Shared-home-appreciation

Own your home. Build your ownership. Debt-free.

Acre buys the home with cash. You hold a 5% Value Share, build ownership from day one, and choose to buy, transfer, or cash out in three to five years. Now in Raleigh-Durham.

See your numbers How Acre works

No closing costs. No selling commission. No loan.

A real Acre home

Upfront, on a typical $425K home

$21,250

5% Value Share in, not 20% down plus closing costs

The third way

It's not a mortgage. It's not renting. It's Acre.

The home's appreciation, without the round-trip costs. Here's the same five years, three ways.

Renting

You build nothing, and you still pay.

Upfront: First, last, deposit
While you live there: Rent goes up. Nothing builds.
When you leave: You walk away with nothing

A mortgage

You pay on both ends.

Upfront: 20% down + closing costs
While you live there: Mostly interest in the early years
When you leave: Commissions and sale costs eat your gains

Acre

Zero on both ends.

Upfront: 5% Value Share. No closing costs.
While you live there: One monthly payment. Your Value Share moves with the home.
When you leave: Buy, transfer, or cash out. No sale costs.

Why it adds up

Built for how people actually move

~30%

of American homeowners move within five years

The buy-and-sell costs at each end eat the gains a short stay produces. Acre charges neither end.

in, not 20%

Your Value Share is yours from day one and moves with the home's value. The rest of your cash stays yours.

All-cash

offer in your name

Acre buys the home with cash on your behalf: a stronger offer in a competitive market, closing in as little as days.

Who it's for

Find the math for your situation

You know the buy-and-sell tax

You've bought and sold before, and you remember what the round trip cost.

Compare the math →

The next house isn't the last one

Most people stay under seven years. They borrow for thirty. Acre runs three to five.

See your numbers →

New city, real way out

Own from day one in a place you just got to, with exit options you can see upfront.

Plan your move →

Income that doesn't fit the form

Founder, RSUs, 1099, lumpy years. Acre underwrites the home, not the W-2.

See if you qualify →

It's not a mortgage. It's not renting. It's Acre.

Not a mortgage

No loan, no rate, no 30-year amortization.

Not rent-to-own

Your Value Share is yours from day one, not a savings account that can be forfeited.

Not a sale-leaseback

Acre buys a home for you to live in, not from someone who already does.

Not an HEI (home-equity investment)

Acre is for buyers acquiring a home, not for owners cashing out of one.

Questions

The things people ask first

Who owns the home?

Acre buys the home all-cash and holds title during your term. You hold a 5% Value Share that grows with the home's value, and you live there as the resident with the right to buy at term end.

What do I pay monthly?

One monthly payment, set when you sign, so you can compare it directly against rent or a mortgage payment before you commit. Acre offers two monthly plans (Acre Saver and Acre Boost); your advisor walks you through both and which fits your situation.

What happens after 3 to 5 years?

You choose: buy the home, transfer your Value Share to another Acre home, or cash out and walk away with your share of the appreciation.

What if the market drops?

You're protected from the downside: you are never underwater, even in a down market. Any projected appreciation we show is illustrative, not guaranteed.

How is this different from the 2008-era products?

No loan is originated, so there's no rate reset, no balloon payment, and no foreclosure mechanism. Acre buys the home outright with cash, you put in 5%, not zero, and your exit options are written into the agreement from day one.

See whether Acre beats your other options

Five minutes of questions. No credit impact. Real numbers for Raleigh-Durham at the end.

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