Co-Ownership

Learn how Co-Ownership works to make your dream home affordable!

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Enhanced Purchasing Power

Access to Prime Locations: By combining multiple incomes and savings, co-owners can afford homes in high-demand neighborhoods, near top schools, or in luxury vacation spots.
Larger Property Sizes: Co-buying often allows groups to move from standard apartments to spacious, multi-bedroom detached homes or high-end properties with premium amenities.
Stronger Mortgage Eligibility: Multiple applicants can combine credit histories and incomes, often leading to higher pre-approval amounts or more favorable loan terms.

Split Upfront Costs: The down payment and closing costs are divided among all parties, significantly lowering the initial barrier to entry for first-time buyers.
Lower Ongoing Expenses: Monthly mortgage payments, property taxes, utilities, and insurance are shared, freeing up individual cash flow.
Shared Maintenance Costs: Expensive repairs and routine upkeep—such as roofing, landscaping, or pool maintenance—are split, making long-term preservation of a high-value asset more sustainable.

Early Market Entry: Co-ownership enables buyers to stop renting and start building equity years sooner, even in volatile or high-priced markets.
Asset Appreciation: Because owners hold a deeded interest, their share’s value grows in line with the overall property market.
Portfolio Diversification: Managed co-ownership models allow investors to own shares in multiple properties across different locations rather than tying all capital into a single asset.

“Turn-Key” Luxury: Many modern co-ownership platforms (like Pacaso or Ancana) provide professional management, handling all cleaning, maintenance, and interior design so owners can simply arrive and enjoy their time.
Intentional Community: For some, co-ownership solves the “loneliness epidemic” by providing a built-in support system for shared child care, pet care, or daily chores.
Efficient Usage: Particularly for vacation homes, co-ownership ensures properties do not sit vacant for most of the year, which is both economically and environmentally more efficient.

Tailored Ownership Structures: Agreements like Tenancy in Common allow for unequal ownership percentages (e.g., 70/30) based on financial contribution, while Joint Tenancy offers automatic survivorship rights.
Clear Exit Strategies: Professional platforms often include built-in resale marketplaces or 12-year exit strategies, making it easier to sell an individual share compared to the lengthy process of selling a whole house.

	User (Homeowner)	Shared (Overlap)	Investor (Partner)
Initial Setup	* Identifies the home	* Establishes 50/50 joint ownership.	* Provides remaining funds (equity investment).
Ongoing Phase	* Moves in & lives in the home.	* Benefits from home appreciation.	* Receives monthly payments from user (if applicable).
Exit Strategy	* Can choose to buy out investor.	* Receives proportional share of sale proceeds.	* Can be bought out by user

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