Do I have to repay my current mortgage?

Yes. The primary purpose of the PPA investment is to pay off the existing mortgage and other liens if any. The remaining money can be used for any purpose, including property improvements, creating additional income, education, or other personal reasons. The mortgage and other liens are repaid in escrow, and the property owners receive the rest of the funds.

Can I receive more money than my current mortgage balance?

Yes. The sum of your mortgage pay off and the additional money you might receive cannot be larger than 75% of your property's current value.

I have already paid off my mortgage. Can I apply for investment money in my property?

Yes, up to 75% of your property’s current value. You will find the Profit Participation Agreement much less costly, more convenient, fair and flexible than Home Equity Loans or Reverse Mortgages.

I own a rental duplex. Can I obtain investment in my property?

Yes. Homebrik investment is for one to four-unit properties, and you don’t have to live in the property to qualify for financing.

Do I need a specific FICO score to be pre-approved for investment?

No. You need to provide a copy of your credit report not more than three months old, but there is no specific FICO score required.

If I receive investment using the profit Participation Agreement, will my property tax increase?

No. PPA is a passive transaction in which an investor does not become co-owner of the property. The PPA will not change the property owner’s taxes.

Do I need to be an accredited investor to invest in HomeBrik opportunities?


Does the investor acquires rights to property appreciation only or also to the rental income?

Investor acquires the right to both, property appreciation and percentage of the property rental income.

Who determines the property's current value?

An appraiser selected by an investor.

What is the difference between equity sharing and profit participation?

The most popular form of co-investment is through co-ownership of real estate assets with the primary owner (equity sharing). This method has significant taxation implications for the property owner; therefore, it is usually applied only during the purchase of a property. Protection of the property owner’s tax base is an essential advantage of using the Property Participation Agreement. Investor acquires future profits to real estate, but not real estate itself. Profit participation is a passive investment transaction.