Priced out of buying alone? You are not stuck. Two incomes buy a very different home than one. CoBuy LA helps you purchase a place together the smart, legal, well documented way, and if you do not have a co buyer yet, we help you find one.
Your LA Co-Buying Playbook is on its way. Want us to run the numbers on your situation? Book a free 30 minute strategy call.
The median home in neighborhoods like Silver Lake and Highland Park runs well over a million dollars. A one bedroom rents for close to $3,000. Most people in their 20s and 30s are paying $40,000 a year in rent and building zero equity, because the math on buying solo simply does not work anymore. There is a legal way to fix the math. You buy together.
Most people picture something complicated. It is usually one of two clean, well established structures. We help you pick the right one for your situation.
You and one, two, or three others buy a single home on one shared mortgage. Everyone is on the loan and on the title as tenants in common, with ownership shares that can be equal or split to match what each person puts in. This is how the large majority of co-buyers do it.
Buy a two to four unit property together, and each owner takes their own unit with their own separate loan (a fractional or TIC loan). If one owner ever misses a payment, the others are not affected. This is the specialist path, ideal for LA's small multifamily stock.
We walk you through which road fits on a free strategy call. Road 1 needs no special lender. Road 2 uses the handful of California lenders who finance fractional TIC loans, and we already know them.
A real example. Two buyers purchasing one home in Northeast LA on a shared mortgage, versus each trying to buy alone.
| Line | Buying alone | CoBuy (your half) |
|---|---|---|
| Down payment (10%) | $90,000 | $45,000 |
| Mortgage you carry | $810,000 | $405,000 |
| Approx. monthly payment | $6,400 | $3,200 |
| Income needed to qualify | ~$230,000 | ~$115,000 each |
| Your share of the cost | out of reach | roughly half |
These numbers are illustrative and depend on rate, price, down payment, and credit. On a free 30 minute strategy call, we run the real math on your income and the neighborhoods you actually want.
A feel for the kinds of LA homes that work well for two or more buyers. These are representative examples to show the idea, not active listings. When you are ready, we pull real homes that fit your budget, your co-buyer, and your neighborhoods.
Two units under one roof. Each buyer takes their own unit and their own fractional loan, so neither one depends on the other's payments.
One lot, two places to live. Buy together on one shared mortgage, one owner takes the main house, the other the backyard ADU. A natural fit for our SB9 and ADU work.
Two friends or a couple buy one home together and split it. The most common path: one mortgage, both on title, ownership shares set to match what each puts in.
Three co-buyers, three units, three separate loans. A bigger version of the same idea for groups who want to own together but keep their own front door.
Representative examples only, not active listings, and not an offer to sell. Homes are matched to you on financial and practical fit alone: budget, financing, neighborhoods, and timeline. Figures are illustrative and vary with rate, price, down payment, and credit.
Plenty of people want to co-buy but do not have the right partner. We keep a pool of serious, pre approved LA buyers and introduce compatible ones, matched only on the things that actually make a partnership work.
We match on financial and practical fit only: budget, financing, neighborhoods, timeline, how you want to split equity, and how long you plan to hold. Never on any personal or protected characteristic. Every introduction is your choice, and a written co-ownership agreement protects everyone before a single offer goes out.
You have steady income and decent credit, but a solo down payment and mortgage in LA just do not add up. Together, they do.
A friend, a sibling, a partner, anyone you trust and want to build equity with. We structure it so it holds up, on paper, before you buy.
You are serious and pre approved, you just need the right co buyer. That is exactly who our matching pool is for.
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James McDonnell is the broker behind Conscious Communities Real Estate in Pasadena. It is one of the only LA brokerages built specifically around alternative ownership: co-buying, Tenancy in Common, ADUs, SB9 lot splits, and small multifamily conversions.
Once a month we host a free 90 minute workshop covering co-buying, the duplex path, and the Split House strategy for solo buyers. Real math, real LA properties, your questions answered. Seats are limited.
See the next workshop dateStep one is the free Playbook. Step two, if it makes sense, is a free 30 minute strategy call where we run the numbers on your exact situation. No obligation, no pressure, no upsell.
Your LA Co-Buying Playbook is on its way.