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Equity Sharing is a unique arrangement between an investor who has cash to contribute, and a buyer who has good income and at least average credit, but doesn’t have a down payment. The investor can provide the cash for a down payment or supplemental monthly payments, depending on how the buyer qualifies. The buyer covers the closing costs and all the other normal costs of owning a home, such as the mortgage payment, property taxes, insurance and upkeep. In 3-7 years the homeowner buys out the investor and they each take a share of the appreciation.

 

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