Homeownership with family, simplified

Co-ownerOS™ is an app to manage joint homeownership with relatives. Build wealth and protect—together.

Join the Waitlist
By the original co-ownership experts.
Product image for Co-ownerOS™. Three phones surrounded by three family members, actual CoBuy customers who are relatives.
Featured by

Owning a home with relatives is complex.
With Co-ownerOS™, it's easy.

We’ve spent 46,500+ hours and helped hundreds of family members 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 family feuds.

Screen from Co-ownerOS™ demonstrating collaboration between family members who co-own a home on determining what dollar amount to set as the minimum balance for their shared financial account.
Product demonstration from Co-ownerOS™ illustrating ability of relatives who co-own a home to digitally sign Co-ownership Agreements on the platform.

Create customized agreements

Family trust is invaluable, but it’s not a legal framework. Co-ownerOS™ helps you get everything in writing to clarify mutually-agreed terms and protect one another.

Create your Co-ownership Agreement

Generate a Memorandum of Agreement

Digitally sign to execute from anywhere

Update anytime with a few taps

More

Plan for the future

As relatives, it’s essential to prepare for when things change. Define your exit strategy to ensure a smooth transition for the eventual sale, transfer, or unwind of your co-ownership arrangement.

Build intergenerational wealth, and keep it in the family.

More
Screen from Co-ownerOS™ demonstrating how family members who co-own a home can use the platform to plan their exit strategy for when co-ownership eventually ends.
Screen from Co-ownerOS™ demonstrating how family members who co-own a home can use the platform to manage all related documents, files, records, and receipts.

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 each co-owner keeps things transparent and ensures your docs are always there when you need them.

More

How it works

Plan, manage, and track co-ownership in one place.

Video captions: Whether you co-own a home with your buddy, your honey, your gran or your fam, Shared homeownership is a big investment with a lot of moving parts. Buying a home together is just the start. You could just wing it, and hope for the best. Or spend thousands in legal fees for a one-off, static document. But why gamble with your home, relationships, and finances? Co-ownerOS puts you in control over the full co-ownership lifecycle. It’s an all-in-one tool to plan, structure, and manage shared homeownership--together. Getting started is easy. Just plug in a few details, invite your co-owners, and verify your identity. Collaborate to define the terms of your co-ownership arrangement in under an hour. An intuitive workflow streamlines joint decision-making with step-by-step guidance. Discuss issues on the line-by-line, make changes, and track your progress. When you're ready--generate, review, and digitally sign Agreements with a few taps. Manage your most important asset, together. You can monitor vitals from the dashboard. Manage all your important documents, files, records, & receipts in the Document vault. When you need to make a change, modify your Agreements and digitally sign to re-execute You can also add or remove a co-owner Soon, you’ll be able to keep track of who owns what in the personal item inventory. Create and manage shared financial accounts. Setup auto-pay for mortgage and bills, Create and manage personal Wills. Schedule & track all property-related events…and Automate risk and event handling. With Co-ownerOS, you spend less, cover your downside risk,…and Enjoy the upside…together.

Don't wing it.

Take control of home co-ownership.
Wing it
Attorney-drafted
CoBuy logo.
Co-ownerOS™
Public Launch Q3
CostTBD$7k-$10k+ *$49/person/mo.
Risk level

High

HighLow
Planning

None

LowGuided
ProtectionNoneLow

Strong

GuidanceNoneNone

Ongoing

SupportNoneNone

Ongoing

*Sources: ABA 2024, Thomson Reuters 2025.

💪 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.

Want a primer first? Explore our free course: How to CoBuy a Home with Friends, Family, or Your Partner.

Our co-owners say it best

"CoBuy provides the education needed to confidently navigate this process. We highly recommend them!"
Headshot of CoBuy customer Torie who co-owns a home with her boyfriend and his father.

Torie, Robin, Bryan

Unmarried Couple & Father Co-owners

"Thank you CoBuy! If you’re interested in co-ownership with family, we can’t recommend them enough!"
CoBuy customers Sally and Kate who are mother & daughter co-owners, standing outside the home they own together.

Sally, Kate

Mother & Daughter Co-owners

CoBuy customers and multi-generational joint homeowners from Port Angeles, WA.
"Before learning about CoBuy, we went to see a lawyer to learn about the legal logistics. We left his office feeling more confused and discouraged than when we went in.

CoBuy has helped us smartly consider our options in joint ownership. We have peace of mind knowing we’ve covered all our bases and have contingency plans for all the what-ifs life can throw your way.

Highly recommend!"

Christina, Edwina, Jason

Married Couple & Mother Co-owners

✨ Join 3,500+ Planning to Co-buy or Co-own

Be first to know when Co-ownerOS™ launches publicly.

Join the Waitlist