# Ownify > Ownify is a fractional homeownership platform that helps renters become homeowners by buying real homes alongside long-term capital partners. Buyers occupy the home, build equity from day one through monthly "Ownify payments" (rent + equity contribution), and steadily increase their ownership stake until they own 100%. Investors earn risk-adjusted returns backed by owner-occupied U.S. residential real estate. Ownify is not a mortgage, not rent-to-own, and not a lease. It is a co-ownership model: the buyer and an investor pool jointly own the home from closing day. Buyers contribute as little as a 2% starting stake (versus a typical 20% down payment) and grow their equity each month at the home's actual market value. If the home appreciates, the buyer's share appreciates with it. Buyers can buy out the remaining stake at any time, refinance into a traditional mortgage, or sell. Active markets: Colorado (Denver, Boulder, Fort Collins, Aurora, Lakewood, Arvada, Centennial, Longmont, Westminster, Thornton, Greeley, Pueblo), North Carolina (Charlotte, Raleigh, Durham, Cary, Chapel Hill, Wake Forest, Winston-Salem, Wilmington), and Tennessee (Nashville). ## Core product - [Homebuyers overview](https://ownify.com/homebuyers): Who Ownify is for, eligibility, and how fractional ownership works for occupants. - [How it works (homebuyers)](https://ownify.com/homebuyers/how-it-works): Step-by-step from application to closing to equity buy-up. - [Eligibility](https://ownify.com/homebuyers/eligibility): Income, credit, employment, and savings requirements. - [Equity calculator](https://ownify.com/homebuyers/calculator): Compare monthly Ownify payment vs. mortgage and project equity growth. - [Ownify vs. rent-to-own](https://ownify.com/homebuyers/vs-rent-to-own): Key differences — Ownify gives real ownership and equity from day one. - [Ownify vs. mortgage](https://ownify.com/homebuyers/vs-mortgage): How Ownify compares to a traditional 20%-down mortgage on cost, flexibility, and equity. - [Mortgage info](https://ownify.com/mortgage): How Ownify interacts with conventional mortgage financing. ## For investors - [Investors overview](https://ownify.com/investors): Investment thesis, returns profile, and asset structure. - [How it works (investors)](https://ownify.com/investors/how-it-works): Capital flow, ownership structure, and exit mechanics. - [Investor FAQ](https://ownify.com/investors/faq): Liquidity, fees, taxes, risk, and reporting. - [North Carolina Home Fund](https://ownify.com/investors/north-carolina): Regional fund focused on NC metros. ## For agents - [How it works (agents)](https://ownify.com/agents/how-it-works): Transaction flow and commission structure for partner agents. - [Agent benefits](https://ownify.com/agents/benefits): Why agents partner with Ownify. - [Agent accreditation](https://ownify.com/agents/accreditation): Becoming an accredited Ownify agent. ## Markets - [All markets](https://ownify.com/markets): Index of every active Ownify market with median prices and program details. - Colorado: [Denver](https://ownify.com/markets/colorado/denver), [Boulder](https://ownify.com/markets/colorado/boulder), [Fort Collins](https://ownify.com/markets/colorado/fort-collins), [Aurora](https://ownify.com/markets/colorado/aurora), [Lakewood](https://ownify.com/markets/colorado/lakewood), [Arvada](https://ownify.com/markets/colorado/arvada), [Centennial](https://ownify.com/markets/colorado/centennial), [Longmont](https://ownify.com/markets/colorado/longmont), [Westminster](https://ownify.com/markets/colorado/westminster), [Thornton](https://ownify.com/markets/colorado/thornton), [Greeley](https://ownify.com/markets/colorado/greeley), [Pueblo](https://ownify.com/markets/colorado/pueblo). - North Carolina — Charlotte: [Urban Core](https://ownify.com/markets/north-carolina/charlotte-urban-core), [Banking Corridor](https://ownify.com/markets/north-carolina/charlotte-banking-corridor), [Affordability First](https://ownify.com/markets/north-carolina/charlotte-suburbs). - North Carolina — Raleigh / Triangle: [Inside the Beltline](https://ownify.com/markets/north-carolina/raleigh-inside-the-beltline), [Tech Corridor](https://ownify.com/markets/north-carolina/raleigh-tech-corridor), [Affordability First](https://ownify.com/markets/north-carolina/raleigh-suburbs), [Durham](https://ownify.com/markets/north-carolina/durham), [Cary](https://ownify.com/markets/north-carolina/cary), [Chapel Hill](https://ownify.com/markets/north-carolina/chapel-hill), [Wake Forest](https://ownify.com/markets/north-carolina/wake-forest). - North Carolina — Other: [Winston-Salem](https://ownify.com/markets/north-carolina/winston-salem), [Wilmington](https://ownify.com/markets/north-carolina/wilmington). - Tennessee — Nashville: [Urban Core](https://ownify.com/markets/tennessee/nashville-urban-core), [Music Row & Tech](https://ownify.com/markets/tennessee/nashville-music-row-tech), [Affordability First](https://ownify.com/markets/tennessee/nashville-affordability-first). ## Programs and funds - [Colorado Home Fund](https://ownify.com/investors/colorado-home-fund): Statewide Colorado fund supporting buyers across CO metros. ## Research and education - [Ownify University](https://ownify.com/research/ownify-university): Educational content on fractional ownership, home equity, and personal finance. - [Our impact](https://ownify.com/research/our-impact): Outcomes data on buyers served, equity built, and markets reached. - [Research FAQ](https://ownify.com/research/faq): Methodology and data sources. - [Blog](https://ownify.com/blog): Market commentary, buyer stories, policy updates. ## Company - [About](https://ownify.com/about): Mission, team, and story. - [Reviews](https://ownify.com/reviews): Verified buyer and investor testimonials. - [Press](https://ownify.com/press): Media coverage and press contact. - [Contact](https://ownify.com/contact): Get in touch. - [General FAQ](https://ownify.com/faq): Common questions across audiences. ## Legal - [Privacy policy](https://ownify.com/legal/privacy) - [Terms of service](https://ownify.com/legal/terms) ## Optional - [Sitemap (XML)](https://ownify.com/sitemap.xml): Machine-readable list of all canonical URLs.