THE PROCESS
How You Capture Your Upside
Complete a quick application. Calque reviews your home and, if approved, provides a five year Guaranteed Backup Agreement that protects you if your home's value falls below your remaining mortgage balance.
An Investment Partner purchases a portion of the homeowner's equity while the homeowner retains ownership of the property and the existing mortgage.
A binding rental and resale agreement establishes how future appreciation is shared. Depending on the amount of equity purchased, the Investment Partner receives 50% to 60% of appreciation, while the homeowner retains 40% to 50%.
Rental income supports the existing mortgage payment throughout the agreement period. The investment partner covers the mortgage payment, taxes, insurance, maintenance, and finding tenants.
The Guaranteed Backup Agreement covers the entire 5 year term, ensuring mortgage payments are protected throughout the agreement period.
ADVANTAGES
Benefits of Upside
Move into your dream home now, without waiting for a traditional sale.
Calque's Guaranteed Backup Agreement makes it possible.
Built for homeowners like you
Move forward without walking away from one of your home's most valuable financial assets.
Eligibility
Is Upside Right For You?
Want to move but don't want to give up your low mortgage
Have built significant equity in your current home
Own a home valued between approximately $200,000 and $550,000
Have a property in marketable condition with strong rental potential
Want to unlock your equity while continuing to benefit from future appreciation
If this sounds like your situation, Calque Upside could help you move without walking away from one of your home's most valuable financial assets.
PERFORMANCE
Potential Total Benefit Over Time
Three possible market outcomes. One protected starting point.
1
Home Values Decline
(0% or Negative)
Potential Total Benefit
Your Proceeds Stay Protected
Even if home values fall, you keep the full amount you received. The investment partner absorbs the loss.
2
Moderate Growth Over 25 Years
(2–3% per year)
Potential Total Benefit
You Earn Upside on Top
Receive your proceeds at closing, then benefit from future appreciation on top of what you already locked in.
3
Strong Growth Over 25 Years
(5% per year)
Potential Total Benefit
Maximize Long-Term Returns
In a high-growth market, your share of appreciation compounds into substantial gains over time.
The Upside Advantage
Receive your proceeds today, move forward with confidence, and continue sharing in future appreciation if your home increases in value.
Expanding Fast
Fully Protected
Shared Appreciation