Plan, Co-buy & Co-own Your Home, Simplified.
Plan, budget, and manage together—Co-ownerOS™ is your trusted partner from co-buy planning to agreements and ongoing management.
💪 No guesswork, more upside.
We’ve worked 46,500+ hours tackling co-ownership, so you don’t have to.
One tool to manage home co-ownership, together.
Money matters
Plan contributions, expenses & payments from day one.
Ownership
Define structure and share percentages before you buy.
Risks
Identify risks early, safeguard interests, set proactive remedies.
Admin
Streamline tasks—from initial planning to day-to-day management.
Rights & responsibilities
Align on goals, roles, and expectations—flexibly.
Exit strategy
Plan for an eventual sale or transfer long before you need it.
Built to make co-owning a home easy.
Co-ownerOS™ puts you in control over the full ownership lifecycle.
Set your terms
Co-create terms while you’re planning the purchase and keep them current as life changes. Guided steps streamline decisions—cut drama, boost clarity.
Create flexible agreements
Draft, review & digitally sign your agreements before closing. Updates are easy—edit, re-approve, and the blockchain records every version.
Organize docs, records, receipts
Securely store contracts, inspections, insurance policies, and more—from pre-approval to resale. Shared vault, version control, anytime access.
Seriously secure.
You control your data. We go to great lengths to keep it safe and secure.
Multi-factor ID verification
Government ID cross-referenced with live imaging and personal verifiers.
Blockchain authentication
Smart contracts from the world's fastest, most secure blockchain network.
256-bit advanced encryption
Data encryption algorithms used by the United States National Security Agency.
Cover your risk, build wealth.
With Co-ownerOS™, manage your co-investment like a pro—and enjoy the upside.
Nobody knows co-ownership better. We've worked with thousands of co-buyers and co-owners, and been there ourselves.
Save $10k on upfront legal fees
Eliminate 120 hours of annual admin
Avoid conflicts, court, and probate
Minimize unexpected tax consequences
Plan your exit strategy
FAQs
Your questions, answered.
Co-ownership is when two or more people who are not married to one another own a home together.
Friends, family members, couples—or any combination—can own a home together.
Co-ownership is sometimes called shared homeownership or joint homeownership.
Co-ownerOS™ is an app to help you plan, structure, and manage co-ownership together efficiently and effectively.
With Co-ownerOS™, you’re able to manage co-ownership like a pro:
🤝 Streamline decisions
💸 Plan finances, expenses, payments
📝 Create a Co-ownership Agreement in 45 minutes
✍️ Digitally sign from anywhere
🔐 Manage key documents
🚪 Define an exit strategy
🪄 Update anytime
Co-ownerOS™ puts you in control over the full co-ownership lifecycle.
• Avoid guesswork and conflict
• Save $1,000s on legal fees
• Save 120 hours a year on admin
• Protect relationships, investments, and the home
Why wing it when you can de-risk, protect, and build wealth?
Co-ownerOS™ serves both Co-buyers and Co-owners:
✅ Co-buyers planning to purchase a home together.
✅ Co-owners who already share a property.
It works for relationship types including:
• Friends
• Relatives
• Unmarried partners
• Any combined group
We support groups of up to four people on Title to a U.S. residential property.
We're working on expanding access for more use cases.
Great—Co-ownerOS™ is built for Co-buyers too:
• Align budgets, contributions, and risk safeguards before you make an offer.
• Co-create terms and generate your agreement in minutes, ready for digital signatures at closing.
• Stay on one platform from first brainstorm through exit strategy—no hopping between apps.
Ready to start?
See our Pricing page.
Want a primer first? Explore our free course: How to CoBuy a Home with Friends, Family, or Your Partner.
Leading industry pros agree.
"Homeownership is not one-size-fits-all. CoBuy gives you the resources to make homeownership adapt to your needs while covering all of the practical and technical bases."
Edward Ong
Principal • Broker • Attorney
Corpen Real Estate Group
“CoBuy helps folks to set up a framework for co-ownership so that things go smoothly and the individuals involved are protected. Efficient, effective, everybody wins.”
Trevor Reese
Area Manager
Revolution Mortgage
"It's important to get all parties on the same page on issues that don’t show up on loan or purchase documents. Having CoBuy to manage this can make all the difference."
Frank Sandoval
Loan Officer
U.S. Bank
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