The Rhome Model

Homeownership,
redesigned.

Traditional homeownership anchors you to one place and one massive financial commitment. Rhome gives you the equity-building power of ownership with the flexibility modern life demands.

3.5%

Down payment

split among group

$95

Monthly mgmt

includes protection

Swap windows

per year

$500

Swap fee

often waived

Step by step

How Rhome works

Discovery

Find Your Home & Build Your Group

Browse eligible properties on the open market through the Rhome platform. Form a group with friends, a partner, or people you already live with. Each member goes through a light screening — no hard credit pulls.

Search real listings from the open market

Invite friends or use our matching marketplace

Light pre-approval screening with preferred lenders

Structuring

The Managed Title Trust

Each Rhome property is held in its own individual trust. Rhome manages the home as trustee. You become a beneficiary — a direct equity stake with usage rights, tax benefits, and estate planning advantages. No messy LLCs.

Individual trust per property

Beneficiary interest with tax advantages

FHA lending with as low as 3.5% down, split among co-owners

Living

Professionally Managed Ownership

Rhome handles the complexity so you can focus on living. Expenses are split automatically based on your share. Repairs are handled through the concierge. Co-owner default protection keeps everyone safe.

Automated expense splitting — no chasing roommates

Concierge repair requests through the platform

$95/mo asset management covers governance and protection

Mobility

Move Freely, Keep Your Equity

After a 12-month initial period, swap to another home in the Rhome network or cash out your equity entirely. Quarterly swap windows make relocation as simple as it has ever been.

Four swap windows per year (Jan, Apr, Jul, Oct)

Multi-city swap chains — your equity travels with you

Or sell your share and cash out anytime

Legal framework

The trust structure

Every Rhome property is held in its own individual trust, providing legal clarity, asset protection, and estate planning benefits for every co-owner.

Individual Trust Per Home

Each property is isolated in its own trust. Your home's legal structure is independent from every other Rhome property.

You Are a Beneficiary

As a trust beneficiary, you hold a direct equity stake with usage rights, tax benefits, and estate planning advantages.

Rhome Provides Governance

Rhome serves as trustee and operational manager. No roommate voting or DIY conflict resolution. We handle it professionally.

Built-in protections

Security at every layer

Co-Owner Default Protection

If a co-owner misses a payment, your credit and equity are not affected. You pay through the Rhome platform, and we handle everything with the loan servicer. This protection is included in your monthly asset management fee.

Repair Reserve Fund

Beyond your homeowner's insurance policy, the repair reserve covers everyday issues — a leaky faucet, a broken appliance, routine maintenance. Request a repair through the Rhome concierge, and we send someone to handle it.

Consolidated Expense Management

All ongoing costs — mortgage, taxes, insurance, asset management — are consolidated into a single monthly payment split according to your share. No chasing roommates for bills. Rhome manages the payments.

FAQ

Common questions

Your credit and equity remain protected through Rhome's co-owner default protection. You make your payment through the platform, and Rhome handles collections and recovery on that specific share — without affecting the other co-owners.

After your 12-month initial period, yes. You can exit the platform and cash out your equity. Existing co-owners may have a right of first refusal, after which your share can be offered to the broader Rhome membership.

Rhome acts as the property manager. Routine repairs are covered by the repair reserve fund — just submit a request through the concierge. For an additional monthly add-on, we can also handle routine maintenance tasks like filter changes.

No. You own actual equity in the property trust as a beneficiary. You benefit from appreciation and applicable tax deductions. Timeshares are typically depreciating "right to use" assets. Rhome is true real estate ownership.

Your share is based on the square footage and amenities of your private bedroom (private bath, balcony, etc.). That percentage determines both your down payment and your monthly cost — mortgage, taxes, insurance, plus the $95 asset management fee and your repair reserve contribution.

The fee covers Rhome's governance and operational management of your home, including co-owner default protection, expense management, concierge coordination, and the trust administration.

Each home is held in its own individual trust. Rhome serves as the trustee and operational manager. You are a beneficiary with a direct equity stake, usage rights, and estate planning benefits. The trust provides a clear legal framework with pre-defined governance.

At least one co-owner in each home needs to qualify as a first-time homebuyer for FHA lending eligibility. This enables the favorable 3.5% down payment, split among all co-owners.

Ready to get started?

Browse homes on the open market, form your group, and start building equity.

Homeownership,redesigned.