Co-buying is when two or more people purchase a home together, split the down payment, and share monthly costs. Combined income qualifies for financing that no single buyer could get alone. Each person builds real equity from day one. The math that made homeownership impossible for most people in Greater Boston works when you stop trying to do it by yourself.
Co-buying has been done in every configuration imaginable — friends, families, strangers who met online, colleagues who decided to stop paying their landlords. We have studied what worked and what collapsed, and we built our process around the patterns that keep groups together through closing and beyond. Every group is different. The people are different, the finances are different, the goals are different. But there are themes that show up in every successful co-buy, and those themes are exactly what we build around. You do not have to figure out the legal structure, the financing approach, or the co-ownership agreement from scratch. That work is already done. We bring it to your group and adapt it to fit.
A structured program that gets groups ready to buy. Budget alignment. Household agreements. Legal structure selection (TIC, LLC, cooperative). Financing readiness. Groups that complete a Preparation Track enter the market with the same documentation and clarity that $15,000 in legal fees would have produced. We built the track so you don't have to reinvent that process.
Explore tracksOur data pipeline evaluates multifamily properties across Greater Boston for co-buying suitability. Price per unit. Rental income potential. Neighborhood trajectory. How the numbers work split across your specific group. We surface properties that fit your criteria, not the general market. The goal is fewer properties considered and better decisions made.
See the analysisYou graduated and didn't leave. Now you're paying rent separately in the same zip code. Co-buying is what you would have done if someone had shown you how.
You want your kids to grow up near the people who matter to you. The answer is a two- or three-family home, not a suburb you can't afford anyway.
The alternative to assisted living is chosen community. People you trust, sharing a building they own together. That's a financial plan and a quality of life plan at the same time.
You want financial upside and communal upside at the same time. Those goals are not in conflict. A well-structured co-buy produces both.
Start with the concept. Understand the practice, the history, and why it works before you evaluate the company.
Read the guideThe team, the mission, and the reason we built this. What we believe about housing and why it informed every decision we made.
Our storyPreparation Tracks and Property Analysis. How they work, who they're for, and what the process actually looks like.
See the servicesThe foundation of this is community. Come to an event or a session. Meet others thinking the same way and see where it goes.
Find an eventWeekly market data, deal breakdowns, and analysis for people considering co-buying in Greater Boston. No sales. Just information.
Common questions about co-buying and the Restored Living process.
Co-buying means two or more people purchase a property together and share ownership. Each person holds a legal stake in the property — typically structured as Tenancy in Common (TIC) or through an LLC. Everyone contributes to the down payment and splits monthly costs. You build equity together from day one.
Your co-ownership agreement includes a buyout clause that outlines the process. Typically, remaining owners have first right of refusal to purchase the departing owner's share at fair market value. We help you plan for this from day one so there are no surprises.
Equity is typically split based on each owner's financial contribution (down payment + monthly payments). However, you can customize this in your agreement. Some groups split equally regardless of contribution, while others use a proportional model. It's your choice, and we help you structure it clearly before you buy.
Yes. Many co-buying groups include rental income in their strategy — especially in multifamily properties where one unit can be rented to offset costs. Your agreement specifies how rental decisions are made and how income is distributed. Local regulations and your loan type may apply.
Your co-ownership agreement includes a dispute resolution process — typically starting with group discussion, then mediation if needed. For major decisions (like selling), you define voting thresholds upfront. For smaller decisions, one owner can often act independently. Clear communication and written agreements prevent most conflicts before they start.
Not necessarily. In a TIC structure, each person can qualify for their own individual mortgage — you only need to meet the lender's requirements based on your own income and credit. This is a major advantage. In an LLC structure, the group typically applies for a single loan together. Our lending partners specialize in co-buying scenarios and will find the best fit for your group.
Almost any residential property — single-family homes, multifamily buildings (2–4 units), condos, and townhouses. Multifamily properties are especially popular since each owner can have their own unit while sharing common spaces and costs. FHA loans with as little as 3.5% down are available on owner-occupied 2–4 unit properties.
We provide two core services: Preparation Tracks, which guide your group through legal structure selection, budget alignment, and co-ownership agreements before you ever look at a property; and Property Analysis, which evaluates multifamily listings across Greater Boston for co-buying suitability — price per unit, rental income potential, and how the numbers work split across your specific group.
Getting started costs nothing. You can explore the process, attend an event, and ask questions before committing to anything. Our Preparation Track and Property Analysis services are priced for the work involved — not the price of the property. Reach out at hello@restoredlivinghomes.com for current pricing.