Phase 01. — Loan Origination
A Mortgage Built to
Build Equity Faster
The Reversed Conventional Mortgage flips the script on how you pay. Same monthly payment. 100% to principal. Equity grows from year one.
Traditional vs. RCM
Same payment. Completely different allocation.
Traditional 30-Year Fixed
- ✕Month 1: ~85% of payment goes to interest
- ✕Principal pays down slowly for first 20 years
- ✕Equity builds convex — almost nothing early on
- ✕After 5 years: ~6–8% of original loan paid off
ML Systems RCM
- ✓Month 1: 100% of payment goes to principal
- ✓Interest accrues separately — not deducted monthly
- ✓Equity builds linearly from day one
- ✓After 5 years: dramatically more equity + rebuild value
Run the Numbers
See exactly how much faster you build equity with the RCM.
RCM vs. Traditional — See the Difference
Monthly Payment
$2,023
Same for RCM & traditional
RCM Equity at Year 5
$532,573
After rebuild value gain
Traditional at Year 5
$100,445
+$432,128 RCM advantage
RCM — Accumulated Interest Deferred · Year 5
$84,608
26% of loan · accrued as deferred liability, not paid monthly
Traditional — Interest Paid Out of Pocket · Year 5
$100,912
32% of loan · already paid to the lender, non-recoverable
RCM equity projection includes rebuild value gain (+10% SF, +1 level). Traditional uses original home value. Illustrative only.
Start Your Application
Your inquiry goes to Sal first. Our partner lender handles processing. You stay in the ML Systems loop throughout.