Homeownership with your partner, simplified.
Co-ownerOS™ is an app for unmarried couples to manage homeownership. Protect and grow, together.
By the original co-ownership experts.
CoBuy featured by
Homeownership is tough for unmarried couples.
With Co-ownerOS™, it's easy.
We've spent 51,500+ hours and helped hundreds of unmarried couples navigate co-ownership to bring you Co-ownerOS™.
Streamline decision-making
Tackle big decisions—and little ones, too—with expert guidance at every step.
Co-ownerOS™ makes it easy to discuss and get on the same page about finances, ownership interests, rights and responsibilities, risk-handling, and more.
No guesswork, no uncomfortable chats.
Create customized agreements
You love each other, but that's not a legal framework.
Co-ownership works best in writing — Co-ownerOS™ gives you a Co-ownership Agreement that clarifies mutually-agreed terms and protects one another.
- Create your Co-ownership Agreement
- Generate a Memorandum of Agreement
- Digitally sign to execute from anywhere
- Update anytime with a few taps
Plan for the future
Things change. It's not just a breakup you have to think about. Define your exit strategy to ensure a smooth transition for the eventual sale, transfer, or unwind of your co-ownership arrangement.
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Manage paperwork, like a boss
Keep track of all your important files, records, and receipts related to co-ownership in one place. Your secure document vault provides easy access, sharing, and version control.
Blockchain authentication from both partners keeps things transparent and ensures your docs are always there when you need them.
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How it works
Plan, manage, and track co-ownership with your partner—in one place.
Don't wing it.
Ready to take control of home co-ownership? See how Co-ownerOS™ stacks up.
| Wing it | Attorney-drafted | Co-ownerOS™ Annual Pass | |
|---|---|---|---|
| Cost | $0* | $7.5k-$15k+ | $1,000/year (entire group) |
| Time to Agreement | Never | 4-12 weeks | 45 minutes |
| Updates & Changes | Chaos | $1,500+ each | Unlimited |
| Prevents Disputes | No | Unlikely | Yes |
| Group Alignment | None | None | Continuous |
| Lifecycle Support | None | One-time | Full journey |
Co-ownerOS™ Annual Pass
- Cost
- $1,000/year (entire group)
- Time to Agreement
- 45 minutes
- Updates & Changes
- Unlimited
- Prevents Disputes
- Yes
- Group Alignment
- Continuous
- Lifecycle Support
- Full journey
Wing it
- Cost
- $0*
- Time to Agreement
- Never
- Updates & Changes
- Chaos
- Prevents Disputes
- No
- Group Alignment
- None
- Lifecycle Support
- None
Attorney-drafted
- Cost
- $7.5k-$15k+
- Time to Agreement
- 4-12 weeks
- Updates & Changes
- $1,500+ each
- Prevents Disputes
- Unlikely
- Group Alignment
- None
- Lifecycle Support
- One-time
* Average dispute cost: $50k legal fees + relationship
Sources: ABA 2024, Thomson Reuters 2025, CoBuy Research
💪 No guesswork, more upside.
- Save $10k on upfront legal fees
- Save 120 hours a year on admin
- Avoid conflict, court, and probate
FAQs
Your questions, answered.
What is co-ownership?
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.
What is Co-ownerOS™?
Co-ownerOS™ is an app to help you plan, structure, and manage co-ownership together efficiently and effectively.
What does it do?
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?
Who is it for?
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.
What if we don't co-own a home yet?
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.
Not ready? See how your situation compares to other co-buyers and co-owners. Take our free 1-minute Snapshot. Or explore our free course: How to CoBuy a Home with Friends, Family, or Your Partner.
Our co-owners say it best
“CoBuy was most helpful in ironing out the details and helping us ask questions we might not have asked. To have a structured agreement is great.”
“Here are people who know how it works. I feel like our investment is protected and know that if something should happen, we have a plan in place.”
“We had a lot of what-ifs. Each of our parents are [financially] involved as well. The big things for us: to make sure everyone is on the same page and feels secure in their investment. Having a step-by-step process helps, especially with the nitty gritty. Now it's like 'if that happens, we've already got this plan in place'. I would absolutely recommend CoBuy!”