How Co-Equity Works
Three steps to home ownership — no mortgage, no massive down payment, no credit score gatekeeping.
1
Browse Available Homes
Explore homes in your preferred neighborhood. Each listing shows the monthly co-equity payment, equity accumulation schedule, and estimated buyout timeline. Filter by location, price range, and home type.
See monthly cost breakdown (occupancy + equity + maintenance)
View equity growth projections over 5, 7, and 10 years
Schedule tours directly through the platform
2
Apply & Get Approved
Our application takes under 15 minutes. We evaluate your income stability and rental history — not your credit score. No mortgage pre-approval needed, no bank paperwork, no 30-year commitment upfront.
No minimum credit score requirement
Income verification through secure bank linking
Approval decision within 48 hours
3
Move In & Build Equity
Move into your new home immediately after approval. Each monthly payment grows your ownership stake. Track your equity in real-time through your dashboard. Buy out the remaining equity whenever you're ready.
Typically 30-40% of each payment goes toward equity
Full buyout option available after year one
Share in the home's appreciation over time
Frequently Asked Questions
How does co-equity home ownership work?
Co-equity lets you move into a home with no down payment. An investment platform purchases the home, and your monthly payment covers occupancy plus equity accumulation. Over time, your ownership stake grows until you can buy out the full home or sell your equity share.
Do I need a mortgage or good credit score?
No mortgage is required for co-equity. We evaluate income stability and rental history rather than traditional credit scores. If you can comfortably afford the monthly payment, you likely qualify.
What is included in my monthly payment?
Your monthly payment covers three components: occupancy (like rent), equity purchase (growing your ownership), and maintenance reserve. Typically, 30-40% of your payment goes toward equity.
Can I buy out the full home?
Yes! You can buy out the remaining equity at any time after your first year. The buyout price is based on fair market value at the time of purchase. Many residents reach full ownership in 7-10 years.
What happens if I want to move out?
You can sell your equity stake back at fair market value with 60 days notice. Your accumulated equity is returned to you, minus any outstanding fees. No prepayment penalties.