[styrophone]

20% of appreciation for 10% of assets [0]. Seems like decent leverage on your risk.

From the point of view of a prospective homebuyer, at first this seems attractive as an avenue toward mortgage reduction. However, as you point out, it's hard to identify where this service adds any value to the asset. I fear that it ultimately results in another large pool of money pumping up the demand side at the expense of new buyers.

[0] https://point.com/calculator