Questions?
Answered.

Rhome is a structured co-ownership platform that makes homeownership more accessible, flexible, and mobile. You and your group purchase a home together through Rhome's managed trust structure, build equity from day one, and have the option to relocate across the network when life changes.

Rhome is primarily designed for young professionals in their 20s and 30s who want to build wealth through homeownership but value flexibility and mobility. It's also for anyone who's been renting and wants a smarter alternative: couples, friends, or individuals willing to co-own with compatible housemates.

Start by browsing homes on the platform. You can do this without even creating an account. When you're ready, sign up, complete a light pre-approval screening (no hard credit pulls), and form or join a group. From there, your Rhome agent helps you find and close on the right home.

Not necessarily. You can invite friends or people you already live with, which is the most common path. But Rhome also offers a matching marketplace for pre-approved members looking to form or join a group.

No. You own actual equity in the property trust as a beneficiary. You benefit from appreciation and applicable tax deductions. Timeshares are typically depreciating "right to use" assets. Rhome is true real estate ownership.

Each Rhome property is held in its own individual trust. Rhome serves as the trustee and operational manager. You become a beneficiary of the trust, which gives you a direct equity stake, usage rights, and estate planning benefits.

Rhome homes use FHA loans, which allow down payments as low as 3.5% of the purchase price, split among all co-owners. At least one co-owner in the group must qualify as a first-time homebuyer for FHA eligibility.

Rhome provides governance through the trust structure. There's no roommate voting on repairs or modifications. Rhome manages these decisions professionally. Home modifications need Rhome approval, and routine maintenance is handled through the concierge.

Your share is based on the square footage and amenities of your private bedroom (private bathroom, balcony, etc.). That percentage determines both your down payment and your monthly cost: your share of the mortgage, taxes, insurance, plus the $95 asset management fee and repair reserve contribution.

The fee covers Rhome's governance and operational management of your home: co-owner default protection, automated expense splitting, concierge repair coordination, and trust administration.

The repair reserve is calculated at 1% of the home's purchase price per year, divided by 12, divided by the number of co-owners. It covers repairs not included in your homeowner's insurance, like everyday issues like a leaky faucet or broken appliance.

No. It's proportional to your bedroom's square footage and amenities. A larger room with a private bathroom will have a higher share than a smaller room. This ensures everyone pays fairly for what they get.

Your credit and equity remain protected through Rhome's co-owner default protection. You make your payment through the platform, and Rhome handles collections and recovery on that specific share, without affecting the other co-owners.

Submit a repair request through the Rhome concierge. If it's covered by your homeowner's insurance policy, we coordinate with the insurer. If not, the repair reserve fund covers it. Either way, Rhome sends someone to handle it. You don't need to find a contractor yourself.

Every Rhome property has a homeowner's insurance policy through our preferred partners. The repair reserve fund provides additional coverage for items not covered by the standard policy.

After your 12-month initial period, you can swap to another home in the Rhome network. Swaps happen four times per year on fixed dates (January 1, April 1, July 1, October 1). Lock in one month before each date. Swap chains can involve multiple parties across multiple cities.

The swap fee is $500 per swap. It's waived if you're the last person to complete a swap chain. You can browse the marketplace to find fee-free swap opportunities.

Yes. After your 12-month initial period, you can exit the platform entirely and cash out your equity. Swapping is an additional option, not your only exit path.

Swap chains can be multi-party, which significantly increases your chances of finding a match. If no swap is available, you always have the option to sell your share and cash out.