Offers available for Texas homeowners September 1st, 2026!
Introducing Upside by
Move Without Giving Up Your Low Mortgage Rate
No Downside. Just Upside. Get paid twice.
Benefit from your low mortgage rate. Get paid twice.
Upside allows homeowners who have a low mortgage rate to cash out their equity today, avoid all the hassle and risk of becoming a landlord, and potentially benefit from another check in a few years.
Spend 4 minutes to find out how much your home is worth with Upside.
A New way to benefit from your home
What is Upside?
Retain the Value of Your Low Rate
Keep your existing low-rate mortgage and the value it provides.
An investment partner purchases a share of your equity, then rents and manages the home.
Buy Before You Sell Your Current Home
Get cash from the equity you have today, and buy your next home before selling.
Make a stronger offer without coordinating two transactions at once.
Continue participating in your home’s future value.
When the home is sold, you and the investment partner share the net appreciation.
Calque's Guaranteed Backup Agreement
Receive approximately what you would net from a full-price sale today.
If a future sale cannot cover the remaining mortgage balance, Calque purchases the home and pays it off.
How the equity flows with Upside
Why Upside
Why Homeowners Choose Upside
Keep Your Existing Mortgage Working
Don't give up the value of your low interest rate.
Receive Your Equity Today and Move on Your Timetable
Access the equity you've built without waiting for a traditional home sale. Move into your dream home now.
Make a Stronger Offer
Move into your next home sooner and make a non-contingent offer that could save you 3%-10% on your next home.
Share Future Appreciation
Receive up to 50% of your home's appreciation during the agreement period.
No Downside
If home values decline, the investment partner bears the equity loss. If values fall below the remaining mortgage balance, Calque's Guaranteed Backup Agreement provides protection for them and you.
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The Core Idea
What Does "Get Paid Twice" Mean?
With a traditional home sale, homeowners receive their proceeds once and no longer benefit if the home's value increases.
Calque Upside creates a different opportunity. Homeowners receive approximately the same proceeds they would from selling today while continuing to participate in future appreciation.
Under the current illustrative model, homeowners receive up to 50% of the home's net appreciation when the property is sold, creating an opportunity to benefit both today and again in the future.
Payment 1
Today
Receive the same proceeds you will get from a full-price sale
Payment 2
Future
Receive up to 50% of your home's net appreciation when property is sold
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Example Scenario
Illustrative Consumer Outcome
A $400,000 home with a $300,000 outstanding mortgage. See how much more you could earn over time with Upside.
OPTION A
Traditional Sale
Home Value
$400,000
Purchase Price
$400,000
Outstanding Mortgage
-$280,000
Transaction Expenses
-$46,000
Cash Proceeds
=$74,000
NET BENEFIT TODAY
$74,000
OPTION B
Upside by Calque
Recommended
Home Value
$400,000
Purchase Price
$392,000
Outstanding Mortgage
-$280,000
Transaction Expenses
-$44,000
Cash Proceeds Today with 98% Offer + Savings from Faster Sale (assuming 3 months on market)
=$68,000
Savings on Next House from Making Non-Contingent Offer
+$12,000
POTENTIAL ADDITIONAL UPSIDE FROM FUTURE APPRECIATION
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.
Frequently Asked Questions
How are your investors able to offer more than other institutional buyers?
Will your investors buy my house if I don’t have a mortgage or if my mortgage is more than 4.5%?
Do I still own my home?
Do I keep my existing mortgage?
What happens if my home's value increases?
What happens if my home's value decreases?
How long does the agreement last?
When will the home be sold?
How much of my equity will your investors purchase?
If I have more than 35% equity, do I have to share 50% of my home’s current value with investors?
Can I buy a home without a home sale contingency?
Who is eligible for Upside?
Is Upside available in Texas?
Expanding Fast
Fully Protected
Shared Appreciation
RESOURCES
Documents and Guides
Helpful resources to learn more about Upside by Calque.
