<prompt> Human: Hi Reddit,Im curious about this company called Landed Landed.com. They provide teachers with a matching 10 down payment for a house Teacher - 10, Landed - 10, 20 total in exchange for 25 of the gainslosses their portion of the down payment when the when the home either sells or is paid off. My wife is a teacher and we live in Denver, CO where the housing market is on fire. We are looking for a home in the 300k - 330k range which is the cheapest you can find. We were planning on either putting 5-10 down in the next year or two. If my calculations are correct, if we went with Landed we would be saving roughly 63,000 in total interest and our monthly payment would drop by 500. Is this a good deal?  <response>: These types of companies are popping up in most major cities around the country especially on the coasts. Its not surprising that theyre only investing in fast appreciating areas. Ideally, youd want to do this if you dont expect significant appreciation in your home, but of course thats the opposite of what they want. Itll be interesting to see what kind of lawsuits come up when people start to refi their properties in the next 5 years or so and are told theyre losing much of their equity. A lot of people are going to claim they didnt understand what they were getting into. The whole concept feels a little scammy to me... I definitely wouldnt do it in Denver.By the way - theyre not partnered with the Denver school system. Theyre giving the school system a kickback for each loan they bring in. Its not some exclusive club that you have available to you just bc youre SO is a teacher, there are plenty of companies offering these down payment equity sharing loans to everyone. I dont mean to be super cynical, it just doesnt feel like a good deal in a fast appreciating environment. 