Live in Raleigh-Durham, Charlotte, Atlanta, and Greensboro–Winston-SalemBook a call

Acre is Now in Charlotte

The American Dream.
Reinvented.

Buy your next home with Acre. You contribute 5%, take on no debt, share in the appreciation, and leave the high transaction costs of a mortgage behind. Over three years in a $425,000 Charlotte home, the math below leaves you $16,142 ahead of a mortgage.Relocating · Buying your first home · Moving up or downsizing · Unsure how long you’ll stay

Book a call with an Acre Advisor See the math

A three-story craftsman home with wraparound balconies on a landscaped hillside

The math

Same home. Same market. What would you walk away with?

A $425,000 home near the metro median, against a thirty-year mortgage at 7.18% with 5% down. Acre figures use the Acre Boost plan: the same monthly payment as the mortgage, with half the appreciation. Cash to start: $21,250 with Acre, $29,750 with the mortgage (5% down plus closing costs).

I'm staying about

If home values

Acre ahead by $16,142 after 3 years

With Acre$10,361 With the mortgage−$5,781

On these assumptions, Acre comes out ahead in every three-to-five-year stay, including a market that dips.

Book a call with an Acre AdvisorNo forms, no credit check, no commitment

Assumptions

Illustrative, not a quote or a guarantee. Home: $425,000. Mortgage: thirty years at 7.18% with 5% down, mortgage insurance at 0.75% of the loan for the whole stay, 2% closing costs going in, 8% selling costs going out, and 1% of the home's value a year in maintenance. Acre, on the Boost plan: a 5% Value Share, the same monthly payment as the mortgage for the first three years and a payment re-based on the home's value after that, 0.5% a year in maintenance, 50% of any appreciation, 5% of any decline, and a 2% fee on the home's value when you leave. Both: property tax at about 0.94% of the home's value a year for the first three years and 0.85% after, and insurance at 0.5%, each rising 3% a year after year three. Renting, in the comparison: $2,500 a month, three months up front. Value paths: a rise of 2% a year, or a total change by the time you sell. Acre's standard growth assumption is 4% a year; this page defaults to 2%. “Walk away with” is what you hold at exit, less the cash you put in, plus any monthly savings. Link to this scenario.

Compare

Now there are three paths.

Swipe to see all three columns →

Comparison of renting, Acre, and buying with a mortgage
Dimension	Renting	Acre	A mortgage
Move in with less cash up front	Yes	Yes	No
Upfront, on a $425,000 home	$7,500: three months' rent	$21,250, the 5% Value Share	$29,750: 5% down plus closing
Appreciation	None	Your share, from day one	All of it
Cost to leave	Give notice	2% of the home's value	8–10% of the sale price
Freedom to leave after a few years	Yes	Yes	No
Never underwater if the market dips	Yes	Yes	No
Big-system repairs stay off your plate	Yes	Yes	No

Simplified view. Never underwater: Acre limits your share of any decline to a portion of your Value Share. Dollar figures are illustrative, using the $425,000 home in the math above. How Acre compares with a mortgage depends on your length of stay, home value changes, and financing costs. Compare scenarios in the calculator above.

Questions about your situation? Book a call with an Acre Advisor

Resident story

A home for Julie's three-year stay.

Sunlit living room with a sofa and dining table — Representative home shown.

Julie Martini could have chosen a mortgage, but for three years it wasn't the best financial plan.

Her pharmaceutical career brought her from Napa Valley to Charlotte. Retirement in Asheville might come next. Buying and selling within three years meant closing costs, maintenance surprises, and a housing market she couldn't predict. Renting for those years didn't appeal to her, either.

After a lifetime of seeing those as her only two choices, Julie found Acre. She had her financial advisor and her lawyer review the arrangement before moving into a $427,500 home she chose.

Her agreement gives her the option to buy the home later, some protection if its value falls, and coverage for major repairs such as a leaking roof or failed HVAC system.

Julie Martini · Charlotte, NC

Julie's numbers

Home she chose: $427,500
Planned stay: Three years
At the end: Option to buy the home
Before signing: Reviewed by her financial advisor and her lawyer

How it works

From first conversation to keys in hand.

Step one

Get approved

A quick review of your income, assets, and savings, using a soft credit pull that doesn't affect your score.

Step two

Find the home

Browse Acre-approved homes currently on the market, or bring your own. Your offer competes with the cash offers.

Step three

Move in

Acre completes the repairs and prep, then hands you the keys. Major systems stay covered while you live there.

Step four

Choose your exit

After three to five years: buy the home, transfer to another Acre home, or cash out. Your options are set from day one.

What is Acre

A home you choose.
Options for what comes next.

Your 5% Value Share is the upfront amount you put in: it moves with the home's value, and it's how you share in the appreciation from day one.

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

Acre holds title during your term. Your Value Share and your right to buy the home are written into the agreement from day one. Acre was founded in Durham in 2021 and is live in Raleigh-Durham, Charlotte, Atlanta, and Greensboro-Winston-Salem.

Book a call with an Acre Advisor about how the agreement works.

A couple hanging a picture in their new home

Before you book

Three things people ask first.

Who holds title, and what does that mean for me?

Acre holds title during your term. Your Value Share, your monthly amount, and your right to buy the home are written into the agreement from day one. When you decide to buy, there is no competition from other buyers.

What does it cost to leave?

An Acre term runs three to five years. Leaving carries a 2% fee on the home's value. Selling a home you bought with a mortgage typically costs 8 to 10% of the sale price.

What if home values fall?

Acre limits your share of any decline to a portion of your Value Share, so you are never underwater, even in a down market. If the home appreciates, you share in that appreciation from day one.

More answers on the Acre FAQ, or book a call with an Acre Advisor.