Selling Equity in your home with point

[Jake Thornton]

I got a thing in the mail today from a company called point. It was offering me $94,000 to buy equity in my home. I want to get stayed in real estate, and I have been contemplating doing a refi on mortgage, but given fluctuation income over the last couple of years, I've been worried I may not qualify. This seemed like an interesting option. 

From their website "We pay you today for a share of your home’s future appreciation. There are no monthly payments; there is no interest rate; you can buy Point out or sell the home at any time; we can lose money if the home depreciates."

Has anyone used this company before? If so, what was your experience like? 

If you haven't, what are your thoughts on this strategy to get some cash quickly to get started vs a refi or HELOC?