Tadaima User Documentation
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  • Welcome
  • Tadaima Co-ownership
    • Myths of Homebuying
      • Example 1: 20% Down Payment
      • Example 2: Waiting for a Job
      • Example 3: Timing the Market
    • What Matters When Buying
    • When You Can't Buy -> Co-own
    • Sequential Co-ownership
      • Component 1: Equity Share Agreement
      • Component 2: Assumptions and Release of Obligations Form
      • Component 3: Performance Lien
      • Component 4: Assumable Mortgage
    • Benefits of Co-owning
    • Use Cases of Co-Owning
  • Financials of Co-Owning
    • Why is it Worth it?
    • Understanding Real Estate Investing
      • Equity Explained
      • Cashflow Sources and Sinks
      • Real Estate Investment Modeling
    • A Service for the High Mobile
      • Transformation 1: Ownership Structure
      • Transformation 2: Transaction Temporality
      • Remapping our Transformations
      • Tadaima Investment Modeling
    • The Equity Model for a Tadaima Home
  • Next Steps
    • Schedule 1:1 with Tadaima
    • Prepare Financial Documents
    • Shop Available Inventory
  • Appendix
    • Housing Market History
      • Prior 1920s
      • FDR's New Deal
      • Recent Efforts to Increase Homeownership
    • Real Estate Concepts
      • Counterparty Risk
      • Lien Priority
      • Mortgages & Liens
      • Title & Deed
      • Co-Borrower & Co-Signer
      • Appraisals
    • Other Myths
      • Wait Till Marriage
      • Possibility of 2008 Again
      • Renting is Cheaper
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  • A New Approach: Bringing the Five-Year Rule Down to One
  • What’s Next?
  1. Tadaima Co-ownership

When You Can't Buy -> Co-own

When buying doesn’t make sense, there’s now a new option to get started, and get on the property ladder today.

The idea of never moving again might sound appealing to some—but let’s be real. If you’ve made it this far, you’re probably not in that camp.

Even committing to five years in one place can feel daunting. Life is unpredictable, and locking yourself into homeownership for half a decade might seem like a gamble—possibly even reckless.

Or maybe you already know it’s just not feasible for you.

Maybe you’re:

  • A college student with a four-year timeline.

  • Working a contract job that lasts two to three years.

  • Taking a gap year for a change of pace.

  • Planning to go back to school for an advanced degree.

There are countless scenarios where a five-year minimum just doesn’t make sense. And yet, that’s the expectation in traditional real estate: either stay long enough to make it financially worthwhile or risk losing money when you sell.

This leaves many people stuck between two less-than-ideal options: renting indefinitely or buying with the risk of losing money.

At Tadaima, we believe this reality is worth challenging.

A New Approach: Bringing the Five-Year Rule Down to One

Our mission is simple: What if you could buy a home, build equity, and have the freedom to move after just one year—without financial drawbacks?

We call this approach Sequential Co-ownership.

But let’s be clear—this isn’t just “renting with equity.” It’s still homeownership, and in some ways, it’s even more involved than the traditional model. However, it offers something that the current system does not:

✅ The autonomy to make a space your own—just like owning. ✅ A clear path to building equity—so you’re not throwing money away on rent. ✅ The flexibility to move when you need to—without jeopardizing your financial future.

It’s a bridge between renting and owning, offering a realistic path forward for those who want to invest in a home but don’t want to be tied down for years.

What’s Next?

This is what we’ve been building at Tadaima over the past few years, and we’re excited to share how it works. In the next chapters, we’ll dive deeper into how Sequential Co-ownership works, what it means for homebuyers, and how it’s reshaping the future of real estate.

If you’ve ever felt like the current system wasn’t built for you, keep reading. A new way of thinking about homeownership is here.

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Last updated 2 months ago