

What’s a Rich Text element?

The rich text element allows you to create and format headings, paragraphs, blockquotes, images, and video all in one place instead of having to add and format them individually. Just double-click and easily create content.

Static and dynamic content editing

A rich text element can be used with static or dynamic content. For static content, just drop it into any page and begin editing. For dynamic content, add a rich text field to any collection and then connect a rich text element to that field in the settings panel. Voila!

How to customize formatting for each rich text

Headings, paragraphs, blockquotes, figures, images, and figure captions can all be styled after a class is added to the rich text element using the "When inside of" nested selector system.

Next Steps

To get started on your ADU, here are some first steps.

Call Your City

Search Google for your city’s contact number. eg “City of {Phoenix} Residential Permits Contact Number”

You can call the main line and get directed to the permitting department.

Ask these questions...

1) Can I put a secondary home on my lot (Accessory Dwelling Unit)?
2) What are my livable setbacks, and ADU size regulations?
3) Can I put a prefabricated guest house on my property?