Challenge:

1. As the cost of living increases, people are forced to make a tough decision. Do I try to buy a home or continue renting my current house?

2. Rents continue to rise and the average wage continues to decrease in comparison, especially with inflation.

3. Single-income borrowers have an extremely difficult time because of their minimal purchasing power.

4. Investors and landlords continue to increase their share in the real estate market. They are purchasing single-family housing and they continue to expand their reach.

Solution:

1. Give people a fighting chance at homeownership: We understand the added risk and complication that can arise from purchasing a home with someone (we're talking about married couples as well)

2. Allow people to connect with other trustworthy people: When you live with someone else, it doesn't matter whether its splitting a rent or mortgage payment, there is always risk of someone not paying.

3. Provide people with a suite of legal documents: More clarity amongst all parties results in better outcomes for everyone to set the groundwork for a successful agreement.

4. Loan professional verifications: Income levels and credit history can be shared for an added level of confidence and insight into people's worlds