# Tadaima User Documentation ## Tadaima User Documentation - [Welcome](https://userdocs.tadaima.finance/welcome.md): Tadaima is here to provide an alternative model to just renting or owning. One where you have the experience of owning and the flexibility of renting. Start your home owning journey today. - [Myths of Homebuying](https://userdocs.tadaima.finance/tadaima-co-ownership/myths-of-homebuying.md): Why what most we know is wrong about home buying, and what we can do about it - [Example 1: 20% Down Payment](https://userdocs.tadaima.finance/tadaima-co-ownership/myths-of-homebuying/example-1-20-down-payment.md): Is just Folklore. There’s many different options when it comes to down payments. Both below and above the 20% mark. - [Example 2: Waiting for a Job](https://userdocs.tadaima.finance/tadaima-co-ownership/myths-of-homebuying/example-2-waiting-for-a-job.md): May not be the best use of time. There's more than just employment that comes into play when considering getting on the property ladder - [Example 3: Timing the Market](https://userdocs.tadaima.finance/tadaima-co-ownership/myths-of-homebuying/example-3-timing-the-market.md) - [What Matters When Buying](https://userdocs.tadaima.finance/tadaima-co-ownership/what-matters-when-buying.md): The one and only thing to think about when making your home buying decision. - [When You Can't Buy -> Co-own](https://userdocs.tadaima.finance/tadaima-co-ownership/when-you-cant-buy-greater-than-co-own.md): When buying doesn’t make sense, there’s now a new option to get started, and get on the property ladder today. - [Sequential Co-ownership](https://userdocs.tadaima.finance/tadaima-co-ownership/sequential-co-ownership.md) - [Component 1: Equity Share Agreement](https://userdocs.tadaima.finance/tadaima-co-ownership/sequential-co-ownership/component-1-equity-share-agreement.md) - [Component 2: Assumptions and Release of Obligations Form](https://userdocs.tadaima.finance/tadaima-co-ownership/sequential-co-ownership/component-2-assumptions-and-release-of-obligations-form.md) - [Component 3: Performance Lien](https://userdocs.tadaima.finance/tadaima-co-ownership/sequential-co-ownership/component-3-performance-lien.md) - [Component 4: Assumable Mortgage](https://userdocs.tadaima.finance/tadaima-co-ownership/sequential-co-ownership/component-4-assumable-mortgage.md) - [Benefits of Co-owning](https://userdocs.tadaima.finance/tadaima-co-ownership/benefits-of-co-owning.md) - [Use Cases of Co-Owning](https://userdocs.tadaima.finance/tadaima-co-ownership/use-cases-of-co-owning.md) - [How is it Different?](https://userdocs.tadaima.finance/life-as-a-co-owner/how-is-it-different.md) - [Taxes](https://userdocs.tadaima.finance/life-as-a-co-owner/taxes.md) - [Home Improvements](https://userdocs.tadaima.finance/life-as-a-co-owner/home-improvements.md) - [Property Expenses](https://userdocs.tadaima.finance/life-as-a-co-owner/property-expenses.md) - [Bookkeeping](https://userdocs.tadaima.finance/life-as-a-co-owner/bookkeeping.md) - [Marketing](https://userdocs.tadaima.finance/life-as-a-co-owner/marketing.md) - [Showings](https://userdocs.tadaima.finance/life-as-a-co-owner/showings.md) - [Closing/Co-owner Handoff](https://userdocs.tadaima.finance/life-as-a-co-owner/closing-co-owner-handoff.md) - [Why is it Worth it?](https://userdocs.tadaima.finance/financials-of-co-owning/why-is-it-worth-it.md) - [Understanding Real Estate Investing](https://userdocs.tadaima.finance/financials-of-co-owning/understanding-real-estate-investing.md) - [Equity Explained](https://userdocs.tadaima.finance/financials-of-co-owning/understanding-real-estate-investing/equity-explained.md) - [Cashflow Sources and Sinks](https://userdocs.tadaima.finance/financials-of-co-owning/understanding-real-estate-investing/cashflow-sources-and-sinks.md) - [Real Estate Investment Modeling](https://userdocs.tadaima.finance/financials-of-co-owning/understanding-real-estate-investing/real-estate-investment-modeling.md) - [A Service for the High Mobile](https://userdocs.tadaima.finance/financials-of-co-owning/a-service-for-the-high-mobile.md) - [Transformation 1: Ownership Structure](https://userdocs.tadaima.finance/financials-of-co-owning/a-service-for-the-high-mobile/transformation-1-ownership-structure.md) - [Transformation 2: Transaction Temporality](https://userdocs.tadaima.finance/financials-of-co-owning/a-service-for-the-high-mobile/transformation-2-transaction-temporality.md) - [Remapping our Transformations](https://userdocs.tadaima.finance/financials-of-co-owning/a-service-for-the-high-mobile/remapping-our-transformations.md) - [Tadaima Investment Modeling](https://userdocs.tadaima.finance/financials-of-co-owning/a-service-for-the-high-mobile/tadaima-investment-modeling.md) - [The Equity Model for a Tadaima Home](https://userdocs.tadaima.finance/financials-of-co-owning/the-equity-model-for-a-tadaima-home.md) - [Homeownership Equity](https://userdocs.tadaima.finance/financials-of-co-owning/homeownership-equity.md) - [Shareholder Equity](https://userdocs.tadaima.finance/financials-of-co-owning/shareholder-equity.md) - [Schedule 1:1 with Tadaima](https://userdocs.tadaima.finance/next-steps/schedule-1-1-with-tadaima.md): Ready to Get on the Property Ladder Today? The First Place to Start is with Talking with a Tadaima Team Member - [Prepare Financial Documents](https://userdocs.tadaima.finance/next-steps/prepare-financial-documents.md): The first step in any home buying process is getting the documents together to share with lenders your financial profile - [Shop Available Inventory](https://userdocs.tadaima.finance/next-steps/shop-available-inventory.md): The beginning of the best part of home owning. SHOPPING!!! - [Housing Market History](https://userdocs.tadaima.finance/appendix/housing-market-history.md) - [Prior 1920s](https://userdocs.tadaima.finance/appendix/housing-market-history/prior-1920s.md) - [FDR's New Deal](https://userdocs.tadaima.finance/appendix/housing-market-history/fdrs-new-deal.md) - [Recent Efforts to Increase Homeownership](https://userdocs.tadaima.finance/appendix/housing-market-history/recent-efforts-to-increase-homeownership.md) - [The Housing Trilemma](https://userdocs.tadaima.finance/appendix/housing-market-history/the-housing-trilemma.md) - [The History of the Modern Housing Model](https://userdocs.tadaima.finance/appendix/housing-market-history/the-history-of-the-modern-housing-model.md) - [The Shortcomings and Limitations of the Modern Housing Model](https://userdocs.tadaima.finance/appendix/housing-market-history/the-shortcomings-and-limitations-of-the-modern-housing-model.md) - [Real Estate Concepts](https://userdocs.tadaima.finance/appendix/real-estate-concepts.md) - [Counterparty Risk](https://userdocs.tadaima.finance/appendix/real-estate-concepts/counterparty-risk.md) - [Lien Priority](https://userdocs.tadaima.finance/appendix/real-estate-concepts/lien-priority.md) - [Mortgages & Liens](https://userdocs.tadaima.finance/appendix/real-estate-concepts/mortgages-and-liens.md) - [Title & Deed](https://userdocs.tadaima.finance/appendix/real-estate-concepts/title-and-deed.md) - [Co-Borrower & Co-Signer](https://userdocs.tadaima.finance/appendix/real-estate-concepts/co-borrower-and-co-signer.md) - [Appraisals](https://userdocs.tadaima.finance/appendix/real-estate-concepts/appraisals.md) - [Other Myths](https://userdocs.tadaima.finance/appendix/other-myths.md) - [Wait Till Marriage](https://userdocs.tadaima.finance/appendix/other-myths/wait-till-marriage.md) - [Possibility of 2008 Again](https://userdocs.tadaima.finance/appendix/other-myths/possibility-of-2008-again.md) - [Renting is Cheaper](https://userdocs.tadaima.finance/appendix/other-myths/renting-is-cheaper.md)