Our Story

We are not a bank.

When you do well, we do well.

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Why We Started

We started Splitero to provide homeowners with better options to access home equity without new debt or additional monthly payments. Our founders are career real estate experts who witnessed firsthand the lack of resources available to homeowners when they most need to access the value trapped in their home equity.

Our Approach

Splitero provides homeowners a lump-sum of cash in exchange for a share of their home’s appreciation or depreciation. These Home Equity Investments (HEIs) help homeowners use their home equity to better their lives. Our unique approach allows us to provide long-term support and services, thereby significantly decreasing the cost to homeowners.

Founding Team Members

Industry leaders with incredible domain expertise

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Homes Acquired
$ 0 B+
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Homes Equity Investments
$ 0 M+
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Loans Originated
$ 0 B
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Years of Real Estate Experience
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Meet our team

Michael Gifford

CEO & Co-Founder

David Zvaifler

COO & Co-Founder

Nicholas Ingram

VP Capital Markets

Corey Aubuchon

VP Product & Engineering

David Durant

VP Engineering

Ben Ginsberg

Director of Business Operations

Rozlyn Mattox

Director of Operations

Stephanie Goss

Director of Capital Markets

Chamone Williams

Director of Servicing & Post Closing

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Michael Gifford

CEO & Co-Founder

A FinTech and PropTech veteran specializing in hyper growth and scale.

Michael founded Splitero to help homeowners better their lives by giving them access to their home equity. He is a consumer-focused executive with a passion for building businesses that do the right things for homeowners.

Before Splitero, Michael served as a Vice President at Sundae. As part of the founding team, he has played an integral role in building Sundae’s marketplace serving homeowners looking to sell their homes off-market in as-is condition.

Previously, Michael was part of the initial team at LendingHome, leading the sales org. While at LendingHome, Michael also owned three HomeVestors Franchises in Southern California and Oregon. Michael has acquired more than one thousand homes and originated more than $250M in single asset loans throughout his career.

Michael earned a Bachelor of Science in Real Estate from the University of St. Thomas.

David Zvaifler

COO & Co-Founder

A real estate entrepreneur specializing in residential investment and brokerage.

Prior to co-founding Splitero, David’s career focused on real estate investment and entrepreneurship – most notably as Founder of Pacific Pines Real Estate, a brokerage specializing in residential investment and development.

Previously, David was COO of Apollo Realty Investments and Vice President of Upward Trend, leading Southern California real estate investment firms. In these roles, David spearheaded over $350,000,000 in single-family acquisitions and sales.

David earned an MBA from the University of Southern California’s Marshall School of Business and a BA in Economics from The University of Arizona.

Nicholas Ingram

VP Capital Markets

Nicholas Ingram is an industry leader in Home Equity Investments (HEIs) specializing in Capital Markets. He pioneered the first ever HEI securitization and non-recourse asset-based warehouse line and is presently a founding member of Splitero, bringing HEIs mass-market.

Prior to Splitero, Nicholas was an early employee at Point where he led the investor, business operations, servicing and vendor teams including credit and pricing. During his tenure he helped grow and scale Point to #1 in HEIs with $350M+ in annualized originations.

Previously, Nicholas was the CEO of Isatus Investments, worked in PwC’s Real Estate Advisory division and at a South African Investment Bank, Investec, accumulating $300M+ in real estate transaction experience.

Nicholas earned a Bachelor of Science in Mathematics and Psychology and a Bachelor of Commerce in Finance and Management from the University of Sydney.

Chris Killens

VP Legal & Compliance

Chris Killens is the VP of Legal and Compliance at Splitero. Prior to joining Splitero, Chris served as Associate General Counsel at Better, one of the fastest home ownership platforms in the US, where he helped build out the company’s legal and compliance functions and chaired the Enterprise Risk Management Committee. Before Better, Chris was Senior Legal Counsel at Partnerize, a leading partnership SaaS provider, where he oversaw the US and APAC legal functions from 2017-2019 and General Counsel at Ethika, a high-growth lifestyle and apparel brand, from 2015-2017. Prior to Ethika, he was a lawyer with McGuireWoods, an AmLaw 100 firm, where he served as counsel to a variety of public and start up companies in a variety of sector

Chris earned a Bachelor of Arts in Business Administration from California State University, Fullerton and a JD from the University of Southern California.

Ben Ginsberg

Director of Business Operations

Ben is a Prop tech Veteran and residential Real Estate expert. He began his career in the residential redevelopment sector where he oversaw and coordinated the acquisition, development and resale of over 2,000 properties on the west coast. Ben worked for leading investors in the space including PGI Investments and Wedgwood. He then went on to found GFR Properties. Ben tranistioned into the Prop Tech space and joined Sundae at a very early stage where he built out the Market Expert role, launched the first four markets and worked across departments on Sales, Operations, and new Product Launch. Ben was born and raised in San Diego, and attended college at The University of California Berkeley where he earned a Bachelors of Arts and a Bachelors of Science in Urban Development and Sustainability. In his free time he enjoys the outdoors with friends and family while surfing, hiking, camping and exploring California and the rest of the world.

Rozlyn Mattox

Director of Operations

Rozlyn began her real estate career in 2012 as a residential mortgage closing officer. After gaining additional experience in commercial real estate, Rozlyn joined Home Partners of America, focusing on single-family residential acquisitions.

She oversaw different facets of the acquisitions process including Applications, Underwriting, Transactions, Leasing, and HOA, before becoming the Director of Acquisitions. During her management tenure, she oversaw the acquisition of approximately 11,600 homes valued at over $4 billion. The company was recently acquired by Blackstone.

Rozlyn attended Cal Poly San Luis Obispo where she earned her Bachelor of Science in Recreation, Parks, and Tourism Administration. In her free time, Rozlyn enjoys hiking, traveling, and spending time with her family.

Stephanie Goss

Director of Capital Markets

Stephanie began her career at PIMCO in the Client Management group servicing Endowment and Foundation clients with multi-billion dollar fixed income and alternatives portfolios.

Prior to joining Splitero, Stephanie was with PeerStreet, a leading marketplace for real-estate debt. During her tenure, she served as a Director of Capital Markets and was later promoted to Senior Director of Marketplace Strategy, where she was responsible for institutional client servicing and oversaw pricing and allocation of the PeerStreet loan portfolio, totaling over $4 billion and 12,000 loans.

Stephanie earned a Bachelor of Arts in Economics from Stanford University.

The Values we live by

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We are transperent

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We do hardwork

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We love what we do

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We are genuinely diverse

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