Co-ownership Risk Calculator

The Co-ownership Risk Calculator is a financial exposure tool that estimates the potential dollar cost of common co-ownership failures. It uses data from California and Texas court records and federal foreclosure records to model risk across five categories: payment disputes, forced sale or foreclosure, legal battles, death or illness, and relationship breakdown. The tool is designed for groups of co-buyers and co-owners who want to understand what is financially at stake in a shared homeownership arrangement.

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How It Works

The calculator requires two inputs: the home’s value and the number of co-owners. From these, it estimates dollar exposure across each risk category based on observed outcomes in court filings and foreclosure proceedings. The underlying model reflects real-world loss patterns — including the 27% average loss in foreclosure situations, the 5–7% loss on rushed estate sales, and the finding that 36% of households experience expense disagreements — rather than abstract risk scores or self-assessed questionnaires.

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What It Reveals

The output is a per-category breakdown of estimated financial exposure, expressed in dollar amounts tied to the group’s specific property value and ownership structure. This makes the cost of unaddressed co-ownership risk concrete rather than theoretical. Many groups discover that their cumulative exposure across all five categories significantly exceeds what they anticipated, particularly around legal disputes and forced sales where no Co-ownership Agreement exists.

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Where It Fits in the CoBuy Ecosystem

The Risk Calculator is a free standalone tool that quantifies financial exposure. It does not assess group alignment, readiness, or interpersonal dynamics — those dimensions are covered by the CoBuy Wizard. Groups that want to move from understanding risk to actively mitigating it can use Co-ownerOS™ to create agreements, document decisions, and establish the governance structures that address the failure modes the calculator identifies.

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Key Points

• Estimates financial exposure across five co-ownership risk categories: payment disputes, forced sale, legal battles, death or illness, and relationship breakdown
• Uses real data from California and Texas court records and federal foreclosure filings
• Requires only two inputs — home value and number of co-owners — to generate dollar-denominated risk estimates
• Designed specifically for co-ownership groups, not individual homeowners or married couples
• Free standalone tool that complements the CoBuy Wizard and Co-ownerOS™ within the CoBuy ecosystem