Building Your Financial Model: Combine-Leverage-Split

The great thing about co-ownership in real estate is your group’s ability to COMBINE-LEVERAGE-SPLIT. Rather than shouldering burdens on your own, the group comes together as a collective and community to share the benefits and burdens of home ownership together.

When you buy as a group, this is known as COMBINE-LEVERAGE-SPLIT:

Combine funds to increase the percentage of the down payment

Leverage everyone’s income to increase the property value you group qualifies for.

Split monthly housing costs to make ownership more affordable

Using this method, you can budget and assess the ongoing costs of home ownership. Try it with the table below!

Now that you’re fully budgeted, it’s time to summarise and get ready to move on to Step 3.

How Do You Build Your Financial Model?

Click on the sections below to learn more.

1. Building Your Financial Model: Introduction
2. Building Your Financial Model: What's In A Mortgage?
3. Building Your Financial Model: Who Will Lend To You?
4. Building Your Financial Model: Get Your Financial Profile Ready!
5. Building Your Financial Model: Creating Your Budget
6. Building Your Financial Model: Combine-Leverage-Split
7. Building Your Financial Model: Summary & Next Steps