Offers available for Texas homeowners September 1st, 2026!
Introducing Upside by
Move Without Giving Up Your Low Mortgage Rate
No Downside. Just Upside. Get paid twice.
Benefit from your low mortgage rate. Get paid twice.
Upside by Calque helps homeowners unlock value from their current home while preserving their low rate mortgage. An investor purchases your equity today at a fair market value and rents and manages the property while making all payments. In exchange for the use of your low-mortgage rate, when they resell the property in five years, you receive up to 50% of the additional appreciation.
SPEND 4 MINUTES TO FIND OUT HOW MUCH YOUR HOME IS WORTH WITH UPSIDE
A New Approach to Equity Participation
What is Upside?
Most equity participation products are designed around the purchase of a new home and rely on financing at current market interest rates. Calque Upside takes a different approach.
Retain the Value of Your Low Rate
Instead of replacing the homeowner's existing mortgage, Upside allows the homeowner to retain some value from their low mortgage rate. Upside introduces an investment partner who purchases the homeowner's equity, guarantees the mortgage payments will be made, and rents out the property.
Buy Before You Sell Your Current Home
Upside gives homeowners the flexibility to purchase their next home before selling their current one. By providing access to their existing home equity, Upside helps them make a stronger offer and avoid the pressure of coordinating two transactions at once.
When the home is later sold, the investor and the homeowner share the net appreciation.
If home prices decline and the home doesn't sell for enough to pay off the mortgage, Calque will purchase the home and pay off the mortgage.
Calque's Guaranteed Backup Agreement
The homeowner receives approximately the same amount of money they would have received from a full price sale at the beginning of the process. Calque provides a guarantee, which costs the investor less than the savings from the mortgage rate. If the home appreciates, the homeowner and the investor split the Upside.
How the equity flows with Upside
THE PROCESS
How Upside Works, It's Easy
Complete a quick application. Calque reviews your home and, if approved, provides a five year Guaranteed Backup Agreement that protects you if your home's value falls below your remaining mortgage balance.
An Investment Partner purchases a portion of the homeowner's equity while the homeowner retains ownership of the property and the existing mortgage.
A binding rental and resale agreement establishes how future appreciation is shared. Depending on the amount of equity purchased, the Investment Partner receives 50% to 60% of appreciation, while the homeowner retains 40% to 50%.
Rental income supports the existing mortgage payment throughout the agreement period. The investment partner covers the mortgage payment, taxes, insurance, maintenance, and finding tenants.
The Guaranteed Backup Agreement covers the entire 5 year term, ensuring mortgage payments are protected throughout the agreement period.
ADVANTAGES
Benefits of Upside
Move into your dream home now, without waiting for a traditional sale.
Calque's Guaranteed Backup Agreement makes it possible.
Why Upside
Why Homeowners Choose Upside
Keep Your Existing Mortgage Working
Don't give up the value of your low interest rate.
Receive Your Equity Today and Move on Your Timetable
Access the equity you've built without waiting for a traditional home sale. Move into your dream home now.
Make a Stronger Offer
Move into your next home sooner and make a non-contingent offer that could save you 3%-10% on your next home.
Share Future Appreciation
Receive up to 50% of your home's appreciation during the agreement period.
No Downside
If home values decline, the investment partner bears the equity loss. If values fall below the remaining mortgage balance, Calque's Guaranteed Backup Agreement provides protection for them and you.
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Built for homeowners like you
Move forward without walking away from one of your home's most valuable financial assets.
Eligibility
Is Upside Right For You?
Want to move but don't want to give up your low mortgage
Have built significant equity in your current home
Own a home valued between approximately $200,000 and $500,000
Have a property in marketable condition with strong rental potential
Want to unlock your equity while continuing to benefit from future appreciation
If this sounds like your situation, Calque Upside could help you move without walking away from one of your home's most valuable financial assets.
The Core Idea
What Does "Get Paid Twice" Mean?
With a traditional home sale, homeowners receive their proceeds once and no longer benefit if the home's value increases.
Calque Upside creates a different opportunity. Homeowners receive approximately the same proceeds they would from selling today while continuing to participate in future appreciation.
Under the current illustrative model, homeowners receive up to 50% of the home's net appreciation when the property is sold, creating an opportunity to benefit both today and again in the future.
Payment 1
Today
Receive the same proceeds you will get from a full-price sale
Payment 2
Future
Receive up to 50% of your home's net appreciation when property is sold
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Example Scenario
Illustrative Consumer Outcome
A $400,000 home with a $300,000 outstanding mortgage. See how much more you could earn over time with Upside.
OPTION A
Traditional Sale
Home Value
$400,000
Purchase Price
$400,000
Outstanding Mortgage
-$280,000
Transaction Expenses
-$46,000
Cash Proceeds
=$74,000
NET BENEFIT TODAY
$74,000
OPTION B
Upside by Calque
Recommended
Home Value
$400,000
Purchase Price
$392,000
Outstanding Mortgage
-$280,000
Transaction Expenses
-$44,000
Cash Proceeds Today with 98% Offer + Savings from Faster Sale (assuming 3 months on market)
=$68,000
Savings on Next House from Making Non-Contingent Offer
+$12,000
POTENTIAL ADDITIONAL UPSIDE FROM FUTURE APPRECIATION
PERFORMANCE
Potential Total Benefit Over Time
Three possible market outcomes. One protected starting point.
1
Home Values Decline
(0% or Negative)
Potential Total Benefit
Your Proceeds Stay Protected
Even if home values fall, you keep the full amount you received. The investment partner absorbs the loss.
2
Moderate Growth over 25 Years
(2–3% per year)
Potential Total Benefit
You Earn Upside on Top
Receive your proceeds at closing, then benefit from future appreciation on top of what you already locked in.
3
Strong Growth Over 25 Years
(5% per year)
Potential Total Benefit
Maximize Long-Term Returns
In a high-growth market, your share of appreciation compounds into substantial gains over time.
The Upside Advantage
Receive your proceeds today, move forward with confidence, and continue sharing in future appreciation if your home increases in value.
RESOURCES
Documents and Guides
Helpful resources to learn more about Upside by Calque.
Upside Step by Step Roadmap
Frequently Asked Questions
How are your investors able to offer more than other institutional buyers?
Will your investors buy my house if I don’t have a mortgage or if my mortgage is more than 4.5%?
Do I still own my home?
Do I keep my existing mortgage?
What happens if my home's value increases?
What happens if my home's value decreases?
How long does the agreement last?
When will the home be sold?
How much of my equity will your investors purchase?
If I have more than 35% equity, do I have to share 50% of my home’s current value with investors?
Can I buy a home without a home sale contingency?
Who is eligible for Upside?
Is Upside available in Texas?
Fully Protected
