The process

Three steps from solo buyer to a structured group.

Rhome handles matching, equity calculation, and exit term drafting so your group arrives at closing with everything written down.

Step 01

Build your co-buyer group

Complete the compatibility quiz covering your purchase timeline, target price range, neighborhood preferences, and exit expectations. Rhome's matching algorithm scores alignment across all dimensions and surfaces buyers whose profile fits yours across the Miami market.

Groups form organically, two to four buyers at a time. You review match scores, message candidates, and confirm your group before moving to the structure phase. No pressure, no cold introductions.

Start your profile
Buyer match scores
Compatibility: Timeline 94%
Compatibility: Budget range 88%
Compatibility: Exit horizon 91%
Overall match
91 / 100
Shared target
Coconut Grove
Step 02

Structure the equity split

Enter each buyer's down payment contribution and monthly payment share. Rhome calculates the ownership percentage for each group member using contribution-weighted allocation, with an option to apply income-weighted or usage-based formulas.

The equity split is documented in plain language before any paperwork goes to a title company. Everyone in the group sees the same numbers and confirms them in writing before the next step.

See what's included
Equity split calculator
Buyer A 60%
Buyer B 40%
Buyer A monthly
$1,788 / mo
Buyer B monthly
$1,192 / mo
Step 03

Draft the exit terms before closing

The exit term builder walks your group through buyout triggers, first right of refusal, forced-sale conditions, and the formula for calculating a departing owner's payout. Every clause is built from your group's own agreed values, not boilerplate defaults.

The output is a first-draft co-ownership agreement your attorney can review and finalize. Rhome is not a legal service; the document Rhome generates is a structured starting point, not legal advice.

Start building your agreement
Exit term builder
Buyout trigger
Job relocation or financial hardship
First right of refusal
Enabled, 30-day window
Buyout valuation method
Independent appraisal, split cost
Forced sale trigger
Deadlock after 90-day mediation
Common questions

Questions about how it works

No. Rhome is a matching and structuring tool. Rhome does not originate loans, represent buyers in transactions, or provide legal advice. You will still work with a licensed lender and, if you choose, a real estate agent. Rhome's output is a structured co-ownership agreement draft that your attorney reviews before closing.
The compatibility score weights six dimensions: purchase timeline, target price range, neighborhood preference, intended occupancy, planned exit horizon, and financial risk tolerance. Buyers must reach a threshold score on timeline and exit horizon before being surfaced as a potential match, because misalignment on those two dimensions is the most common source of co-ownership disputes.
Groups can dissolve at any point before a purchase agreement is signed with no obligation. If a group member withdraws after signing an agreement, the exit terms your group drafted with Rhome govern the process, including first right of refusal for remaining members. Rhome's Structured and Complete tiers let your group return and re-match with a replacement buyer.
Yes. If you have an existing partner, you can skip the matching step and move directly to the equity split calculator and exit term builder. Skipping the match step does not reduce the scope of the structuring tools available to your group.
Rhome's matching pool is currently focused on the Miami metropolitan area. The equity and exit structuring tools work regardless of location, and groups buying outside Miami can use the Structured and Complete tiers for documentation. Expansion to additional markets is planned.

Ready to build your group?

Create your profile, complete the compatibility quiz, and let Rhome match you with buyers who share your timeline and goals.

Find your buying group

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