DYNAGENLENDING

HEI Repurchase Calculator

Home Equity Investment (Splitero structure). The homeowner always repays the lesser of the equity share or the monthly-compounded safety cap — whichever protects them more.
Client education tool

Deal parameters

Home value todayappraised value
HEI investment (cash to homeowner)$50K–$500K typical
Equity multipleSplitero standard: 2.0×
Safety cap rate% per month, compounded
Time until exit6 months
Investment thickness
10.0%
Splitero share of exit
20.0%
Home value at exit
$1,000,000
Origination fee (4.999%)
$4,999
Homeowner repurchase amount
$109,338
Protected by the safety cap — saving $90,662 vs. the equity share.
They pay this
Method A · Equity share
$200,000
20.0% of exit value
They pay this
Method B · Safety cap
$109,338
1.499%/mo compounded, 6 mo
Cost of capital
$9,338
Effective annual rate
19.6%
Cap → share crossover
47 mo

What they'd owe, by exit month

Safety cap (compounding) Equity share of exit value Selected exit
Payoff comparison by exit month.
Say it to the client

Internal educational tool — Dynagen Lending, NMLS #2179695. Illustration only, based on the Splitero HEI example structure (2.0× equity multiple, 1.499%/mo safety cap, 4.999% origination fee on the investment amount). Actual terms, pricing, eligibility, and caps are set by Splitero at underwriting and controlled by the signed HEI agreement. An HEI is a home equity investment contract, not a loan; this illustration is not an offer or commitment of credit. All product recommendations are made by licensed personnel.