Change is part of life. When you co-own a home, any material change to one co-owner's circumstances can affect you, too.

💵 Changes in income

If one co-owner loses their job or experiences a significant decrease in income, it can strain finances. Financial tension often leads to disagreements about how to cover the mortgage, property taxes, and other expenses.

💼 Changes in employment

If one co-owner receives a promotion, transfer, or new job offer, their living arrangement may need to change. This can trigger a fundamental rethink about the co-ownership arrangement.

🍼 Changes in family size

If one co-owner has a child or adopts a pet, demand for shared space and resources can spur conflict. Disagreements over the use of space and responsibility for additional expenses are some of the most common flashpoints in co-ownership.

🛫 Changes in lifestyle

If one co-owner starts working from home or starts to travel, it can disrupt the routine of the co-ownership. This can lead to disagreements about noise levels, privacy, and who cares for the home when the other co-owner(s) aren't around.

😷 Changes in health

If a co-owner experiences a severe illness or injury, it can burden other co-owners. This can lead to disputes over expense handling, who is responsible for providing care, how to pay for medical expenses, and whether to modify the home.

💍 Changes in relationships

If a co-owner gets married or divorced, it can change the dynamics and lead to disagreements about responsibilities, decisions, and whether to sell the home. New relationships can also impact dynamics between co-owners.‍

⚱️ Death

If a co-owner dies or experiences a death in the family, this can have existential consequences for the co-ownership arrangement and the surviving co-owners.