Split the Deed,
Not Your Dreams
Gen Z isn’t waiting for the “right time” to buy. They’re rewriting the rules with co-ownership—and leading NYC’s real estate revolution.
The Numbers Don’t Lie
Gen Z is getting creative—and it’s working. Here’s what the 2025 data reveals about young buyers breaking into NYC’s toughest market.
Why Gen Z is choosing
co-ownership over waiting
Split the Entry Barrier
NYC median home prices are up 74% in a decade. Co-buying cuts that massive down payment in half—or more. Two incomes, one mortgage, shared equity.
Unlock Multi-Family
Duplexes, triplexes, townhouses with legal basement units. Co-ownership opens doors to properties that build wealth faster through rental income.
Time in Market > Timing
75% of buyers are waiting for “better conditions.” Gen Z isn’t. They’re building equity now while others pay rent and watch prices climb.
Community Built In
Living near family or friends isn’t settling—it’s strategic. Shared childcare, split utilities, built-in support systems. The village is back.
“I would not be a homeowner in 2024 had we not co-bought. Very big risk that we took but it felt good doing it with a partner. We mitigated a lot of risk.”
— Gilbert Nyantakyi, NYC co-owner at 26
NYC Neighborhoods Built for Co-Ownership
Multi-family inventory, reasonable entry points, and strong appreciation potential.
The Co-Buying Essentials
Co-ownership works when everyone’s aligned. Here’s what smart Gen Z buyers are locking down before they commit.
Ownership Structure
TIC vs. Joint Tenancy—decide how ownership transfers if someone exits or passes
Co-Ownership Agreement
Legal doc covering payment splits, exit strategies, dispute resolution, and buyout formulas
Exit Strategy
What happens if one party wants out? Lock in appraisal methods and timelines now
Credit Score Reality Check
All parties are on the hook. One person’s default hurts everyone’s credit
Tax + Legal Consult
Understand deduction splits, liability, and estate implications before closing
Ready to Buy
Together?
Co-ownership isn’t a compromise—it’s a strategy. Let’s find a property that works for you and your co-buyer, whether that’s a sibling, friend, or parent.
Let’s Talk Strategy