CoBuy
CoBuy operates Co-ownerOS™, a US-only web platform that helps groups of up to four people — unmarried couples, friends, relatives, and multi-generational families — plan, structure, and manage non-spouse home co-ownership from purchase through exit, monetizing via a $1,000/year Annual Pass and a $250 Wizard decision tool.
- Company typePrivate
- Founded2016
- HeadquartersSeattle, United States
- Headcount1–10
- GTM typeB2C
- OfferingSoftware
What CoBuy does
CoBuy is a Seattle-based real estate technology company that operates Co-ownerOS™, a web-based operating system purpose-built for non-spouse home co-ownership in the United States. Founded in 2016 by Matt Holmes and Pam Hughes after their own struggles co-buying a home, the company serves groups of up to four people — including unmarried couples, friends, relatives, and multi-generational households — who are planning to purchase a property together or who already co-own one. CoBuy reports working with 3,500+ co-buyers, accumulating 51,500+ hours of domain experience, and maintaining a proprietary dataset of 6,200+ co-buyers across all 50 US states and Washington D.C.
The Co-ownerOS™ platform delivers the full co-ownership lifecycle: governance workflows that align groups on finances, ownership shares, and exit terms before purchase; a Co-ownership Agreement generator that produces legally usable agreements in approximately 45 minutes; a multiplayer Document Vault with version control and blockchain-anchored authentication via Algorand smart contracts; a shared Property Events Calendar with reminders; and tools for ongoing administration. Supporting products include the CoBuy Wizard™ ($250 per group, delivering a CoBuy Decision Brief™ within 48 hours) and a free 60-second Snapshot comparison tool. The company also runs the CoBuy-certified™ Pro credentialing program, launched December 2025, which trains a network of 200+ real estate agents, loan officers, and attorneys.
CoBuy monetizes primarily through the Co-ownerOS™ Annual Pass at $1,000 per year per group (approximately $21 per person per month for a four-person group), supplemented by one-time fees from the Wizard tool. The go-to-market is product-led growth combined with community-led thought leadership: free tools (Snapshot, online course) feed top-of-funnel acquisition, the Wizard converts mid-funnel, and the Annual Pass captures the long-tail subscription. Distribution is direct via cobuy.io and through the CoBuy-certified™ Pro referral channel. The company is privately held and bootstrapped except for a disclosed $150,000 raise from the Algorand Foundation in July 2024.
CoBuy firmographics
Firmographics- Name
- CoBuy
- Legal name
- CoBuy, Inc.
- Website
- https://cobuy.io
- Company type
- Private
- Founded year
- 2016
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- CoBuy operates Co-ownerOS™, a US-only web platform that helps groups of up to four people — unmarried couples, friends, relatives, and multi-generational families — plan, structure, and manage non-spouse home co-ownership from purchase through exit, monetizing via a $1,000/year Annual Pass and a $250 Wizard decision tool.
- Ownership category
- akta.pro rank
CoBuy industry classification
Industry- Product category
- Real Estate Co-ownership Management Software
- NAICS
- Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518)
- SIC
- Services-Prepackaged Software (7372)
- akta.pro primary industry
- HOA / Condominium Association Management (BPAJAFAH)
Keywords
Where CoBuy is headquartered
LocationHeadquarters
- HQ city
- Seattle
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
CoBuy business model
Business model- GTM type
- B2C
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Others
Revenue model
- Co-ownerOS™ Annual Pass: Primary subscription product providing full access to Co-ownerOS™ platform for co-buyers and co-owners. Covers governance workflows, agreement management, document vault, property events calendar, and ongoing operations. One subscription per group regardless of size.
- CoBuy Wizard: One-time decision tool providing alignment assessment and CoBuy Decision Brief™. $250 per group, with invited co-buyers joining free.
- Online Course: Free educational course: 'How to CoBuy a Home with Friends, Family, or Your Partner' available as lead generation tool
- 1-Minute Snapshot: Free assessment tool comparing user responses to CoBuy's proprietary dataset of 6,200+ co-buyers. No signup or email required.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Co-ownerOS™ Annual Pass - Full platform access for co-ownership groups |
| One time/ perpetual license | Pay-as-you-go | CoBuy Wizard - Decision Brief assessment |
| Freemium | Pay-as-you-go | Snapshot - Free assessment tool |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels9 records
CoBuy product offering
Product offeringCore offering
CoBuy offers Co-ownerOS™, a web-based software platform that helps groups of 2–4 unmarried individuals plan, structure, and manage shared homeownership from initial purchase through exit. The platform provides tools for creating co-ownership agreements, storing documents in a blockchain-authenticated vault, tracking property events, and aligning on financial and exit terms. CoBuy also sells the CoBuy Wizard™ decision tool and runs a free Snapshot assessment, all aimed at non-married co-buyers and co-owners.
Product overview
CoBuy offers a platform-plus-modules architecture centered on Co-ownerOS™, a guided workspace for co-buyers and co-owners to manage shared homeownership from purchase through exit. The core platform includes integrated modules for co-ownership agreements, document management (Document Vault), property event tracking (Property Events Calendar), and governance workflows. Additional products include CoBuy Wizard™ for pre-purchase alignment assessment, the free Co-ownership Snapshot comparison tool, and the CoBuy-certified™ Pro credential program for real estate professionals. The Annual Pass provides subscription access to the full Co-ownerOS platform.
Differentiator
Problem solved
Functional benefit
Brands
- Co-ownerOS™: The core software platform/app that helps co-buyers plan, structure, and manage co-ownership together efficiently and effectively.
- CoBuy Wizard™
- CoBuy-certified™ Pro
Products and services
- Co-ownerOS™ The primary app and platform for groups of 2–4 people to plan, structure, and manage shared homeownership end-to-end, including governance workflows, agreement creation, document management, property events tracking, and exit strategy planning.
- Co-ownerOS™ Annual Pass Subscription product providing full access to the Co-ownerOS™ platform for co-buyer and co-owner groups. Priced at $1,000/year per group, covering groups of up to 4 people.
- CoBuy Wizard™ Structured intake and alignment tool that helps co-buyer groups assess whether co-buying is realistic, surface risks, and align before committing capital. Delivers a CoBuy Decision Brief™ within 48 hours for $250 per group.
- Co-ownership Snapshot Free 1-minute assessment tool comparing user responses to CoBuy's proprietary dataset of 6,200+ co-buyers and co-owners across all 50 US states and DC. No signup or email required.
- CoBuy-certified™ Pro Credential program for real estate agents, loan officers, and attorneys trained in co-ownership fundamentals, group dynamics, and the CoBuy ecosystem. Network of 200+ certified professionals refers clients to the CoBuy platform.
Quantifiable outcome
- Save $10,000+ on upfront legal fees compared to attorney-drafted agreements ($7,500-$15,000+)
- +5 more outcomes
Companies that use CoBuy
Customer profileNamed customers9 records
Segments7 records
Ideal customer profiles3 records
CoBuy technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature8 records
CoBuy partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered core.
- Edward Ong (CoBuy-certified™ Pro)corePrincipal, Broker, Attorney at Corpen Real Estate Group. CoBuy-certified™ Pro providing real estate services to co-buyers. Testimonials indicate strong endorsement: 'CoBuy gives you the resources to make homeownership adapt to your needs while covering all the practical and technical bases.'
- Trevor Reese (CoBuy-certified™ Pro)coreArea Manager, Loan Officer at Kind Lending. CoBuy-certified™ Pro providing mortgage lending services to co-buyers. Notes: 'CoBuyers find homes faster...they're clear on what they're looking for due to the CoBuy program. When they find 'the' home, they are ready to make a decision.'
- Frank Sandoval (CoBuy-certified™ Pro)coreLoan Officer at U.S. Bank. CoBuy-certified™ Pro providing lending services to co-buyers.
- Rene Perez Jr. (CoBuy-certified™ Pro)coreFounder, RE Broker at ContextRE. CoBuy-certified™ Pro providing real estate services to co-buyers. States: 'People often join together to buy property, but they don't know how to do it. CoBuy is a great solution.'
- Fred Glick (CoBuy-certified™ Pro)coreFounder, RE/Mortgage Broker at Arriva, Inc. CoBuy-certified™ Pro providing real estate and mortgage services to co-buyers.
- Don Koonce (CoBuy-certified™ Pro)coreRE Agent at Windermere. CoBuy-certified™ Pro providing real estate services to co-buyers. Notes: 'CoBuy empowers buyers with step-by-step guidance and support. Their process helps the parties navigate a complex purchase process and prepare for successful co-ownership.'
- Lyssa Paul (CoBuy-certified™ Pro)coreAttorney at Paul Law Group. CoBuy-certified™ Pro providing legal services to co-buyers.
Scale indicators10 records
Recent moves6 records
Expansion highlights5 records
CoBuy competitors and assessment
Company assessmentDirect peers
- ArrivalHome: ArrivalHome is a co-buying platform that helps groups of friends and family pool resources to purchase homes together — directly overlapping with CoBuy's core use case of multi-party residential co-ownership and shared documentation workflows.
Broad incumbents
- Flyhomes: Flyhomes is a residential real estate technology platform offering cash offers, brokerage, and mortgage services. It is comparable to CoBuy as a tech-enabled home buying platform, though it focuses on conventional (rather than co-) ownership.
- Opendoor: Opendoor is a large real estate technology platform that buys and sells homes directly, with adjacent services for homeowners. It is a broad incumbent in the residential real estate tech space where CoBuy operates.
- LegalZoom: LegalZoom is an established online legal document platform that could expand into co-ownership agreements as part of its real estate offerings. It is comparable to CoBuy in providing affordable self-serve legal document generation, though across a much broader legal category.
Emerging players
- Roofstock: Roofstock is a marketplace for single-family rental investment properties with property management services. It overlaps with CoBuy in providing technology infrastructure for non-traditional residential ownership structures, though focused on single-investor rentals.
- Hemlane: Hemlane is a property management software platform serving individual landlords and small residential portfolios. It shares SaaS-driven residential property management DNA with CoBuy, though focused on landlord-tenant rather than co-ownership workflows.
- Avail (by Realtor.com): Avail is a property management software platform for landlords, owned by Realtor.com. It is comparable to CoBuy as a SaaS workflow tool for residential property administration, though focused on landlord-side workflows rather than co-ownership.
- Trust & Will: Trust & Will is an online estate planning platform that helps individuals create wills, trusts, and related documents. It is comparable to CoBuy in serving the documentation needs of non-traditional household structures where estate and property co-ownership intersect.
- TurboTenant: TurboTenant is a property management software platform for independent landlords with screening, rent collection, and listing tools. It is comparable to CoBuy as a SaaS workflow tool for residential property administration, though landlord-focused rather than co-ownership focused.
Regional players
- Bungalow: Bungalow operates a co-living residential platform offering furnished shared homes with flexible leases. It is comparable to CoBuy in addressing non-traditional shared residential arrangements, though focused on short-term co-living rather than long-term co-ownership.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks7 records
Key highlights7 records
Customer concentration
CoBuy social profiles
Digital presenceCoBuy financial estimates
Financial estimateRevenue estimate
Valuation estimate
CoBuy leadership team
Management profileNumber of profiles
Profiles3 records
CoBuy funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
CoBuy M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about CoBuy
What does CoBuy do?
CoBuy offers Co-ownerOS™, a web-based software platform that helps groups of 2–4 unmarried individuals plan, structure, and manage shared homeownership from initial purchase through exit. The platform provides tools for creating co-ownership agreements, storing documents in a blockchain-authenticated vault, tracking property events, and aligning on financial and exit terms. CoBuy also sells the CoBuy Wizard™ decision tool and runs a free Snapshot assessment, all aimed at non-married co-buyers and co-owners.
Is CoBuy a public or private company?
CoBuy is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was CoBuy founded?
CoBuy was founded in 2016. It employs 1 to 10 people.
Where is CoBuy based?
CoBuy is headquartered in Seattle, United States, in the North America region.
How does CoBuy make money?
Four revenue lines are on record. Co-ownerOS™ Annual Pass are the primary driver. The others are coBuy Wizard, online Course and 1-Minute Snapshot.
Who are CoBuy's main competitors?
ArrivalHome is listed as a direct peer. Broad incumbents are Flyhomes, Opendoor and LegalZoom. Emerging players are Roofstock, Hemlane, Avail (by Realtor.com), Trust & Will and TurboTenant. Bungalow is listed as a regional player.
Does CoBuy have an API?
No public API is recorded for CoBuy.
What industry is CoBuy in?
CoBuy's product category is Real Estate Co-ownership Management Software. Its primary akta.pro industry code is BPAJAFAH, HOA / Condominium Association Management. Its NAICS code is 518 and its SIC code is 7372.