Did you ever go through with it? I've recently come across Unison and I'm intrigued. Definitely interesting that they let you pay it off at anytime so presumably you could just wait until the next housing recession to paid it off.
I too am interested in this opportunity. I see a profit in two main ways: 1. arbitrage by investing in something that allows for returns that payoff the investment prior to the required 30 year repayment period; 2. A RE market downturn, allowing for repayment at a lower amount than initially invested. Thoughts?
You say you only have 60% of the property rights...clarification, you have 100% of your property rights. They are only taking 40% of profit from their increase of value from the purchase....unless I'm missing something.
For the investor, it is head I win, tail you lose. They get back their initial investment +2.5% + transaction cost + 40% of whatever future appreciations.