Most of what is written about sharing a vacation home is written by someone selling you one. This library is different. It exists because the best co-ownership decisions are made by people who understand the machinery before they sign anything, whether they buy through a platform like Pacaso or Ember, assemble a group of friends around a kitchen table, or fractionalize a home they already own. Read first. Decide second.
Start here
Fractional Ownership 101
What fractional ownership actually is, how it differs from a timeshare, why it is growing, and the honest case for and against. The foundation for everything else in this library.
The guides
Choosing Your Structure: TIC, LLC, or Something Else
The legal container matters more than most buyers realize. How tenancy in common, LLC ownership, timeshares, and residence clubs actually differ, and the signals that point to each.
Buying a Vacation Home with Friends and Family
The counterintuitive truth: groups of strangers often outlast groups of friends. Why that happens, and the conversations and clauses that keep both the house and the friendship.
Fractionalizing a Home You Already Own
For owners who love a house they no longer fully use. How to sell shares of your own vacation home, price the fractions, and stay on the right side of the law.
Coming to the library
Usage scheduling systems that stay fair through August and the holidays. Exit, buyout, and what happens on death or divorce. The tax treatment of shared vacation property. How to fund the group, including pooling the down payment and financing the rest. And a full cost comparison of Pacaso, Ember, and doing it yourself. We are also assembling a Co-Ownership Agreement Starter Kit, built from real recorded agreements, that will be free to readers.
A note on what this is not
These guides are education, not legal or tax advice. Co-ownership law varies by state, and a real agreement should always pass through an attorney who does this work regularly. What we can promise is a clear map of the territory before you pay anyone to walk it with you.