From a title you already hold to a yield that keeps earning — the home stays in the household, the mortgage stays where it is, and the household budget is not asked to absorb another monthly payment.
A licensed residential appraisal — or a recognized broker opinion of value for investment and second-home positions — establishes what the property is worth. Title, possession, and occupancy stay with you; Plinth does not take the home, does not take the keys, and does not move anyone in or out.
Plinth sizes a fixed, non-recourse liquidity advance against the equity above the existing first mortgage (or any HELOC already drawn against the property) and issues PL/EQ tokens one-for-one against the size of that advance. The existing first-mortgage holder keeps their position; the advance is not a refinance, and no second lien is created against the household.
The advance is deployed into approved external venues producing disclosed yield. The capital provider receives their share from that deployment — never from owner payments, appreciation, or sale proceeds. The household budget is not asked to absorb a new payment; the existing first mortgage continues unchanged.
The protocol accepts the residential positions a household or individual investor typically holds: a place to live, a place to escape to, a rental, a multi-family building, or a home with an income-producing accessory unit. The narrow part of the process is the appraisal; once a credible residential valuation is on file, the rest is the same equity-as-liquidity model.
Owner-occupied single-family homes, townhouses, and row houses. The most common residential position — equity above the existing first mortgage becomes the basis for issuance without disturbing the household.
Recreational and second residences — coastal, mountain, lake, or country. Appraised through the same residential valuation process, with the existing mortgage (and any equity line) netted against the value.
Long-term and short-term rental homes held for income. The capitalization of documented rent rolls supports the appraisal; the property itself stays under the owner’s management.
Individually-owned condominium units and co-op shares with a recognized HOA or board. Comparable sales in the same building or development drive the valuation.
Duplexes, triplexes, and four-family residences held under a single title. Each unit’s rent rolls roll up into the appraisal; the existing position on the whole property is netted against the value.
A primary residence with an additional dwelling unit, accessory structure, or in-law suite — the secondary unit’s income potential is recognized in the appraisal without altering the underlying title.
Title to the property stays with the homeowner. Plinth takes a transparent on-chain claim on the equity above the existing first-mortgage or HELOC holder — no refinance, no second lien, no additional monthly payment on top of the household’s existing mortgage, no covenant interference with the homeowner’s existing lender, and no obligation to occupy, rent, or vacate.
A permitted sale or trade closes the existing Plinth position under defined redemption and settlement terms. Any new owner does not inherit the previous advance — they complete a separate eligibility review and receive new advance terms on the new ownership. Until that review is complete and the position is redeemed, the existing advance’s settlement terms apply.
Sale mechanics, notice timing, and the new-owner eligibility path are subject to final terms and counsel review.
The intake walks through the property, the existing mortgage or HELOC, and the appraisal path. You see the math before anything is signed or minted.
No forms before you’re ready. The intake is a single guided flow.