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Equity Co-Ownership vs Point

Name: Beeline Equity Now
Brand: Beeline Equity Now

Beeline Equity Now and Point both let you access cash from your home without monthly payments. But they're structurally different products — Beeline is a fractional sale of equity recorded on the deed, while Point is a contractual home equity investment. The difference shapes how cost is calculated, how appreciation is shared, and what sits on your title until exit.

This page compares the two products honestly. Beeline Equity Now is our product. Point is the longest-running home equity investment (HEI) provider in the US — founded in 2015, with over 20,000 homeowners funded — and they have a genuinely homeowner-friendly product structure compared to many of their competitors.

For some homeowners, Point is the right answer. For others, Beeline's structural differences make it a better fit. This page is built to help you tell which one is yours.

The provider

What is Point?

Point is a home equity investment (HEI) provider founded in 2015. They give you a lump sum of cash today in exchange for a contractual right to a share of your home's appreciation, settled when you sell, refinance, or buy back the agreement. Their structure is a contract, not a sale — Point holds a deed of trust (a lien) on your property, but they're not on the deed as an owner.

Point's structure has two homeowner-friendly features that distinguish them from many HEI competitors. Appreciation-only sharing: Point shares only in appreciation above a starting value — not in the home's full future value. They describe this as "protecting your home equity nest egg." However, they apply a 27% risk adjustment to your home's value at origination, which means the "starting value" Point uses for appreciation calculations is roughly 27% below your home's actual current value. So while the framing is "appreciation only," the risk adjustment significantly increases the effective amount you'll owe.

Homeowner Protection Cap: Point caps the total amount you can owe at exit, which protects you in fast-appreciation scenarios.

Point offers funding ranges of $30K–$600K (up to 20% of home value), 30-year terms, no prepayment penalties, a 3.9% processing fee (minimum $2,000), and a 500+ credit score minimum with 20–40% equity required.

The new category

What is Beeline Equity Now?

Beeline Equity Now is a Home Equity Co-Ownership product — a different category from an HEI. We don't lend you money or sign a contract for a future claim. Instead, we buy a real fractional share of your home's equity, recorded on the deed alongside you. We become a minority co-owner. Your share remains the majority; you control how the home is lived in, maintained, and eventually sold.

Funding ranges from $50K–$200K, typically lands in your account within ~10 days, and qualification is based primarily on the equity in your home rather than full income and credit underwriting. There's no maturity date — you can buy our share back within the first 5 years (with a 2.5% exit fee against a defined floor), or settle when the home is eventually sold.

Point is a contract that gives them a future claim on your home's appreciation. Beeline Equity Now is a sale that makes us a real co-owner today.

Side by side

How they compare.

Beeline

Equity Co-Ownership

HEI provider

Point

Legal structure

Fractional sale of equity, recorded on the deed

Option contract, secured by a lien (deed of trust)

On the deed?

Yes — minority co-owner

No — lienholder

Monthly payments

None

What happens at exit

Sale proceeds split pro-rata based on each party's share

You pay back the original investment plus Point's share of appreciation above the risk-adjusted starting value

Funding range

$50K–$200K

$30K–$600K

Origination fee

8.5%

3.9% (minimum $2,000)

Time to fund

~10 days

~3 weeks minimum

Equity required

Light qualification

20–40% minimum equity

Credit score

Light qualification

500+

Term length

Open-ended; buy back within 5 years or settle on sale

Up to 30 years

Risk adjustment at start

None — partner buys at home's actual value, with a 20% minority discount on the slice purchased

27% risk adjustment applied to home's starting value

Cap on cost

None — pro-rata sharing means partner's share rises and falls with home's value

Homeowner Protection Cap (calculated annually)

Downside sharing

Pro-rata — partner's share rises and falls with home value

Point shares in depreciation below the starting value

States available

Confirm with your Equity Guide

~7 states for HEI per recent review

Track record

Newer category

20,000+ homeowners funded since 2015

What to weigh

Three differences that matter most.

Are they on the deed, or do they hold a lien?

This is the foundational structural difference, and it's where the products diverge most clearly.

Point holds a deed of trust — a lien on your property. They're not an owner of your home. They have a contractual right to be paid a defined amount when the agreement is settled, but they have no ownership rights, no name on the deed, and no formal stake in the property as an asset.

Beeline Equity Now is on the deed as a minority co-owner. We've bought a real share of your home's equity at the time of the transaction. Our interest rises and falls with the home's value, in real time, the same way yours does — because it is the same kind of interest, just smaller.

Why this matters: at exit, the math is fundamentally different. With Point, your settlement is a contractual repayment obligation — original investment + Point's share of appreciation above the risk-adjusted starting value — and that obligation sits on your title until it's paid. With Beeline, there's no repayment obligation. When the home is sold, the proceeds are split pro-rata based on what each party owns. It's the same percentage-of-home math homeowners use when calculating their own equity at any sale.

How is the math different at exit?

Point and Beeline both share in your home's value over time, but they do it through structurally different mechanisms — and the difference matters most at the extremes (very flat markets and very fast-appreciation markets).

Point's math: Point shares only in appreciation above a starting value, which is genuinely better than HEI structures that share in the full home value. However, Point applies a 27% risk adjustment to your home's actual current value to calculate that starting value. So if your home is worth $500K today, Point's "starting value" for appreciation purposes is around $365K — meaning you're sharing appreciation from $365K, not from $500K.

In practice, this means you'll typically owe Point a meaningful amount even in modestly appreciating markets, because the 27% gap between your home's actual value and Point's starting value is treated as appreciation Point is entitled to share in. The Homeowner Protection Cap limits the maximum you'll pay in fast-appreciation scenarios, which is a real benefit.

Beeline's math: you sell us a slice of your home's equity at origination — typically with a ~20% minority discount applied to the slice we purchase, not to your home's full value. We own that slice as a real fractional interest. At exit, our share is just our percentage × home's value at sale. There's no contractual repayment formula, no risk adjustment to the starting value, and no fixed annualised cost.

For homeowners in moderate or slow-appreciation markets, Beeline's pro-rata structure tends to produce lower effective cost than Point's risk-adjusted appreciation-share structure. For homeowners in very fast-appreciation markets, Point's Protection Cap can make their cost more favourable than Beeline's uncapped pro-rata share.

How long can you stay in the product, and what happens at the end?

Point's term length is one of their genuine strengths. You can hold the agreement for up to 30 years with no maturity-driven sale and no prepayment penalty. Many homeowners pay back Point through the proceeds of an eventual sale or refinance. Point states they have never foreclosed on a homeowner.

Beeline Equity Now is also open-ended, with one important difference: there's a 5-year buy-back option that lets you repurchase our share at a defined price (with a 2.5% exit fee, against a defined floor). After 5 years, the buy-back option closes and our share simply remains as a co-ownership interest until the home is eventually sold.

For homeowners who specifically want the option to buy back at any time over a 30-year horizon, Point offers more flexibility on this dimension. For homeowners who either plan to sell within a defined window or want to settle within the first 5 years, Beeline's structure provides clear pricing and a defined exit path.

The math

A worked example.

Here's a representative scenario to show how the two products produce different outcomes.

Scenario: $1M home, $100K cash needed, 10-year hold

$400K existing mortgage · 4% annual appreciation

Beeline Equity Now

Point

Cash received (after fees)

~$92,000

~$94,000

Origination fee

8.5%

3.9% (~$3,900)

Risk adjustment at start

None

27% (starting value treated as $730K)

Effective stake

~11.7% of home value

~14% of home future value (representative)

Home value at year 10

$1,480,000

Settled at exit

~$173,000 (sale proceeds split pro-rata)

~$207,000 (contractual repayment)

Effective annualised cost

~6.5%

~8.2%

Cost paid out of cash flow

Takeaway

In a moderate-appreciation market, Beeline's pro-rata structure produces a lower effective cost than Point's contract-based structure, primarily because Point's 27% risk adjustment treats some of your home's existing value as if it were appreciation Point is entitled to share in. The gap narrows in higher-appreciation scenarios and can flip in very fast-appreciation markets where Point's Protection Cap activates.

Assumptions

$1M home, $400K existing mortgage, $100K cash needed
4% annual home appreciation (typical national average)
10-year hold (homeowner sells or buys back at year 10)
Beeline cost reflects ~14.6% equity sold at 20% minority discount, plus 8.5% transaction fee (net ~$92K to homeowner)
Point cost reflects approximately 14% future-value stake (representative — actual Point stakes vary by underwriting), 3.9% processing fee plus closing costs
Point figure based on Point's structure of original investment plus share of appreciation above the 27% risk-adjusted starting value
Point's Homeowner Protection Cap is not triggered at 4% appreciation

These numbers are illustrative. Actual Point terms vary significantly by underwriting; your Equity Guide can run the math for your specific situation.

The trade-offs

Pros and cons of each.

Beeline Equity Now

Pros

Real co-ownership recorded on the deed — structurally simpler relationship
No repayment obligation hanging over the property — settlement is just a sale split
No risk adjustment at start — partner buys equity at the home's actual value
Pro-rata sharing of upside and downside
In moderate-appreciation markets, lower effective cost than appreciation-share HEIs
Faster funding (~10 days)
Light qualification — minimal credit and income underwriting

Cons

Higher origination fee (8.5% vs 3.9%)
Smaller funding range ($50K–$200K vs $30K–$600K)
Newer category with less institutional history than Point
5-year buy-back window (vs Point's 30-year flexibility)
No protection cap in fast-appreciation scenarios

Point

Pros

Most established HEI provider — 20,000+ homeowners funded since 2015
Lower origination fee (3.9% vs 8.5%)
Larger funding range available (up to $600,000)
30-year term flexibility with no prepayment penalty
Homeowner Protection Cap limits cost in fast-appreciation scenarios
Shares in depreciation, not just appreciation
Appreciation-only sharing structure (better than full-future-value HEIs)
Available for investment properties, not just primary residences
Has never foreclosed on a homeowner

Cons

Contract-based structure (lien on title) — settlement is a repayment obligation that sits on the property until paid
27% risk adjustment at start can substantially increase effective cost in moderate-appreciation markets
Requires 20–40% equity minimum
Settlement formulas can produce surprising outcomes — the appreciation-only framing is partly offset by the risk adjustment
Currently available in only ~7 states for HEI

Which one fits you

When each option is the right answer.

Point is the better answer if:

You need a larger amount ($300K–$600K) that exceeds Beeline's typical funding range
You expect significant home appreciation — the Homeowner Protection Cap is a real benefit in fast-appreciation scenarios
You want a long, flexible term — 30 years with no prepayment penalty
You value an established track record — Point has been operating since 2015 with 20,000+ funded homeowners and has never foreclosed
You want to access equity in an investment property — Point allows HEIs on rental and investment properties, which Beeline does not currently offer
You're already in one of the states Point serves and you want to work with the longest-running HEI provider

Point is one of the most homeowner-friendly HEI providers in the market. If most of those apply, we'd encourage you to explore Point seriously — their appreciation-only framing, Protection Cap, and depreciation-sharing all favour the homeowner relative to typical HEI structures.

Beeline Equity Now is the better answer if:

Your need is in the $50K–$200K range — Beeline's typical funding window
You expect moderate appreciation — pro-rata sharing without a 27% risk adjustment tends to outperform Point's structure in moderate-appreciation markets
You want true co-ownership without a repayment obligation sitting on your title
You want faster funding (~10 days vs ~3 weeks)
You plan to settle within 5 years — Beeline's buy-back window is built for this
You don't want a risk adjustment treating part of your home's existing value as if it were appreciation

If most of those apply, Beeline Equity Now is built for you.

One more thing

A note on Point's homeowner-friendly features.

Point genuinely has done more than most HEI providers to design a homeowner-friendly product. The appreciation-only sharing, the Homeowner Protection Cap, the depreciation-sharing, and the no-foreclosure track record are all real and meaningful features that distinguish Point from less homeowner-friendly competitors.

The honest comparison with Beeline isn't "Point is bad and Beeline is good." It's that Point is a contractual product with thoughtful homeowner protections, and Beeline is an ownership product with structurally different math. Both can be the right answer, depending on your situation, your time horizon, your appreciation expectations, and your preference for a contract relationship versus an ownership relationship.

If you're trying to choose between them, the most useful question is often: would you rather have a partner who owns a real slice of your home and shares its actual performance, or a counterparty with a thoughtfully-designed contract that produces a defined settlement at exit?

Different homeowners answer that question differently — and there's no universally right answer.

Talk to someone who can walk you through it.

If you're weighing Point against Beeline Equity Now, your Equity Guide can walk you through both products honestly — including running the math for your specific home, situation, and time horizon.

Talk to an Equity Guide

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