Sharing the Keys: Why Co-Buying Is on the Rise in 2025
Affording a home in today’s market isn’t easy—especially for younger buyers or those living in high-cost areas like California. That’s why more people are asking a question that would’ve felt unusual just a few years ago:
“What if I bought a home with a friend, sibling, or even my parents?”
It’s called co-buying, and it’s becoming one of the most creative and realistic ways to get a foot in the door—literally.
From Ventura County to other coastal regions, this strategy is helping buyers overcome price hurdles, pool resources, and step into homeownership sooner. But while the idea is exciting, it comes with some essential planning and communication.
Let’s break down how it works—and how to make it work for you.
What Is Co-Buying?
Co-buying is when two or more people (who are not married) purchase a property together and share the rights and responsibilities of homeownership.
This might include:
- Friends pooling their savings to buy a duplex
- Adult siblings co-owning a single-family home
- Parents and adult children investing together in a long-term property
It can be for full-time living, a second home, or even a shared investment.
Why It’s Gaining Momentum
With home prices pushing past affordability thresholds, especially in areas like Ventura and the surrounding coastal markets, many buyers are exploring new paths to ownership.
Here’s why co-buying is catching on:
- Shared Down Payments and Monthly Costs: Splitting the burden makes buying less intimidating and more doable.
- Building Equity Instead of Renting: Instead of paying rent, co-owners can start building long-term wealth.
- Creative Living Arrangements: Co-buying opens doors to multi-gen households or even live/work arrangements.
In short, it’s a way for buyers to make moves without waiting for the market—or their savings—to change.
What to Consider Before You Co-Buy
Shared ownership is powerful—but it’s also a legal and financial partnership. Before you commit, you’ll want to make sure everyone is on the same page. That means:
1. Have the Hard Conversations Upfront
- Who’s contributing what?
- What happens if one person wants out?
- Who lives there—and who doesn’t?
2. Create a Formal Co-Ownership Agreement
Work with a real estate attorney to draft a clear agreement covering:
- Ownership percentage
- Payment responsibilities
- Exit strategy
- Dispute resolution process
3. Choose the Right Property Title
Co-buyers typically choose between:
- Joint Tenancy: Equal ownership and right of survivorship
- Tenants in Common: Allows unequal ownership shares and separate inheritances
4. Understand the Risks
Finances and friendships don’t always mix. Make sure you can communicate openly and commit to a shared long-term plan.
Is It Right for You?
If you’ve been priced out of the solo buyer market—or simply want to explore real estate in a creative way—co-buying could be the opportunity you’ve been waiting for.
I’ve worked with multi-buyer clients in Ventura County who’ve purchased everything from small single-family homes to duplexes with separate entrances. The key is planning and partnership.
It’s not just about affording a home—it’s about building something together.
Ready to Explore Co-Buying in Ventura County?
Whether you’re buying with a sibling, investing with a friend, or looking for a fresh approach to the market, I’m here to guide you every step of the way. From financial prep to legal referrals and local listings that fit your needs, we’ll make sure you go into co-buying with clarity and confidence.
Let’s talk about what’s possible—together.
