Homeownership with family, simplified
Co-ownerOS™ is an app to manage joint homeownership with relatives. Build wealth and protect—together.
![Product image for Co-ownerOS™. Three phones surrounded by three family members, actual CoBuy customers who are relatives.](https://cdn.prod.website-files.com/6353f8727e625030eaf8b90c/64efe70cf29b6153766d7a9f_cobuy-shared-homeowner-os-family-coowners.webp)
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Owning a home with relatives is complex.
With Co-ownerOS™, it's easy.
We’ve spent 36,500+ 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.](https://cdn.prod.website-files.com/6353f8727e625030eaf8b90c/64f1318fe82397162c6a1d53_decision-making-cobuy.webp)
![Product demonstration from Co-ownerOS™ illustrating ability of relatives who co-own a home to digitally sign Co-ownership Agreements on the platform.](https://cdn.prod.website-files.com/6353f8727e625030eaf8b90c/64f132cac9fc2ea1ccb3b07d_create-agreements.webp)
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
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.
![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.](https://cdn.prod.website-files.com/6353f8727e625030eaf8b90c/64f093bb77053e1b638d082c_exit-strategy.webp)
![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.](https://cdn.prod.website-files.com/6353f8727e625030eaf8b90c/64f134acb860a1c34f977a04_documentation-cobuy.webp)
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.
Why wing it?
Wing it | Pay attorney to draft agreements | Co-ownerOS™ | |
---|---|---|---|
Cost | Free | $5,000 - $10,000 | $30/month/co-owner |
Risk level | High | Elevated | Low |
Protection | None | Moderate | Strong |
Guidance | None | One-time | Ongoing |
Support | None | Limited | Ongoing |
💪 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.
Co-ownership is when two or more people who are not married to one another own a home together.
Friends, family members, or couples—or any combination—can own a home together.
Co-ownership is also called shared homeownership, fractional homeownership, or joint homeownership.
Co-ownerOS™ is an app to help you plan, structure, and manage co-ownership together efficiently and effectively.
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 co-owners in control over the entire lifecycle:
- Avoid guesswork and conflict
- Save $1,000s on legal fees
- Save 120 hours a year on admin
- Protect relationships, investments, and the home
Instead of winging it, you can de-risk, protect, and build wealth.
Co-ownerOS™ helps folks who own a home together:
- Friends
- Family members
- Unmarried couples
- Couples
- Combinations of the above
Today, we're setup to help those who:
1. Co-own a home in the U.S.
2. Co-own a home as a group of 2 to 4 total (excluding renters, kids, anyone not on Title)
We're working to expand our offering.
Co-ownerOS™ subscription:
$30.00 / person / month, paid annually
$22.50 / person / month, paid annually (25% off during private beta and beta)
That’s less than the cost of one cappuccino a week to protect your relationships, investment, and home.
A beta is when our app is opened up for more people to try. During this phase, we invite a larger group to use the app and tell us what they think. Your feedback helps us spot any issues and improve the app before its full release. It's a team effort to make the app the best it can be.
Join the waitlist for our beta here.
Thanks to all our private beta participants! We'll notify private beta participants and folks on the waitlist (in that order) ahead of the beta launch.
Our co-owners say it best
![Headshot of CoBuy customer Torie who co-owns a home with her boyfriend and his father.](https://cdn.prod.website-files.com/6353f8727e625030eaf8b90c/64f24c6fd7d26770082e1eb2_cobuy-customer-torie.webp)
Torie, Robin, Bryan
Unmarried Couple & Father Co-owners
![CoBuy customers Sally and Kate who are mother & daughter co-owners, standing outside the home they own together.](https://cdn.prod.website-files.com/6353f8727e625030eaf8b90c/64f24ca1d07d6fdd704a8aec_cobuy-customers-sally-kate.webp)
Sally, Kate
Mother & Daughter Co-owners
![CoBuy customers and multi-generational joint homeowners from Port Angeles, WA.](https://cdn.prod.website-files.com/6353f8727e625030eaf8b90c/64f123aa25a06fed309006a6_cobuy-customers-christina-fam.webp)
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
✨ Get early access
Missed the Private Beta? Save your spot for the Beta launch this summer!
Direct access to our team + 1:1 support
25% discount off annual subscription
Input on new features and product development