According to their website, they are a lender with a vested, growing interest (like negative amoritization) for up to 30 years @ 17.5% equity out of the property.

Just like a reverse mortgage, the homeowner is trading $ equity for a mortgage interest into the property that does not requirement monthly pay back and the mortgage investor's interest is compounded at payoff based on that current market value.(in the future).

I would put it on your report as a mortgage interest.  It will be up to the underwriter and the agent to make the final decisions on Title.  I read title in NJ

From their website: You own the home! You control the property and receive the benefits of home ownership, such as occupancy rights and income tax deductions.

Unison is not an owner and has no rights of occupancy. We only share a portion of the future change in value of the home, as an investor.

 

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