A new asset class

Buy the home of your dreams.
Not the one you can afford.

EquityOS cuts homeowner payments in half by bringing institutional investors into the capital stack — creating a new $34 trillion asset class in the process.

The 50 / 40 / 10 Capital Structure

Three parties, perfectly aligned. One home purchase.

50%
Bank
Senior mortgage at pristine 50% LTV. Absolute priority.
40%
Investors
Pure equity appreciation with 2× structural leverage.
10%
Buyer
Payments cut in half. Full title and control.
$34T
Residential equity — never investable until now
51%
Monthly payment reduction for home buyers
8–12%
Target net IRR for institutional investors
50%
LTV — pristine senior mortgage for banks

What EquityOS is and isn't

✓ Capital stack infrastructure
✕ Tokenized real estate
✓ Purchase-assist at origination
✕ A home equity investment (HEI)
✓ Owner-occupied only
✕ A rental fund
✓ SEC-registered ATS trading
✕ Crypto

Stop settling. Start living.

EquityOS lets you buy the home you actually want — with monthly payments you can actually afford.

Traditional 90/10
Down Payment
$75K
Mortgage (P&I)
$4,214
+ PMI (required at 90% LTV)
$394
Total Monthly Payment
$4,608
EquityOS 50/40/10
Down Payment
$75K
Mortgage (P&I)
No PMI at 50% LTV
 
Total Monthly Payment
$2,236
You save
$2,372/month
51% lower payments • Same down payment • No PMI

Ready to cut your payments in half?

Join the waitlist. We'll notify you when EquityOS launches in your area.

What you keep

🏠
Full title
Your name on the deed. Your home.
🔑
Full control
Renovate, decorate, live your life.
📈
Growing equity
Starts at 20% and grows as you pay down your mortgage.

$34 trillion in residential equity.
Never investable. Until now.

Pure, passive equity participation in U.S. owner-occupied residential real estate. No tenants. No property management. No operating risk.

8–12%
Target Net IRR
2× structural leverage from 50% LTV senior mortgage beneath you
Daily
NAV Updates
Real-time pricing via Cotality AVM + Plaid oracle feeds
ATS
Secondary Liquidity
Trade on Securitize SEC-registered exchange. No lock-up.
GP/LP
Fund Structure
Standard institutional docs. Accredited investors via familiar workflow.

The allocator's problem — solved

SFR / Build-to-Rent
✕ Operating-intensive
✕ Political risk (SFR bans)
✕ Compressed cap rates
High cost • High risk
Non-Traded REITs
✕ Gating risk (BREIT 2022)
✕ Opaque NAV
✕ Not owner-occupied
Illiquid • Opaque
HEI Products
✕ Equity extraction, not purchase
✕ Forced 10-30yr exit
✕ CFPB scrutiny
Illiquid • Predatory
EquityOS: Equity-Backed Security (EBS)
Pure equity participation • No tenants • No operating risk • No maturity wall • ATS liquidity

The best mortgage you've ever originated.
50% LTV. Every time.

Traditional Mortgage
LTV
90%
Equity cushion
10%
Default risk
Standard
EquityOS Mortgage
LTV
50%
Equity cushion
50%
Default risk
Dramatically lower

Nothing changes for you

✓Same origination process — standard first mortgage
✓Same underwriting — your credit standards, your guidelines
✓Same servicing — you own the loan relationship
✓Absolute priority — bank is paid first in all scenarios
✓Equity Preservation Covenant recorded against title — no unauthorized second liens

How it works

Drag the slider to see what each party gets under different home price scenarios.

$1M home purchase • $500K mortgage • $400K investors • $100K buyer
Home price change: +50%
−40%0%+50%+100%
Sale price: $1.5M
Bank gets
$500K
Paid in full ✓
Investor gets
$800K
+100% return
Put in $400K
Homeowner gets
$200K
+100% return
Put in $100K
Shown at origination. Homeowner's equity share grows over time as the mortgage is paid down.

The real power: 15 years later

$1M home • 4% annual appreciation • Same monthly budget

After 15 years
Home value
$1,814,254
Homeowner equity
$462,365
Grew from 20% → 32% of equity
Investor equity
$996,195
6.27% IRR on $400K invested

Who comes out ahead?

Traditional
EquityOS
Home equity
$1,149,250
$462,365
Investment portfolio
$0
$1,047,436
Total wealth
$1,149,250
$1,509,801
Same home. Same monthly budget.
EquityOS buyer is $360,550 richer.
Investment returns assume 8% annual return on monthly savings. Home appreciation at 4%/year.

Get in touch

Whether you're a homebuyer, investor, bank, or builder — we'd love to hear from you.

Martin Kits van Heyningen
Founder & CEO
[email protected]
401.855.4444
EquityOS is infrastructure that makes owner-occupied residential equity priceable, settleable, and tradeable. We're in active discussions with bank partners, institutional investors, and homebuilders.

From MBS to EBS:
The next chapter in housing finance

The mortgage-backed security changed everything

Before the 1970s, mortgages were illiquid loans held on bank balance sheets. A bank in Ohio couldn't easily sell a mortgage to an investor in New York. Capital was trapped.

The mortgage-backed security (MBS) changed that by standardizing residential debt into a tradeable instrument. Mortgages were pooled, tranched, and sold to global investors. The result: a $12 trillion market that made homeownership accessible to millions by connecting local borrowers to global capital.

MBS securitized the debt side of housing. The equity side — $34 trillion of it — has never been touched.

Mortgage-Backed Security (MBS)
$12T
Standardized residential debt into a tradeable instrument. Created in the 1970s. Now the backbone of global fixed income.
Equity-Backed Security (EBS)
$34T
Standardizes residential equity into a tradeable instrument. Created by EquityOS. The next frontier in housing finance.

How the Equity-Backed Security works

At home purchase, EquityOS structures a 50/40/10 capital stack: 50% senior bank mortgage, 40% institutional equity, 10% buyer down payment. The investor's 40% is pooled across hundreds of homes into a Master Pool, creating diversified exposure to residential equity appreciation.

Each investor position is represented by a token — the Equity-Backed Security — which trades on a SEC-registered Alternative Trading System (ATS). Daily NAV is computed from independent data sources (automated home valuations and mortgage balance feeds), verified through cryptographic proofs, and anchored to the Ethereum blockchain for auditability.

The result is what MBS did for debt, applied to equity: a standardized, priced, and tradeable instrument backed by the largest asset class on earth.

MBS unlocked $12 trillion in residential debt for global investors.
EBS unlocks $34 trillion in residential equity.