Co-Ownership Buyer Resources

Buying a co-owned second home starts with the property, but the ownership documents determine how you use it, pay for it, and eventually sell. Use this checklist before making an offer.

Before you buy

• Ownership and financing: Confirm what you own, how title is held, who makes major decisions, and whether financing is available for this share.

• Monthly dues and total cost: Compare the purchase price with closing costs, taxes, insurance, utilities, management, maintenance, and reserves. Ask who can raise dues, by how much, and whether special assessments are possible.

• Usage rights: Check how dates and holidays are assigned, whether unused time carries over, and the rules for guests, pets, and rentals.

• Management and liability: Find out who handles repairs and emergencies, what insurance covers, and what happens if another owner misses a payment.

• Resale: Read transfer restrictions, any right of first refusal, expected selling costs, and how the share is priced. Resale value and timing are uncertain.

Explore your options

• Pacaso Buyers — Independent guidance on evaluating a Pacaso purchase.

• Co-Ownership FAQ — Answers about ownership, costs, usage, and resale.

• Fractional Homes — Explore available opportunities.

• Personalized Co-Ownership — Learn how compatible buyers can purchase together.

Talk through a property

Email Christopher Alfred for a buyer consultation. I help Pacaso buyers across all Pacaso markets through its referral model and remain involved while Pacaso handles the transaction. I am licensed in California and Colorado.

Consult an attorney and tax professional about your specific ownership documents and tax position.