A financial instrument exchanged between an owner of real estate and a source of capital. A request for a cash payment is received from the owner. The cash payment is disbursed by the source of capital to the owner. The financial instrument is originated from the owner to the source of capital. The cash payment comprises an amount equal t a percentage of a value of the property measured upon the origination of the financial instrument. The financial instrument comprises an obligation of the owner to pay to the source of capital, at a time associated with a triggering event, a single payment in an amount equal to a percentage of a value of the real estate (including any amounts encumbered by any lien and any amounts unencumbered by any lien) measured at the time associated with the triggering event. The amount of the single payment may be less than the amount of the cash payment.