Pam Hughes

Browser window showing CoBuy's Participation Types educational table with 10 distinct co-ownership roles: Co-owner (person who owns property share, may or may not live there), Occupant Co-owner (owner who lives in property), Non-occupant Co-owner (owner who doesn't live there but has financial stake), Occupant (lives there but doesn't own), Co-borrower (shares loan responsibility, may not be owner), Co-signer (guarantees loan without ownership), Personal Creditor (friend/relative who lends purchase/maintenance money), Renter (pays to live there without ownership), and Dependent (lives there without ownership - includes children, seniors, loved ones with special needs). Each role includes detailed description of legal and financial implications.

Your friend wants to 'go in on a house.'
Great. Are they an owner? Occupant? Investor? All three?

Map roles BEFORE you buy:
1. Who's involved
2. Who lives there
3. Who's on title
4. Who's on the loan

Skip this = legal fees, lost friendships, forced sales.
Define this = clarity.

Lack of a clear understanding and acceptance of roles is the single greatest root cause of major problems amongst those who believe they "co-own".

And repeat

Exactly. The key? Approach co-buying and co-ownership intelligently.

Multiple parties, joint investment, shared upside/downside risk.

Plan, structure, manage: win.

The earlier and more often in your co-ownership that you craft intentional agreements, the better your experience will be.

Dark blue graphic with three phone screens showing decision steps, a contribution threshold, and a finalized agreement. Header text: Co-ownerOS™ — Governance & Agreements. Footer: cobuy.io/annual-pass.

Buying together is hard.
Staying aligned is harder.

That’s why we’ve extended Governance & Agreements in Co-ownerOS™ to co-buyers (not just co-owners).

Make decisions. Build consensus. Generate agreements that are digitally signed & easy to update or re-execute anytime.

More: cobuy.io/annual-pass

Sometimes, a different approach is the ideal one. Co-buying and co-owning property intelligently - better together!

Will we ever get enough housing? The future holds promise How can we achieve more and better housing? Denser neighborhoods. Smaller homes, some modular or printed in 3-D. Properties co-owned. ADUs sold separately.

🏠 CoBuy featured in the LA Times!

Their piece on housing's future highlighted how more friends are co-buying than ever—30% of US home sales now involve co-buyers.

Young people aren't waiting for perfect situations. They're pooling resources to build wealth together.
www.latimes.com/california/s...

It's becoming a sound financial move when planned and managed intelligently.

The only thing 'crazy' about friends buying together (multi-party investment management) = just winging it.

CoBuy: Plan, Co-buy & Co-own Your Home with Co-ownerOS™ Simplify home co-buying & co-ownership with Co-ownerOS™. Your trusted partner to plan, purchase, and manage property together.

We built Co-ownerOS™ for families like Maya's.

For anyone who knows that protecting relationships means getting the details right.

More at cobuy.io

After 9 years helping families navigate co-ownership, here's what we know:

Good intentions aren't enough.

You need frameworks for when life gets complicated.

What would you have done in Maya's situation?

Today?

Three sisters. Equal owners. Zero resentment.

Because they built the structure before they needed it.

(Most families learn this lesson the hard way – through conflict)

Maya's family did something different.

They:
✓ Got the property valued
✓ Drafted a Purchase & Sale Agreement
✓ Used Co-ownerOS™ to build their framework + Agreements
✓ Agreed on everything BEFORE problems arose

It took 3 hours, not 3 months.

Sharing property isn't just about good intentions.

Who pays for repairs?
How are decisions made?
What if someone needs money?

We see this constantly: 94% of co-owners struggle without proper agreements.

She could have kept it all.

Legally, it was hers.

Instead, Maya said: "This belongs to all of us."

But here's the thing...

Text graphic on light background with three statements: "Maya inherited her father's cabin. Her sisters weren't in the will. But her choice changed everything." Black text on white, minimalist design emphasizing a story about inheritance and family.

Maya inherited her father's cabin.

Her sisters weren't in the will.

What happened next surprised everyone – including us.

🧵

Screenshot of CoBuy custom's LinkedIn post showing his Co-ownerOS™ purchase and shout out.

Co-buyers Alex + crew—Pilot Pass in hand. Two years, four co-buyers, $500. Offer shuts 11:59 pm PT.

www.cobuy.io/campaign

Most co-buyers skip legal protection entirely.

This 28 seconds shows what happens next - and why we built Co-ownerOS™ to prevent it.

Last 36 hours at $500: cobuy.io/campaign

Heh, heh! And I missed it.

And to you @holmesosaurusrx.bsky.social

🏅 I scored 100% on the Co-ownership Knowledge Quiz! Think you know the basics? Take the quiz to find out.

🏅 I scored 100% on the Co-ownership Knowledge Quiz!
Think you know the basics? Take the quiz to find out.
quiz.cobuy.io/share-result...

Home co-ownership, simplified • CoBuy CoBuy is a shared homeownership app for friends and family. Plan, manage, and track your co-ownership together—in one place.

We spoke to a group of co-owners who’d been winging it for years—no agreement, no system, just trust and a G doc.

Their feedback after using Co-ownerOS™?

‘Everything slots into place—it’s surreal.’

Common story: most co-owners want structure but don’t know where to start.

Start here: cobuy.io

Friendships thrive on trust—co-ownership thrives on clarity. 🤝

When miscommunication strikes, Co-ownerOS™ keeps decisions documented, finances clear, and everyone aligned.

No more awkward convos, just strong partnerships. 👇

How to Co-own a Home with an Unmarried Partner • CoBuy Unmarried couples can co-own homes, but they need to be strategic. Learn how to protect yourself and de-risk your investment.

Don’t let misalignment strain your relationship—start aligning with your partner today.

We unpack these strategies in this post: How to Co-own a Home with an Unmarried Partner

Check it out! 👇
www.cobuy.io/blog/coown-h...

Ask yourselves:

1. Are our goals aligned?
2. Have we defined roles and responsibilities?
3. Do we have a clear system for managing finances?
Without structure, co-ownership can feel overwhelming.

But with the right systems, it can help you build a home—and a future.

Who’s paying the bills? Who’s managing the home? Misalignment on roles and responsibilities creates stress, resentment, and tension.

Since 2016, we’ve worked with thousands of co-owners, and one thing is clear: structure makes all the difference.

So you wanna buy a home with family members? • CoBuy For our family, the decision to buy and own a home together was easy. The rest was not. Here are the questions we should have asked ourselves.

www.cobuy.io/blog/buy-a-h...

A social media post reads: "My 27M boyfriend and I (28F) own a home together, but two years into owning home we have become miserable. Advice?" Key phrases are highlighted in different colors: "My 27M boyfriend and I (28F) own a home together" in yellow, "become miserable" in red, and "Advice?" in green. The tone conveys frustration and asks for help with co-ownership challenges.

Co-owning a home can strengthen a relationship—or break it.

Why? Misaligned communication, roles, and finances.

When expectations don’t match, resentment builds, and relationships strain. Here’s how to avoid these pitfalls and turn co-ownership into a source of strength. 🧵👇

I would not co-own a home with a stranger. Folks ask us about match-making all the time. That's tough. I'm much more comfortable sharing ownership with folks I know and trust.