Ownify’s fractional ownership program brings together first-time homebuyers and institutional investors to co-invest in single-family homes. This innovative co-ownership structure allows buyers to enter the housing market with just 2% down, while investors provide the remaining equity to fund the purchase. Together, both parties share in the benefits of property appreciation and long-term equity building.

Ownify’s technology platform streamlines every step of this process, removing traditional barriers and creating a seamless user experience for buyers, agents, and investors alike:

Fast, Inclusive Qualification: Ownify’s cash-flow based underwriting system enables buyers – including those with nontraditional incomes–to qualify for the program within 24 hours. The intuitive application takes just 15 minutes to complete.
Scalable and Secure Systems: The platform seamlessly and securely integrates fraud detection, identity verification, and income validation to help determine an appropriate home price budget for approved customers, ensuring scalability.
Transparency and Control: Buyers track their progress and equity growth through an intuitive dashboard, fostering trust and engagement. For real estate agents, Ownify also offers a powerful technological advantage through its agent portal, which streamlines referrals, tracks applications, and provides co-branded marketing materials. This tool enhances scalability and expands reach, making it easier for agents to connect clients with Ownify’s innovative homeownership solutions.

Benefits for Homebuyers Fractional ownership reimagines the homebuying process, offering buyers an affordable and flexible pathway to ownership. Ownify’s model presents several key advantages:

Debt-free ownership: Buyers start building wealth immediately, benefiting from property appreciation, without needing to take on any debt. This model reduces the homebuyer’s financial stress, the risk of foreclosure during economic downturns, and the over-concentration of their net worth in a single asset.
Low upfront costs: Buyers can secure a home and start building wealth with just 2% down, significantly lowering the barriers to entry. Ownify saves buyers an average of $29K in upfront costs compared to a traditional mortgage.
Ongoing affordability & no surprises: Monthly payments are fixed over the duration of the program and are more affordable than a mortgage, saving homebuyers ~$392 per month on average. Ownify covers maintenance costs, which provides peace of mind and financial predictability for buyers who may otherwise struggle with unexpected expenses.
Higher win rates with all-cash offers: Buyers enter the market as cash-equivalent purchasers, making them more competitive in bidding wars. Ownify offers have an 85% win rate in tight markets.
Support for non-traditional borrowers: Ownify’s model expands access to homeownership for gig economy workers, small business owners, and other non-W2 employees, groups often excluded by rigid mortgage underwriting criteria.

This innovative approach not only makes homeownership more attainable but also helps address long-standing inequities in housing. With over 50% of Ownify’s customers identifying as Black, Latine, or first-generation immigrants, the model is driving meaningful progress in expanding access to historically underserved groups.

Affordable housing through fractional ownership

Affordable housing through fractional ownership