---
title: Vesta Equity – Investors
---

 Live in Prosperity

# Invest in Residential Equity at Scale

###### **Vesta Equity provides investors diversified equity exposure to owner-occupied homes across America through stable high yield home equity investments (HEIs).**

[ Get Started ](https://vestaequity.net/onboarding?hsLang=en)

The Problem

## One of the World’s Largest, Most Stable Asset Classes Has Never Been Accessible by Investors.

Vesta Equity's Home Equity Investments (HEIs) make it easy to buy and leverage, residential real estate assets with the certainty of immutable underwriting data through our blockchain based Perfected Data Room™:

#### Unique access to US housing market

HEIs provide broad exposure to home price appreciation throughout the US.  They are the first & only investment vehicle to offer secured equity interests in owner-occupied real estate at scale.

#### Attractive risk-adjusted returns

HEIs can deliver outsized returns relative to other housing investments such as mortgage securities and REITs

#### Significant downside protection

HEIs are structured with significant homeowner equity buffers and repayment mechanics that absorb potential losses from home price depreciation

Our Solution

## How it Works

Vesta Equity enables investors to “go long” on the U.S. housing market with our proprietary Home Equity Investments (HEIs).

A HEI contract represents a partial ownership interest in an owner-occupied home.  The contract entitles its holder to receive a share of the home’s future value upon eventual settlement of the contract.  Contract holders effectively become silent equity partners in the home; all home-related operating responsibilities remain with the homeowner. 

Vesta Equity originates and aggregates pools of HEI contracts which are made available for investment by institutions, family offices and high-net-worth individuals.  These assets are structured with significant return potential and risk mitigation, and can be efficiently financed in the capital markets.

Vesta Equity sponsors investment vehicles that assemble a diversified portfolio of partial equity interests in owner-occupied homes, secured by HEI contracts.  As homeowners repurchase their equity in the future, the proceeds provide a return of capital + profit to investors.

Vesta leverages blockchain technology to digitize the origination and asset management of its HEI portfolios.  All data related to the home, the HEI contract, and the investment progression are immutably recorded in the Perfected Data Room™, Vesta’s proprietary blockchain-based data repository.

- Vesta provides capital to homeowners to acquire a partial equity interest in their home.
- Homeowner repurchases equity at a future date at a price derived from the home’s value at the time of repurchase.
- 100% of data is permanently and immutably recorded in the Perfected Data Room™ during the life of the investment.

"The U.S. owner-occupied housing market is valued at over $48 trillion" - Board of Governors of the Federal Reserve System, Q3 2024

 INVEST FOR PROSPERITY

# Ask about our current portfolio.

A collection of high yield home equity investment opportunities.

![2185698605](https://vestaequity.net/hs-fs/hubfs/2185698605.png?width=430&name=2185698605.png) ![Light-and-shadow-interplay-create-dramatic-effects-accentuating-the-architectural-details-of-modern-homes](https://vestaequity.net/hs-fs/hubfs/Light-and-shadow-interplay-create-dramatic-effects-accentuating-the-architectural-details-of-modern-homes.jpg?width=430&name=Light-and-shadow-interplay-create-dramatic-effects-accentuating-the-architectural-details-of-modern-homes.jpg)

![small-prefab-homes-Thunder-Bay-Beautiful-Modern-Affordable-Luxury-Prefab-Home-Stylish-Exterior-Design-in-Ontario-Example](https://vestaequity.net/hs-fs/hubfs/small-prefab-homes-Thunder-Bay-Beautiful-Modern-Affordable-Luxury-Prefab-Home-Stylish-Exterior-Design-in-Ontario-Example.jpg?width=430&name=small-prefab-homes-Thunder-Bay-Beautiful-Modern-Affordable-Luxury-Prefab-Home-Stylish-Exterior-Design-in-Ontario-Example.jpg) ![2186926570](https://vestaequity.net/hs-fs/hubfs/AI-Generated%20Media/Images/2186926570.png?width=430&name=2186926570.png)

![iStock-1279973638](https://vestaequity.net/hs-fs/hubfs/iStock-1279973638.jpg?width=430&name=iStock-1279973638.jpg) ![Street-facade-of-the-contemporary-family-home-in-North-Oakland](https://vestaequity.net/hs-fs/hubfs/Street-facade-of-the-contemporary-family-home-in-North-Oakland.png?width=430&name=Street-facade-of-the-contemporary-family-home-in-North-Oakland.png)

Act Now

## Invest in One of the Most Proven and Financeable Assets in the World

Home equity investments (HEIs) offer a unique way to gain exposure to real estate appreciation without the hassle of ownership. Investors benefit from a stable, high-value asset class, while homeowners unlock liquidity without taking on debt. With strong risk-adjusted returns and rising demand for alternative investments, HEIs provide a smart way to diversify portfolios.

![Headshot-1](https://vestaequity.net/hs-fs/hubfs/Headshot-1.jpg?width=600&name=Headshot-1.jpg)

#### Jake Kelley

##### Chief Investment Officer

[ Start Now ](https://vestaequity.net/onboarding?hsLang=en)

![iStock-1465618017](https://vestaequity.net/hs-fs/hubfs/iStock-1465618017.jpg?width=2000&name=iStock-1465618017.jpg)

Making Access to Your Home Equity Easy

## Frequently Asked Questions

- How big is the U.S. home equity market?
- What is an HEI contract secured by?
- How is the homeowner’s equity settlement price (equity repurchase price) calculated?
- How is the downside protected?
- How is investing in HEIs different from investing in mortgages?
- Why blockchain?

It’s huge!  Bank of America estimates the tappable home equity market to be north of $17 trillion.  “Tappable” refers to the amount of equity a homeowner could withdraw while still retaining 20% equity in their home.

HEI’s are secured by a recorded lien on title.  If there is a mortgage on the property, the HEI contract will be secured by a 2nd lien.

Settlement prices are calculated based on a multiple of the % of the home’s value that Vesta invested (“Repurchase Multiple”). 

Example: 

Vesta invests $100k in a home valued at $500k (investment = 20% of home value). The settlement price would be 40% of the home’s value at the time of settlement, (40% represents a 2.0X Repurchase Multiple against the original 20% investment). 

 

The two primary forms of downside protection are: 1) Equity cushion, and 2) Repayment Multiple.

Equity cushion:  Vesta requires homeowners to retain at least 20% equity in their home at the time of Vesta’s investment.  

Repayment Multiple:  The homeowner is contractually obligated to repurchase their equity at a higher home value percentage than the original investment.

These two factors provide significant downside protection, as a home would have to depreciate meaningfully in order for Vesta’s investment to be at risk of incurring a loss.

 

HEI’s are an equity investment in owner-occupied homes, while mortgages are a debt investment.  

HEI’s earn a return based on 1) home price appreciation, and 2) a multiple applied to the original investment amount.  HEI’s can potentially deliver outsized returns to investors, particularly in times of substantial home price appreciation.

The “return” on a mortgage is a known percentage that is equal to its interest rate.  The interest rate is not impacted by outsized home price appreciation or a multiple.

 

Leveraging blockchain for home equity investments is 100% logical because it enhances **transparency, liquidity, and efficiency** in a traditionally illiquid and opaque market. Blockchain enables **fractional ownership**, allowing homeowners to access equity without taking on debt while providing investors with **new opportunities** to diversify into real estate. **Smart contracts** automate transactions, reducing costs and eliminating intermediaries. Additionally, blockchain ensures **secure, immutable records**, minimizing fraud and simplifying compliance. These advantages make blockchain the ideal technology for modernizing home equity investments.

 

Vesta Equity Transacts First-Ever On-Chain Home Equity Investment

## Elevatus Wealth Management Partners with Vesta Equity to Empower Clients with Debt-Free Home Equity Access

**Los Angeles, CA – 01/13/2026** – Vesta Equity, an innovator in digital real estate investments, today announced the successful execution of the first-ever on-chain, legally-perfected, digitally-native Home Equity Investment (HEI) on a public permissionless blockchain.   The $100,000 transaction on the [Provenance Blockchain](https://provenance.io/), conducted between a California homeowner and an investor,  was completed entirely on-chain in collaboration with NUVA Labs using ’ $YLDS, the first and only SEC-registered, yield-bearing stablecoin issued by Figure Certificate Company, a wholly owned subsidiary of Figure Technology Solutions, Inc. (NASDAQ: FIGR)(“Figure”).

[ View ](https://vestaequity.net/blog/vesta-equity-transacts-first-ever-on-chain-home-equity-investment?hsLang=en)

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