For income that doesn't fit the form

Acre underwrites the home, not the W-2.

Your offer letter says one number. The mortgage company sees another. Founder income, RSUs, commission, 1099: Acre's approval looks at the home and your 5% Value Share, not two years of returns.

See if you qualify How Acre works

No DTI math. No two years of W-2s. No credit impact to check.

An Acre resident working from their home office

Approval that fits

On a $600K home

$30K in

5% Value Share, not $120K down plus closing costs

The third way

What gets counted, where

Three systems, three readings of the same financial life. Only one looks at the home instead of the form.

Keep renting

Your income doesn't matter. Nothing builds.

Your real income: Irrelevant. Nothing builds either way
Your capital: Stays liquid, earns elsewhere
The home: Never yours

Mortgage underwriting

Your life, reduced to a ratio.

Your real income: Reduced to W-2 + DTI math
Your capital: 20% down stops compounding
The home: Yours, if the spreadsheet agrees

Acre

The home is the underwriting.

Your real income: Approval looks at the home, not two years of returns
Your capital: 5% in, not 20%. The rest stays working
The home: Own from day one with your Value Share

The numbers

Capital efficiency, in plain terms

in, not 20%

On a $600K home that's $30K committed, not $120K. The difference stays invested, liquid, or in the business.

No DTI

no two years of W-2s

Acre's quick approval has no credit impact and doesn't reduce your financial life to a debt-to-income ratio.

3 exits

priced into the model

Buy, transfer, or cash out at term end. Run it like the option structure it is.

It's not a mortgage. It's not renting. It's Acre.

Not a mortgage

No loan, no rate, no 30-year amortization.

Not rent-to-own

Your Value Share is yours from day one, not a savings account that can be forfeited.

Not a sale-leaseback

Acre buys a home for you to live in, not from someone who already does.

Not an HEI (home-equity investment)

Acre is for buyers acquiring a home, not for owners cashing out of one.

What the spreadsheet people ask

What does Acre actually look at to approve me?

The home (Acre buys and certifies only homes that meet its standard), plus your ability to fund the 5% Value Share and carry the monthly payment. The quick approval has no credit impact.

How does Acre make money if there's no loan?

Acre shares in the home's appreciation over your term and collects your monthly payment. Incentives point the same direction: the model works when the home does.

What's the catch versus a mortgage at today's rates?

Run both. Acre charges no closing costs in and no sale costs out, and your Value Share moves with the home. The honest answer depends on your horizon and your opportunity cost of capital, which is exactly what the questionnaire estimates.

See whether you qualify, without the paperwork

Five minutes, no credit impact, no two years of returns. Real numbers for Raleigh-Durham at the end.

See if you qualify Talk to an advisor