How It Works

Own a home worth millions. Pay for the part you'll use.

Co-ownership isn't a loophole or a membership. It's the ordinary mechanics of real estate, applied sensibly: one exceptional home, a small group of vetted owners, a professional manager, and a deed with your name on it.

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Deeded ownership

Recorded on title. Sellable, giftable, inheritable.

LLC-structured

One home, one LLC, one clear agreement.

Fully furnished

Professionally designed before the first owner arrives.

Vetted co-owners

Everyone passes the same checks you do.

The seven steps, start to finish

Most buyers go from first call to keys in six to ten weeks.

We learn how you actually travel

A short private call. Where you already go, who comes with you, how many weeks a year you'd realistically use, and what you're comfortable spending. This is the part most buyers skip — and it's the reason so many second homes sit empty.

You get a curated shortlist — not a search portal

We come back with a handful of homes that fit the brief, each with the real numbers attached: share price, monthly cost, nights per year and the ownership structure. If nothing fits, we say so rather than filling the list.

Tour the home, in person or virtually

Walk the property, see the neighbourhood, meet the local management team. You'll know within an hour whether it's the place you want to come back to for the next decade.

Buy your share through a property-specific LLC

Each home is owned by its own LLC. You purchase a share of that LLC — real, deeded, recorded ownership of one specific property. Financing is available, and every co-owner is vetted before closing.

Book your time in an app

Roughly 44 nights a year per share, booked on an equitable rotation. Peak weeks rotate between owners, so nobody permanently owns Christmas. Plan a year ahead or a long weekend on Thursday.

Arrive with a suitcase. Leave with nothing to do.

Cleaning, landscaping, utilities, repairs, bills and reserves are handled by professional management and split proportionally. Ownership without the ownership chores.

Sell when it stops fitting your life

After the initial holding period, list your share on the open market at your price. Any appreciation belongs to you in proportion to your share — because you own real estate, not a membership.

Step one takes twenty minutes.

No pressure and no obligation — just a straight conversation about whether this fits your life and your numbers.

Start With a Call

Up to 8

co-owners per home, capped by design

~44 nights

of use per share, every year

1/8th

of the cost of owning the same home outright

40+

destinations across the Americas, Europe and the Caribbean

What it actually costs: a worked example

One share of a $3.2M eight-share home — roughly a $400,000 share price and 44 nights a year. Here's how the monthly running cost breaks down, next to what the same home costs someone who owns it outright.

Monthly line item	Your 1/8 share	Whole ownership
Property taxes	$610	$4,880
Insurance	$135	$1,080
Utilities (power, water, internet)	$115	$920
Housekeeping & turnover cleaning	$190	$1,520
Landscaping, pool & routine maintenance	$160	$1,280
Reserve fund (roof, appliances, big-ticket items)	$120	$960
Professional management	$170	$1,360
Total, excluding any mortgage	$1,500	$12,000

Illustrative figures for a representative home. Actual budgets are set annually per property and shared with you before you buy. There are no buyer-side advisory fees — our service is free to you.

What's my budget?

Model your share in thirty seconds

Tell us how much time you want, where you'd like to own and how much you'd put down. We'll estimate your share price, the all-in monthly cost, projected appreciation and the return you'd see over five years.

How much time do you want?

What kind of destination?

Your share budget

Cash down: 50%

Financing guide

How buyers actually pay for a share

A share is real estate, so it can be financed like real estate. Most buyers use one of the three routes below — or a blend of them. We'll model the monthly number with you before you commit to anything.

Share-specific lending

Best for keeping cash invested

A growing group of lenders underwrite co-ownership shares directly, using the home's LLC structure and the share itself as security. Terms sit broadly in line with a conventional second-home mortgage.

• Typically 20–35% down on the share price
• Fixed and adjustable options, 10–30 year terms
• Underwriting reviews the LLC, budget and management agreement
• We introduce you to lenders who already know this asset class

HELOC on your primary home

Best for speed and flexibility

Many buyers draw on equity in their main residence. It is often the fastest route, keeps the purchase simple, and lets you act like a cash buyer when a good share appears.

• No second-property underwriting on the share
• Draw only what you need, repay on your own schedule
• Rate is usually variable — model a higher rate before you commit
• Closes in weeks rather than months

Cash purchase

Best for lowest monthly cost

A meaningful share of buyers pay cash, particularly at the $400K–$700K share level. Your only ongoing cost is then the monthly operating contribution.

• No interest, no lender conditions, fastest close
• Strongest position when several buyers want the same share
• You can refinance later if you want the capital back
• Weigh it against the return on leaving that cash invested

What lenders look at

• Typically 20–35% down on the share price.
• Credit, income and debt-to-income, as with any second-home loan.
• The home's LLC documents, budget and management agreement.
• Reserves — usually a few months of the all-in monthly cost.

Getting ready in a week

• Decide your comfortable all-in monthly number first, then work back to a share price.
• Get pre-qualified before you fall in love with a home — good shares move fast.
• Ask your accountant about second-home interest and property tax treatment in your state or country.
• Budget closing costs and the first year's operating contribution alongside the deposit.

Talk Through Financing Financing FAQs

General information only, not lending, tax or legal advice. Rates, terms and eligibility vary by lender and by country.

How it compares to the alternatives

Every option below is a reasonable choice for someone. Here's the honest trade-off in each.

Whole second home

Upside: Total control of the calendar.

Trade-off: Full price, full costs, and it sits empty ~10 months a year.

Short-term rentals

Upside: Flexible, no commitment.

Trade-off: You never build equity, and it's never truly your home.

Timeshare

Upside: Low entry price.

Trade-off: You own time, not property — and resale value is famously poor.

Co-ownership

Upside: Real deeded equity in one luxury home, fully managed, six weeks a year.

Trade-off: You share the calendar — which is exactly why it costs a fraction.

This works beautifully if…

• You'd use a second home four to eight weeks a year, not fifty.
• You want equity in the property, not a room reservation.
• You'd rather own one exceptional home than a compromise you can afford outright.
• The maintenance, not the money, is what has stopped you so far.

It's probably not for you if…

• You want the home available every single week of the year.
• You're buying purely as a short-term rental income play.
• You want to gut and rebuild the property to your own taste.

We'll tell you honestly which camp you're in on the first call.

Ready to see what fits?

Browse the curated portfolio, or read the questions other buyers asked first.

Schedule a Call View Portfolio Read the FAQ

Hear it from owners

Two short conversations with people who already made the decision you're weighing up.

"A house you'd only dream about"

How one couple found a home far beyond what they thought their budget allowed.

Emily & Alvaro Ortega

Why co-ownership made a second home finally make sense for their family.