{"id":9370,"date":"2024-01-10T11:05:47","date_gmt":"2024-01-10T11:05:47","guid":{"rendered":"https:\/\/topat10.com\/?p=9370"},"modified":"2024-01-10T11:05:47","modified_gmt":"2024-01-10T11:05:47","slug":"housing-affordability-has-gotten-so-bad-that-15-of-buyers-are-purchasing-a-home-with-a-non-romantic-co-buyer-its-like-carpooling-for-homes","status":"publish","type":"post","link":"https:\/\/topat10.com\/?p=9370","title":{"rendered":"Housing affordability has gotten so bad that 15% of buyers are purchasing a home with a non-romantic co-buyer. \u2018It\u2019s like carpooling for homes\u2019"},"content":{"rendered":"\n
\n

The housing market is the least affordable it\u2019s been since 1984<\/a>, and the generation that struggled to get off their feet in the \u201880s, the boomers, has the cash and the equity today to muscle millennials out. Enter \u201ccarpooling for homes.\u201d<\/p>\n

Austin Allison, CEO and co-founder of property brokerage Pacaso<\/a>, sees the growing trend of co-ownership as a kind of life hack, the way you would with a commute. \u201cCo-ownership is like carpooling for homes,\u201d he tells Fortune<\/em>. \u201cCo-owning with family or friends offers a solution, lowering the entry barrier and addressing affordability challenges.\u201d<\/p>\n

Opendoor Technologies<\/a>, an online company that buys and sells residential real estate, found in a study on first-time homeownership<\/a> in late 2022 that co-buying is in fact becoming more common for first-time home buyers, particularly millennials. Jennifer Patchen, an Opendoor real estate broker, says this should be no surprise since that generation is the one that first introduced crowdfunding and millennials are also notorious for wanting to generate passive income<\/a> and work side hustles.\u00a0<\/p>\n

\u201cMillennials are often the ones looking for alternative strategies for funding a home and are really leading the charge for redefining traditional homeownership,\u201d Opendoor\u2019s Patchen tells Fortune<\/em>. \u201cThe primary drive of co-ownership is cost saving. Co-buying allows millennials to buy now, securing an affordable place to live in the present, while setting up a solid investment for the future.\u201d<\/p>\n

More recently, a report<\/a> by JW Surety Bonds<\/a> shows that nearly 15% of Americans have co-purchased a home with a person other than their romantic partner\u2014and another 48% would consider it.<\/p>\n

The market has gotten so unaffordable because of mortgage rates that reached two-decade highs in late 2023, and home prices trended up nationwide, Hannah Workman, a spokesperson with JW Surety Bonds<\/a>, which provides bond and insurance services to mortgage brokers, contractors, and other businesses, tells Fortune<\/em>. \u201cCo-ownership helps buyers share the financial strain of owning a home, making it more affordable for those who can\u2019t afford to buy one independently.\u201d JW Surety Bonds surveyed more than 1,000 Americans for the study, released Jan. 2. Preferred co-buyers among respondents include a friend, sibling, parent, and extended family.\u00a0<\/p>\n

But this trend also tells a dark story about what\u2019s become of the American Dream of homeownership.<\/p>\n

Whither the millennial American Dream?<\/h2>\n

In October 2023, mortgage rates peaked at 8%<\/a>, a two-decade high, and have since dropped to 6.8%<\/a> as of Tuesday. Elevated home prices<\/a> across the U.S., along with consumer challenges associated with an inflationary period, have made homeownership the least accessible it\u2019s been in decades\u2014particularly for younger generations.\u00a0<\/p>\n

Gen Zers and millennials have found increasingly creative ways to generate the income they need for a down payment and sky-high monthly mortgage payments, like taking on side hustles<\/a> and asking for money from family and friends<\/a>, so the concept of co-buying is just another hack to break into an unbearable housing market.\u00a0<\/p>\n

Baby boomers<\/a> came out on top of the 2023 housing market, sitting on either completely paid-off homes or with low mortgage rates nabbed during or before the pandemic. That left millennials and Gen Zers with the scraps of starter homes left on the market and mortgage rates that hadn\u2019t been seen in decades.\u00a0<\/p>\n

That\u2019s why co-buying has been more attractive for these two generations. It allows them to achieve homeownership at a younger age without as much overhead investment.\u00a0<\/p>\n

JW Surety Bonds\u2019 study also shows a split in generations\u2019 motivations for co-owning.\u00a0 Gen Z is the most interested in co-buying a home for a personal residence, it found, while older generations are most interested in doing so as an investment opportunity. Some of the top benefits of co-owning a home include sharing costs, affording a better home, an investment opportunity, and sharing responsibilities for the home, according to respondents.<\/p>\n

\u201cThe future of co-buying could redefine the definition of traditional American home ownership,\u201d Patchen says. \u201cWhile we don\u2019t have a crystal ball, buyers are getting creative in order to make their dreams of homeownership in the U.S. a reality.\u201d<\/p>\n

Christopher M. Naghibi, executive vice president and chief operating officer at First Foundation Bank<\/a>, also says he has seen more non-romantic partners buying properties together\u2014especially during the past year.\u00a0\u00a0<\/p>\n

With mortgage rates as high as they are, \u201cpeople can\u2019t buy homes without pooling resources and working together to create \u2018pseudo-households\u2019 where their purchasing power combined can get them into a property where they can share in the equity upside,\u201d he tells Fortune.<\/em><\/p>\n

The pitfalls of co-ownership<\/h2>\n

While co-ownership has undeniable appeal in the form of cost savings, it has plenty of pitfalls, too. It\u2019s an \u201cinteresting animal,\u201d said Nikki Beauchamp, an associate broker at Sotheby\u2019s International Realty<\/a> who has worked with clients pursuing co-ownership in New York City. Homeownership is \u201cgenerally already complicated and not suited to non-traditional scenarios,\u201d because condos and townhomes are more popular purchases in New York City than single-family homes.<\/p>\n

\u201cGiven the affordability crisis that permeates much of the U.S. at the moment, I think there is a great likelihood that people will look at [co-buying] as a more viable option in order to own property,\u201d she tells Fortune<\/em>.\u00a0<\/p>\n

But co-ownership has challenges of its own, she reminds buyers.<\/p>\n

\u201cWhen you are buying with anyone, you need to consult with attorneys and tax professionals, and also consider what the plan is in case of\/when a participant passes,\u201d she says. \u201cThings become exponentially more complicated when there is a death involved.\u201d<\/p>\n

Death is one of the less common endings to co-ownership, though. More commonly, friends can have a falling out. Someone may need to move\u2014or may lose their job. The report by JW Surety Bonds shows that top concerns among respondents include interpersonal conflict, legal and financial complications, potential for financial loss, and difficulty selling or transferring ownership.<\/p>\n

Patchen suggests running through a four-part checklist before considering co-ownership. This includes aligning on financial expectations, conducting credit checks, considering a mortgage strategy, and agreeing on an exit strategy.<\/p>\n

\u201cAs shared ownership gains a broader recognition and acceptance, it may become as popular as finding a roommate for renting is in today\u2019s world, with the added benefit of being a potentially very profitable investment,\u201d she says. But \u201cthere\u2019s always going to be a risk in co-ownership, as an unexpected relationship breakup, romantic or not, is never out of the question.\u201d<\/p>\n<\/div>\n

Subscribe to the CFO Daily newsletter to keep up with the trends, issues, and executives shaping corporate finance. Sign up<\/a> for free.<\/div>\n\n","protected":false},"excerpt":{"rendered":"

The housing market is the least affordable it\u2019s been since 1984, and the generation that struggled to get off their feet in the \u201880s, the boomers, has the cash and the equity today to muscle millennials out. Enter \u201ccarpooling for homes.\u201d Austin Allison, CEO and co-founder of property brokerage Pacaso, sees the growing trend of […]<\/p>\n","protected":false},"author":49,"featured_media":9371,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[123],"tags":[],"class_list":["post-9370","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business"],"yoast_head":"\nHousing affordability has gotten so bad that 15% of buyers are purchasing a home with a non-romantic co-buyer. \u2018It\u2019s like carpooling for homes\u2019 | Unlock Informed Choices with Us<\/title>\n<meta name=\"description\" content=\"Gen Zers and millennials are leading the charge on co-ownership in a historically challenging housing market\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, 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Lake","author_link":"https:\/\/topat10.com\/?author=49"},"uagb_comment_info":1,"uagb_excerpt":"The housing market is the least affordable it\u2019s been since 1984, and the generation that struggled to get off their feet in the \u201880s, the boomers, has the cash and the equity today to muscle millennials out. 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