Homeownership with friends, simplified.
Co-ownerOS™ is an app for friends to manage co-ownership. Plan, protect, and track in one place.
By the original co-ownership experts.
CoBuy featured by
Co-owning with buddies is complicated.
With Co-ownerOS™, it's easy.
We've spent 51,500+ hours and helped hundreds of friends 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 going around in circles.
Create customized agreements
Friendship is awesome, but it'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 each other.
- 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
Define your exit strategy to ensure a smooth transition for the eventual sale, transfer, or unwind of your co-ownership arrangement.
With a solid plan, friendships grow and everyone wins.
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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 each co-owner adds transparency 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 friends—together.
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
“They called out things we had not thought of and helped us craft an operating agreement. I could not imagine going through this without CoBuy.”
“CoBuy worked with us to navigate a system not built for communal home ownership. CoBuy is amazing, I would highly recommend.”
“You want to know that you're taking care of yourself and your co-owner. What things should we talk through? What are all of the risk factors? What are the exit strategies? CoBuy makes it easy. 100% recommend.”