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As high-income professionals with complex financial lives, plastic surgeons are increasingly looking for alternative investments that offer strong returns, real diversification, and minimal day-to-day involvement. One area gaining traction among both individual and institutional investors is home equity investing — and one of the leaders in this space is Homeshares.
What Is a Home Equity Agreement (HEA)?
A Home Equity Agreement allows homeowners to unlock equity in their homes without taking on debt. Instead of borrowing, they receive a lump sum from investors in exchange for a share of their home’s future appreciation. These agreements are not loans — there are no monthly payments or interest — and they’re secured by a lien on the home.
For investors, HEAs offer a way to gain direct exposure to residential real estate appreciation, without the risks and responsibilities of being a landlord.
Homeshares manages the U.S. Home Equity Fund I (HEF I) — a professionally run fund focused exclusively on acquiring HEAs across owner-occupied homes in the U.S.
Key highlights:
Downside Protection: Structured to absorb up to 45% home value decline before capital is at risk.
Pure Equity Exposure: Skip the operational headaches of rentals. Invest in homes where owners live and maintain the property themselves.
Attractive Returns: Targeting net IRRs of 14–17%.
Institutional-Grade Strategy: Built for individual investors, backed by the same rigor trusted by major institutions.
Fully Digital Experience: Access, manage, and track investments through a modern online platform.
Why It’s Relevant for Physicians
HEAs offer a compelling fit for the “alternative sleeve” of a diversified portfolio. They can help balance heavy exposure to public markets and add inflation-resistant, real asset exposure. For time-strapped professionals who want portfolio growth without added complexity, this hands-off investment approach is particularly appealing.
To learn more about Homeshares and the U.S. Home Equity Fund I, visit Homeshares.co.
