CoHome
CoHome is a San Francisco-based fractional real estate co-ownership platform that enables individuals and investors to purchase 1/8th to 1/2 ownership shares of homes through property-specific LLCs, serving first-time homebuyers, college families, passive real estate investors, and California workforce employees via an AI-powered FinTech infrastructure.
- Company typePrivate
- Founded2020
- HeadquartersSan Francisco, United States
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What CoHome does
CoHome is a San Francisco-based fractional real estate co-ownership platform founded in 2020 that enables individuals to purchase defined ownership shares (minimum 1/8th, maximum 1/2 per person) of single-family homes through property-specific LLC structures. Each property is held in its own LLC with a custom operating agreement that grants co-owners proportional voting rights, usage rights, expense allocation, and a share of rental income or appreciation, while CoHome acts as the LLC manager. The platform serves three primary customer segments: first-time homebuyers and college families seeking lower-capital entry into homeownership with employer-backed down payment support, real estate investors targeting passive income and 10%+ annual returns, and California workforce employees accessing shared appreciation-based down payment assistance.
The company operates an AI-powered B2B2C FinTech platform layered over the LLC co-ownership structure. Core proprietary features include an AI Compliance Engine that maps institutional requirements in real-time, automated financing alignment with Fannie Mae and Jumbo loan guidelines, and intelligent shared equity structuring that compresses approval timelines from weeks to minutes. The platform integrates with Plaid for financial verification, Checkr for background checks, MailChimp for marketing automation, and Sakari for SMS communications. CoHome also runs a national real estate agent referral program (3.5% closing commission plus 1% at resale) and partnerships with seven U.S. universities for student housing co-ownership.
Revenue is generated through a mix of one-time and recurring streams: a CoHome service fee at closing (covering LLC formation and co-owner matching), reservation fees (7% of share price, partially refundable), financing fees for buyers leveraging LLC-level financing (up to 70% loan-to-value without W2/FICO/personal guarantee requirements), ongoing property management fees (3% of rental income or 1% of property value annually), performance fees tied to investor return targets, and agent referral commissions on third-party-sourced transactions. Workforce housing revenue is structured as a share of future home appreciation rather than traditional interest. The company is licensed by the California Department of Real Estate (License no. 02134439) and currently operates in Los Angeles, San Francisco, San Diego, Austin, and Columbus, with student housing properties near Cornell, Michigan, Northwestern, NYU, UC Berkeley, Stanford, and USC.
CoHome firmographics
Firmographics- Name
- CoHome
- Legal name
- COHOME, INC.
- Website
- https://cohome.com
- Company type
- Private
- Founded year
- 2020
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- CoHome is a San Francisco-based fractional real estate co-ownership platform that enables individuals and investors to purchase 1/8th to 1/2 ownership shares of homes through property-specific LLCs, serving first-time homebuyers, college families, passive real estate investors, and California workforce employees via an AI-powered FinTech infrastructure.
- Ownership category
- akta.pro rank
CoHome industry classification
Industry- Product category
- Fractional Real Estate Ownership
- NAICS
- Residential Property Managers (531311), Real Estate Property Managers (53131), Lessors of Residential Buildings and Dwellings (53111)
- SIC
- Real Estate Agents & Managers (For Others) (6531), Operators Of Apartment Buildings (6513)
- akta.pro primary industry
- Cooperative (Co-op) Housing Association Management (BPAJAHAC)
- akta.pro secondary industries
- HOA / Condominium Association Management (BPAJAFAH), Affordable & Subsidized Housing Property Management (LIHTC, Section 8) (BPAJAFAD)
Keywords
Where CoHome is headquartered
LocationHeadquarters
- HQ city
- San Francisco
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
CoHome business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Others
Revenue model
- Cohome Service Fee (One-Time Onboarding): A one-time fee charged at closing for finding co-owners and LLC formation, including legal fees. This is a upfront acquisition fee paid by buyers entering the co-ownership model.
- Property Management Fee: A percentage of rental income charged for leasing and daily operations management. For rental properties, the fee is 3% of annual rental income. For owner-occupied properties, the fee is 1% of property value annually. This is an ongoing recurring fee deducted from rental income distributions.
- CoHome Asset Management & Performance Fee: A performance fee designed to align CoHome's incentives with owner returns. The fee applies only when return targets are exceeded, rewarding value creation rather than volume. This is an outcome-based fee tied to property performance.
- Financing Fee: Assessed at closing for buyers who choose to finance up to 70% of their purchase. CoHome arranges LLC-level financing, removing the need for buyers to use personal W2s, FICO scores, or personal guarantees.
- Agent Referral Commission: CoHome compensates real estate agents 3.5% of the share price at closing and an additional 1% at resale for buyers they refer into the co-ownership program.
- Workforce Housing Program Fees: AI-powered down payment assistance in exchange for a share of the home's future appreciation, structured as a shared appreciation model. Revenue is derived from the future appreciation share rather than traditional interest or fees.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| One time/ perpetual license | Pay-as-you-go | Fractional ownership share (1/8th minimum, up to 1/2) |
| Subscription | Monthly | Property Management Fee |
| Outcome Based/ Performance | Pay-as-you-go | Performance Fee |
| Other | Pay-as-you-go | Reservation Fee |
| Transaction based/ take rate | Pay-as-you-go | Agent Referral Commission |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels6 records
CoHome product offering
Product offeringCore offering
CoHome operates a fractional real estate co-ownership platform that lets multiple buyers acquire ownership shares (starting at 1/8th, up to 1/2 per person) of residential and student housing properties through dedicated property-specific LLCs. CoHome acts as LLC manager, providing professional property management, tenant screening, rent collection, maintenance, quarterly rental income distributions, and a dedicated resale marketplace. The platform also delivers an AI-powered Workforce Housing Shared Equity Program offering down payment assistance in exchange for a share of home appreciation, targeted at California university employees, healthcare workers, teachers, and essential workers.
Product overview
CoHome operates as a fractional real estate co-ownership platform offering multiple integrated services. The core offering is the Fractional Home Ownership platform, which enables buyers to acquire ownership shares (starting at 1/8th) through property-specific LLCs. This core platform connects to specialized verticals including Student Housing Investment (curated properties near universities with full management), Passive Real Estate Income (turnkey rental investment), and Workforce Housing Shared Equity Program (AI-powered down payment assistance for workforce buyers). The platform is supported by complementary services: the Property Listings Marketplace (curated property discovery), Investment Calculator (financial estimation tool), Fractional Ownership Exit Strategy (resale marketplace and support), and Agent Referral Program (agent commissions). All services share the LLC-based co-ownership structure, shared expense model, professional property management, and quarterly income distribution framework.
Differentiator
Problem solved
Functional benefit
Products and services
- Fractional Home Ownership
Quantifiable outcome
- Target 10%+ annual ROI for investors
- +4 more outcomes
Companies that use CoHome
Customer profileNamed customers7 records
Segments5 records
Ideal customer profiles4 records
CoHome technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration5 records
AI capability2 records
Feature5 records
CoHome partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered core and minor.
- Leading California University (Pilot Partner)coreCoHome is launching its workforce housing program in collaboration with a leading California university partner. The goal is to help institutions provide more accessible pathways to homeownership for employees while strengthening workforce retention and long-term community stability. This is a scalable housing model designed for organizations that want to invest in the success of their workforce.
- Cornell UniversityminorCoHome provides student housing co-ownership opportunities near the Cornell campus, targeting students, families, and investors seeking housing near the university.
- University of California, BerkeleyminorCoHome offers fractional property ownership near UC Berkeley, providing student housing investment opportunities in one of the most demand-dense university markets.
- Stanford UniversityminorCoHome operates student housing investment properties near Stanford University, leveraging the consistent enrollment-driven rental demand characteristic of top-tier universities.
- New York University (NYU)minorCoHome offers co-ownership of homes near NYU, targeting student housing investors and families seeking real estate exposure in the New York market.
- University of Southern California (USC)minorCoHome provides student housing co-ownership near USC, one of the largest private research universities in the U.S., with strong ongoing rental demand.
- University of MichiganminorCoHome provides student rental property co-ownership near the University of Michigan, offering investors exposure to a large public university with stable enrollment-driven demand.
- Northwestern UniversityminorCoHome offers fractional real estate investment opportunities near Northwestern University for student housing investors and families seeking premium university market exposure.
Scale indicators6 records
Recent moves6 records
Expansion highlights5 records
CoHome competitors and assessment
Company assessmentEmerging players
- Landis: Landis helps renters become homeowners through down payment assistance and rent-to-own programs, converting rental payments into equity over time. While Landis focuses on individual primary residence paths rather than multi-party co-ownership, it directly competes with CoHome's workforce housing down payment assistance offering in addressing affordability barriers for first-time buyers.
- Lofty: Lofty is a tokenized real estate investment platform that enables fractional ownership of rental properties through blockchain-based tokens. While Lofty uses a tokenization approach rather than LLCs, it serves the same retail investor demand for fractional rental property exposure with passive income distributions, competing with CoHome's passive real estate income product.
- AcreTrader: AcreTrader is a fractional farmland investment platform that uses LLC structures to enable retail investors to buy shares of agricultural land. While AcreTrader focuses on a different asset class, it applies the same fractional-ownership-via-dedicated-LLCs approach that CoHome uses, and it targets the same retail investor demand for alternative, professionally-managed real estate exposure.
- Lower: Lower is a digital mortgage lender offering down payment assistance programs and homebuyer tools to first-time buyers. While Lower is primarily a mortgage origination and refinancing platform, its down payment assistance products compete directly with CoHome's workforce housing shared equity program for buyers seeking capital to close on a home.
- Point: Point provides home equity investment products, allowing homeowners to access equity without monthly payments or interest in exchange for a share of future appreciation. While Point's product is debt-like and targets existing homeowners, the appreciation-share mechanism directly parallels CoHome's workforce housing shared equity program and serves a comparable customer need.
Broad incumbents
- Fundrise: Fundrise is one of the largest real estate crowdfunding platforms, offering eREITs and individual property shares to retail investors. While Fundrise operates at greater scale using a fund-based structure rather than LLC-per-property, it serves the same retail investor demand for fractional real estate exposure that CoHome targets through its passive income and student housing products.
- Roofstock: Roofstock is a single-family rental investment marketplace that facilitates whole-property purchases for income investors and operates Roofstock One for fractional shares. While Roofstock's primary offering is whole-property transactions, its Roofstock One fractional product directly competes with CoHome's passive rental income vertical for the same passive investor segment.
Direct peers
- Landed: Landed provides shared equity down payment assistance for educators, enabling teachers and school staff to buy homes with employer-matched funding in exchange for a share of appreciation. This mechanism directly parallels CoHome's workforce housing shared equity program for university employees, healthcare workers, teachers, and essential workers in California.
- Arrived: Arrived is a fractional single-family rental investment platform that allows investors to purchase shares of individual rental properties under professional management. Both Arrived and CoHome target retail investors seeking passive real estate income, though Arrived uses an SEC-regulated single-member LLC structure per property and focuses exclusively on rental properties.
- Pacaso: Pacaso is a vacation home co-ownership platform that uses an LLC-based ownership structure with professional management, mirroring CoHome's core model. Both platforms enable multiple buyers to share ownership of a single property through dedicated LLCs with voting rights and proportional expenses, though Pacaso focuses on luxury second homes rather than primary residences and student housing.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
CoHome social profiles
Digital presenceCoHome financial estimates
Financial estimateRevenue estimate
Valuation estimate
CoHome leadership team
Management profileNumber of profiles
Profiles11 records
CoHome subsidiaries and ownership
Company hierarchySubsidiaries1 record
CoHome funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
CoHome 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 CoHome
What does CoHome do?
CoHome operates a fractional real estate co-ownership platform that lets multiple buyers acquire ownership shares (starting at 1/8th, up to 1/2 per person) of residential and student housing properties through dedicated property-specific LLCs. CoHome acts as LLC manager, providing professional property management, tenant screening, rent collection, maintenance, quarterly rental income distributions, and a dedicated resale marketplace. The platform also delivers an AI-powered Workforce Housing Shared Equity Program offering down payment assistance in exchange for a share of home appreciation, targeted at California university employees, healthcare workers, teachers, and essential workers.
Is CoHome a public or private company?
CoHome is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was CoHome founded?
CoHome was founded in 2020. It employs 11 to 50 people.
Where is CoHome based?
CoHome is headquartered in San Francisco, United States, in the North America region.
How does CoHome make money?
Six revenue lines are on record. Cohome Service Fee (One-Time Onboarding) is the primary driver. The others are property Management Fee, coHome Asset Management & Performance Fee, financing Fee, agent Referral Commission and workforce Housing Program Fees.
Who are CoHome's main competitors?
Emerging players on record are Landis, Lofty, AcreTrader, Lower and Point. Broad incumbents are Fundrise and Roofstock. Direct peers are Landed, Arrived and Pacaso.
Does CoHome have an API?
No public API is recorded for CoHome.
What industry is CoHome in?
CoHome's product category is Fractional Real Estate Ownership. Its primary akta.pro industry code is BPAJAHAC, Cooperative (Co-op) Housing Association Management, with a secondary code of BPAJAFAH, HOA / Condominium Association Management. Its NAICS code is 531311 and its SIC code is 6531.