Question 1

What exactly do I own?

Accepted Answer

You buy a share of a property-specific LLC that owns one single home. Your ownership is real, deeded and recorded — it appears on title, it can be sold, gifted or passed to your heirs, and it is an appreciating (or depreciating) real asset just like whole ownership. You are a co-owner of a home, not a member of a club.

Question 2

Is this a timeshare?

Accepted Answer

No. A timeshare sells you time — the right to use a room for a fixed period, with no ownership and almost no resale value. Co-ownership sells you equity in one specific luxury home. You own a percentage of the property itself, you share in any appreciation, and you can sell your share on the open market. Timeshares are typically bought from a developer and sold back at a heavy loss; a co-ownership share is priced like real estate because it is real estate.

Question 3

How many owners are there per home?

Accepted Answer

Homes are typically divided into up to eight shares. You can buy one share (roughly six weeks of use per year) or several shares if you want more time. The number of shares is capped so the home never feels crowded and scheduling stays comfortable.

Question 4

Can I buy more than one share, or shares in different homes?

Accepted Answer

Yes to both. Many owners start with a single share to test how a destination fits their life, then add a second share in the same home or diversify across a beach home and a mountain home. We help you model the cost of each option before you commit.

Question 5

What happens if I want to bring family or friends?

Accepted Answer

Your guests are welcome during your scheduled stays. You can also let family use the home without you being present, subject to the ownership agreement — a common arrangement for adult children or parents.

Question 6

Who are my co-owners?

Accepted Answer

Co-owners are vetted buyers who complete the same financial and identity checks you do. Everyone signs the same agreement covering scheduling, care of the home and cost sharing, which is precisely what keeps informal 'buy a place with friends' arrangements from going wrong.

Question 7

How are the homes selected?

Accepted Answer

Homes are chosen for location quality first — walkability, views, proximity to the thing that makes the destination worth flying to — then for build quality, layout and long-term resale demand. A large majority of properties reviewed never make it to market.

Question 8

Are the homes furnished?

Accepted Answer

Yes. Every home is professionally designed and fully furnished before the first owner arrives, down to linens, cookware and outdoor furniture. You arrive with a suitcase, not a moving truck.

Question 9

Who takes care of maintenance, cleaning and repairs?

Accepted Answer

A professional management company handles housekeeping between stays, landscaping, pool and utility service, routine maintenance, bill payment and emergency repairs. Costs are shared proportionally between owners and budgeted annually, so there are no surprise invoices.

Question 10

Can I leave personal belongings at the home?

Accepted Answer

Most homes provide secure owner storage so you can leave golf clubs, ski gear or beach equipment on site. Larger renovations or permanent changes require agreement between the co-owners, as they would in any shared asset.

Question 11

Can the home be rented out to strangers?

Accepted Answer

No — these are owner-use homes, not short-term rental businesses. That is deliberate: it protects the condition of the property and keeps the calendar available to the people who own it.

Question 12

How much time do I get?

Accepted Answer

One share is typically around 44 nights per year — roughly six weeks. Two shares double that. Time is booked through a scheduling app rather than a fixed rota, so your weeks move with your life.

Question 13

How does booking work?

Accepted Answer

Scheduling runs on an equitable rotation. Owners book a mix of short-notice stays and longer, planned trips, and the system tracks who has had first pick so the same person never gets every holiday. You can plan far in advance or book a spontaneous long weekend if the calendar is open.

Question 14

What about Christmas, New Year and peak weeks?

Accepted Answer

High-demand dates rotate between owners year to year. If you have Thanksgiving this year, another owner has first claim next year. Nobody permanently owns the best week.

Question 15

What if I can't use my time one year?

Accepted Answer

Unused nights can often be offered to other owners or, depending on the agreement, carried within the year's booking rules. You are never penalised for a quiet year — you still own the asset.

Question 16

Can I finance a share?

Accepted Answer

Yes. Financing is available for co-ownership shares through lenders who specialise in this asset class, and terms are broadly comparable to a conventional second-home mortgage. Many buyers also use cash, a HELOC on their primary residence, or a combination.

Question 17

How does share-specific lending actually work?

Accepted Answer

A specialist lender underwrites the share itself, using the home's LLC structure and the recorded ownership interest as security. Expect roughly 20–35% down on the share price, fixed or adjustable options with terms commonly between 10 and 30 years, and underwriting that reviews your income, credit and reserves alongside the property's annual budget and management agreement. We introduce you to lenders who already understand co-ownership, so you're not explaining the structure from scratch.

Question 18

Can I use a HELOC on my primary home instead?

Accepted Answer

Many buyers do, and it is often the fastest route. Drawing on equity in your main residence means no second-property underwriting on the share, a close measured in weeks rather than months, and the negotiating position of a cash buyer when a good share comes up. The trade-off is that HELOC rates are usually variable, so model your payment at a higher rate than today's before you commit.

Question 19

What about paying cash?

Accepted Answer

A meaningful number of buyers pay cash, particularly at the $400K–$700K share level. You then carry no interest and no lender conditions, and your only ongoing cost is the monthly operating contribution. You can always refinance later to release the capital. The question worth asking is simply what that cash would have earned if left invested.

Question 20

How much deposit and cash do I need to start?

Accepted Answer

If you're financing, plan for 20–35% of the share price as a deposit, plus closing costs and a few months of the all-in monthly cost held as reserves — lenders typically want to see that. The cleanest way to approach it is backwards: decide the monthly figure you're comfortable with, then work out which share price that supports. The budget calculator on the How It Works page does exactly that.

Question 21

Should I get pre-qualified before I start looking?

Accepted Answer

Yes. Well-priced shares in the strongest destinations move quickly, and being pre-qualified turns a two-week decision into a same-week one. It costs you nothing and it also tells you the honest ceiling of your budget before you emotionally commit to a home above it.

Question 22

Can international buyers get financing?

Accepted Answer

It depends on the country, the lender and the property's location. Canadian and European buyers do purchase shares in US homes; some finance locally against assets at home, others pay cash. Tell us where you're based on the first call and we'll be straight with you about which routes are realistic.

Question 23

What are the ongoing monthly costs?

Accepted Answer

Your share of property taxes, insurance, utilities, housekeeping, maintenance, a reserve fund and professional management is combined into one predictable monthly payment. Because it is split between owners, the running cost of a multi-million-dollar home becomes a fraction of what sole ownership demands.

Question 24

Are there hidden or special assessments?

Accepted Answer

Budgets are set annually with a reserve for larger items such as roofing or appliance replacement, which is exactly what prevents surprise assessments. You see the budget before you buy and each year thereafter.

Question 25

What are the tax implications?

Accepted Answer

Property taxes are shared proportionally and, depending on your jurisdiction, portions of ownership costs may be treated similarly to any second-home interest. Every buyer's situation differs, so we recommend confirming details with your own accountant or tax adviser — we're happy to give them the paperwork they need.

Question 26

What does it cost to work with you?

Accepted Answer

Nothing. Our advisory service is free to buyers. We're compensated by our second-home partners when a purchase completes, which means our incentive is to find you a home you'll keep — not to push whatever is easiest to sell.

Question 27

What does the first year actually feel like?

Accepted Answer

You book your stays in an app, arrive to a home that has been cleaned and stocked, and leave without arranging anything. Between visits, management handles the property. Most owners describe the difference from whole ownership as 'the parts I loved, without the parts I dreaded'.

Question 28

What if there's a problem while I'm staying there?

Accepted Answer

Every home has a local management contact for on-the-ground issues — a broken appliance, a pool service call, a lost key. It is handled the same way a good hotel would handle it, except it's your house.

Question 29

Do co-owners ever meet or need to coordinate?

Accepted Answer

Rarely, and only if they want to. Scheduling, budgets and maintenance decisions run through the management structure, so ownership doesn't require group chats or committee meetings.

Question 30

Can I pass my share to my children?

Accepted Answer

Yes. Because your share is real, deeded property held through the LLC, it can be placed in a trust, gifted or inherited like any other real-estate asset.

Question 31

How do I sell my share?

Accepted Answer

Shares can be listed and resold on the open market once the initial holding period has passed. You set your asking price, and resale support handles marketing and the transfer of ownership to the incoming buyer.

Question 32

Do I keep the appreciation?

Accepted Answer

Yes. If the home has appreciated, that gain belongs to you in proportion to your share — and equally, if the market softens, your share reflects that. This is ordinary real-estate exposure, which is precisely what a timeshare does not give you.

Question 33

Is there a minimum holding period?

Accepted Answer

There is typically a short initial period (commonly around twelve months) before a share can be resold. It keeps ownership groups stable and protects the value of everyone's share.

Question 34

What if I want to sell but the market is slow?

Accepted Answer

You have the same options as any property owner: adjust price, wait, or explore selling to an existing co-owner who wants more time in the home. We'll walk through the realistic scenarios with you before you buy, not after.

Everything buyers ask us before they own.

Buying & Ownership Basics

The Homes & Listings

Scheduling & Time in the Home

Still have questions?

Financing & Costs

Life as an Owner

Selling & Exiting

Still have a question? Ask a specialist.