Bring your own.
You don't have to wait for the right listing. Most Passive Partnerships start from a home that was never for sale — a place you rent, a family member's, or one you've found and love. You buy the share you can afford, to live in or hold as an investment; the owner stays in as the investor.
Create an account to start →No mortgage on your share. Cash in from 20%.
Own a home and someone's asked to co-own it with you? Read the owner's guide or list it yourself.
Run your numbers
Renting now? See roughly what co-owning the same home could look like. Indicative only — not financial advice.
People bring their own home three ways
Whichever fits you, the shape is the same: you buy a share and run the home, the owner stays in as the investor.
Talk to your landlord
Renting a place you'd love to stay in? Instead of moving out, propose co-owning it. Your landlord keeps the home as an investment and earns from it — you stop renting and start building equity in the home you already live in.
A family member's property
A parent or relative who owns a home — or wants to help you into one — can be the investor. You buy in for cash; they hold the rest, earn an occupancy fee, and their share tracks the property index. Often the simplest way to clear the cash buy-in.
A home you've found
Seen a place for sale (or one whose owner might sell)? Introduce the owner to Passive Partnerships as the investor. They stay in as a passive investor instead of cashing out, and you become the resident who runs the home.
How to approach an owner
You're not asking for a favour — you're offering a deal that works for both of you. Here's exactly what to say.
I’d love to live here long-term. Rather than me renting (or you selling), we could co-own it through Passive Partnerships. I buy a share for cash and live here as the resident; you keep the rest as a passive investment — an occupancy fee as income, and a share whose value tracks the regional property index, with none of the landlord work. A Manager runs the agreement, the payments and the paperwork for both of us. Want to look at the numbers together?
What the owner gets
- Income from the occupancy fee — at an agreed rate fixed for the term, typically below market rent.
- Their share’s value tracks the regional property index, so it can rise or fall.
- No landlord work — no tenants to manage, no maintenance calls.
- They keep their stake in the property instead of selling out.
What Passive Partnerships handles
- The co-ownership agreement and the legal structure.
- A Manager who works for both owners: payments, monthly statements and the register.
- The quarterly valuation maths — who owns what, kept fair and transparent.
- Verifying both sides before anything is binding.
The steps
From spotting the home to getting the keys — six steps.
- Pick the home and the ownerA place you rent, a family member’s property, or a home you’ve found and love — plus the person who owns it and might stay in as the investor.
- Confirm your cash buy-in (at least 20%)You buy your share for cash — no mortgage on it. On a $700k home that’s about $140k. This is the one hard requirement, so it’s worth confirming early.
- Have the conversationUse the ready-to-send message above to approach the owner — you’re offering a deal that works for both of you, not asking for a favour.
- Register your interestCreate an account and tell us about the property and the owner, so the Manager can pick it up.
- The Manager verifies both sidesThe Manager checks the people, the property and the numbers, and walks you both through the agreement. Nothing is binding until everyone has agreed.
- Sign the agreement and get the keysOnce both sides are happy, you sign the co-ownership agreement, your share is recorded in the register, and the home is yours to live in or hold as an investment.
What owners ask
The questions a property owner usually raises — and honest answers you can pass on. Illustrative only, not financial advice; both sides should get their own.
But I want to sell — doesn’t this lock my money in?
It’s a long-term arrangement with no fixed end date, so plan on that. You can sell your share to another investor at any time, as long as they take over the agreement. The resident can buy you out over time by topping up their share. And if they sell the home, you’re paid the full value of your share before they receive anything. What you can’t do is make them sell, except as a last resort if they default on payments. Not financial advice; the agreement sets the exact terms.
Won’t I lose control of my own property?
Yes, in the day-to-day sense, and that’s deliberate. The resident makes the decisions about the home and you can’t live in it. A Manager runs the agreement, the payments, the monthly statements and the ownership register for both of you. You’re trading the hands-on control of being a landlord for a hands-off, structured return.
Is my money actually safe?
It’s a property investment, so it carries risk. Your share is recorded in the ownership register, updated each quarter against the regional property index, and both owners’ interests are recorded against the property’s title, with a declaration of trust between you. Payments go into a dedicated bank account kept separate from the Manager’s own money, with monthly statements. But your share isn’t a registered mortgage, so it’s weaker security than a bank loan; its value can fall with the market; and if a forced sale fetches less than the register says your share is worth, you may get back less. Not financial advice; get your own.
What about maintenance and tenants — isn’t that my problem?
No. The resident is a co-owner, not a tenant, and they carry the property costs — rates, insurance and maintenance — on the home they live in. There are no tenants to manage, no bond, no maintenance calls and no inspections for you. That’s the “none of the landlord work” part of the deal.
What return do I actually get?
Two things. An occupancy fee paid on your share, at an agreed rate fixed for the term (the weekly amount is updated each quarter as your share is revalued) and typically below market rent. And your share’s value, which tracks the regional property index, so it can rise or fall. If the resident stops paying, the income stops until it’s recovered. Figures are illustrative and depend on the home and the market — not financial advice.
Ready to bring your own home?
Create an account and tell us about the property and the owner. The Manager takes it from there.
Create an account →Want something to hand over? Print a one-pager for the owner. Already browsing? See the homes on our marketplace. Own a home yourself? List it here.