My elderly father got involved with Centara Capital through their Equitykey business and was taken advantage of. Basically what Equitykey does is target elderly people and convince them to sacrifice large portions of their future home appreciation in exchange for a small up front sum amount. Since there are no mortgage payments and no obligation to pay the initial amount back they advertise that their arrangements allow for people to have access to cash "without incurring any debt". But what you get is infinitely worse than any debt due to the lopsided nature of the contract.Their victims cannot discern the riskiness of the arrangements due to their age and complicated structure of the agreements. The worse case scenario is the possibilty of the person being displaced from their home when they cannot come up with enough cash as the amount becomes due years later. Title companies have no idea what to call these and they end up as being named loans with massive balloon payments on the closing documentation,Additionally even though Equitykey balks at these being called loans, they seem to have no problem asking for interest on any amounts due. Avoid anyone associated with this organization. There is literally nothing beneath them if they see an opportunity