RTO Homes

H.O.M.E

Unlock Homeownership Sooner with a Co-Owning Partner

Achieve your dream of owning a home without the stress of additional debt

Your Path to Homeownership Starts Here

Owning a home is a significant milestone, but saving for a 20% down payment can be challenging. We’re here to make it possible. As your co-owning partner, we contribute 5% to 15% of the home’s value, helping you reach that 20% down payment faster and start your journey to homeownership sooner. This isn't a loan, so there’s no interest or additional debt—just a shared investment in your future. To get started, simply complete the evaluation form and we take it from there.

Simplifying the Homebuying Process

We invest alongside you to make homeownership a reality. Here’s how it works:

Co-Investment

We contribute a portion of the down payment, reducing your mortgage burden.

Shared Equity

Our investment earns us a share in the home’s future value, aligning our interests with yours.

Flexible Options

You’re free to sell the home or buy out our share whenever it suits you.

Imagine purchasing a $1M home. With an 8% contribution from you and a 12% contribution from us, we achieve a 20% down payment together. You own 40% of the equity, and we own 60%. When the home appreciates, we share in the gains.

Real-World Example: Growing Your Investment Together

Let’s fast forward a few years. Your home, originally purchased for $1M, is now worth $1.5M. Over time, you’ve paid off $100,000 of the mortgage principal. Here’s how the sale works:

The bank is paid back first.
You get back the mortgage payments you’ve made.
We split the remaining appreciation according to our equity split.

Financial Breakdown

- Sale Price: $1.5M
- Remaining Mortgage: $700K
- Net Proceeds: $800K
- Return of Mortgage Principal: $100K
- Net Appreciation: $700K
- Homeowner’s Share (40%): $280K + $100K ... mortgage principal = $380K Total
- Partner’s Share (60%): $420K Total

Don’t Let Homeownership Slip Away

Homeownership is within reach. With our co-ownership model, you can secure your dream home sooner without the stress of additional debt. Whether you’re ready to buy now or just exploring your options, we’re here to help you every step of the way.