Buy Property in United States Through Co-ownership
Owning a vacation home in the US usually means either paying full price for a property in Miami, Utah's red rock country, or coastal California — often well over $1M — or renting the same week year after year with no equity to show for it. Kocomo lists co-ownership properties across some of the country's top vacation markets, from Miami and Newport Beach to St. George, Utah, with shares starting from $109,990. Most listings are sold in 1/8 shares, with a typical share price around $409,500 depending on the property and market, giving you several weeks of use every year in a fully managed home — without the full financial burden of solo ownership. Listings come from vetted providers like Ember and Legria, with transparent pricing, professional management, and resale support built in. Co-ownership in the US is regulated at the state level — Florida, for example, governs fractional structures under its Vacation Plan and Timesharing Act — so the legal framework is well established. Here is what is for sale now, what it actually costs, and how buying works.
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Co-ownership in the US is a well-established, state-regulated model. In Florida, for example, fractional structures fall under the state's Vacation Plan and Timesharing Act, and most condo buildings apply their own short-term rental rules — Miami-Dade County treats any stay under 30 days as a short-term rental under its local ordinance. Financing works differently than a typical mortgage: some buyers use traditional lending with a larger down payment, while others pay in cash or use equity from an existing property. Our guide on vacation rentals vs. fractional ownership in Miami breaks down the legal structures, financing options, and exit strategies in detail. If you are deciding on a market, see how to invest in Miami real estate through co-ownership, or explore vacation homes in St. George, Utah, one of the country's fastest-growing co-ownership destinations.
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Frequently Asked Questions
What is Kocomo?
Kocomo is a marketplace and educational hub for the co-ownership of vacation homes, bringing people closer to their dream of owning a second home.
Kocomo makes it easy to learn about the co-ownership model, compare the industry’s key providers, and find the vacation property that’s perfect for you.
Is fractional or co-ownership legal in the United States?
Yes. Co-ownership is regulated at the state level rather than federally. Florida, for example, governs fractional real estate structures under its Vacation Plan and Timesharing Act, and local ordinances (like Miami-Dade County's rules on stays under 30 days) apply on top of state law.
How much does it cost to co-own a vacation home in the US?
Kocomo's US listings currently start from $109,990 for a share, with a typical share priced around $409,500 depending on the market and property, most sold in 1/8 fractions.
Is co-ownership the same as a timeshare?
No. Co-ownership gives you a deeded percentage of real equity in the property — you can sell it, will it, or watch it appreciate. A timeshare only grants a right to use a unit for a fixed week, with no ownership stake. See our Timeshare vs Co-ownership Guide.
Can I get a mortgage for a co-ownership share?
It depends on the provider and property. Some buyers finance their share through traditional lenders with a larger down payment, while others pay in cash or draw on equity from an existing property. Financing terms vary more than with a typical single-family mortgage.
Do HOA or condo rules restrict fractional ownership?
They can. Many condo buildings and HOAs, especially in dense markets like Miami, have their own restrictions on short-term rentals and occupancy, on top of state and county law. It is worth checking a specific building's rules before buying a share there.
Can I resell my share later?
Yes — because it's real deeded equity, not a usage right, your share can be sold or passed on, similar to any other piece of real estate, subject to the co-ownership structure's resale terms.