Structure Co-ownership Guidance
👉 Don't neglect this stage of the co-buying process. If you leave it to the professionals, you are gambling with your co-ownership. The implications of these decisions can materialize in months, years, or when there is a transfer of ownership.
👉 There are nuances between states. Ask your RE agent and loan officer if they know of any Title considerations unique to your state, county, or city.
👉 Discuss and make decisions on your structure early. The form of Title you choose gets included in your purchase documentation.
👉 Keep it simple. Some co-buyers want to overcomplicate things by looking at complex structures, from more esoteric forms of Title to waterfall equity plans where the division of ownership evolves.
Stick to the well-trodden path unless you are a professional real estate investor with established banking relationships. When you keep it simple, everything is easier to understand, you save time, and you avoid triggering unintended consequences.
👉 Verify that Title is correctly recorded in all purchase documentation when you review and sign docs during closing.
Course Authors
Matt Holmes (LinkedIn) is co-founder and CEO of CoBuy, formed in 2016 to unlock homeownership for everyone. Before hopping a flight to Seattle to start CoBuy with his mother, Matt worked in investment banking and financial markets in London for a decade. He holds degrees from University College London (BSc Economics) and ESCP Business School (Masters, London & Turin).
Pam Hughes (LinkedIn) is Co-founder and COO at CoBuy. She has over 40 years of experience across finance, real estate, insurance, and construction. Pam has committed to personal empowerment through financial education for decades, which inspired her to start CoBuy with her son in 2016. She's best friends with a small dog known as Francis.
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