How Co-Buying Works | Co-Ownership Guide

What Is Co-Buying?

The Problem

Housing hasn't changed in 100 years. The single-family, single-mortgage model was designed for a different era. Today, median home prices in Massachusetts exceed $650K. Young professionals are stuck renting, building zero equity, with no clear path forward.

The Concept

Co-buying means two or more people purchase a home together, sharing costs, building equity individually, and creating a living arrangement that actually reflects how people live today. It's structured, legal, and increasingly common.

How It Works

Build your profile: Tell us what you want in a home, your budget, your living preferences
Bring your group or get matched: Already know who you want to co-buy with? Invite them directly. If not, we connect you with compatible people based on your preferences.
Find your home: Browse curated properties designed for shared living
Structure the deal: Legal agreements, ownership splits, exit terms, all handled
Move in: Start building equity from day one

Why It's Different from Renting

Feature	Renting	Co-Buying
Equity	✗ None	✓ Build real equity
Monthly Costs	✗ Rising every year	✓ Fixed mortgage + equity
Control	✗ Landlord decides	✓ You're the owner
Tax Benefits	✗ None	✓ Mortgage interest deductions
Stability	✗ Can be evicted	✓ Long-term security

Common Concerns Addressed

Life changes, and we plan for that from day one. The simplest path: a co-owner can rent out their unit and we help manage it, so they continue benefiting from appreciation without needing to sell. If someone needs to fully exit, that's covered too. Before moving in, your group chooses one of three exit paths that works for everyone: the remaining co-owners buy out the departing person's share, a replacement co-buyer is brought in through the Hub, or the group agrees to sell the property. You set the terms upfront, so there's no guesswork if the moment ever arrives.

Co-ownership agreements cover all major decisions: renovations, refinancing, sales, lease terms. Think of it as a prenup for your home. Our legal templates are designed by housing experts and adapted to your specific situation.

Yes. Co-buying uses standard real estate law: tenancy in common, joint tenancy, or equity partnerships. Our platform structures everything through established legal mechanisms. You'll work with a real estate attorney to finalize documents.

Not necessarily. Co-buying lets you pool qualifying power. If one co-buyer has excellent credit, it strengthens the mortgage application. Lenders evaluate the group collectively, not just individually.

What else can we answer?

Insights & Perspectives

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Affordability 5 min read

The Financial Case for Co-Buying a Home

In Massachusetts, the median home price exceeds $650,000. A traditional down payment is out of reach for most professionals.

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Health 4 min read

How Your Home Affects Your Health

Americans spend 90% of their time indoors. Research links housing directly to physical and mental health outcomes.

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Community 4 min read

Why Community-Centered Housing Is the Future

The loneliness epidemic isn't abstract. It's structural. The way we build and buy homes isolates people by design.

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Our Approach 3 min read

What Makes Restored Living Different

Most housing companies are either real estate platforms or co-living operators. We're neither. We help you own.

How Co-Buying a Home Works in Massachusetts