Real Amigos Blog

Expert guides on co-owning property — equity tracking, mortgage splitting, legal structures, and tools for co-owners.

Why Your Co-Owner's Credit Score Is Your Problem Too

March 7, 2026 · 8 min read

Discover how a co-owner's credit score can significantly impact your joint mortgage, from interest rates to long-term costs. An essential read for anyone considering co-ownership.

Co-Owner Exit Strategy: What Happens When Someone Wants Out

March 7, 2026 · 11 min read

Buyouts, forced sales, and partition actions — the financial and legal realities of exiting a co-owned property, and how a co-ownership agreement protects everyone.

The Difference Between Equity and Cash

March 7, 2026 · 6 min read

One of the most common misconceptions in co-ownership is the difference between equity and cash. Learn what it means for your investment.

Escrow Accounts Explained for Co-Owners

March 7, 2026 · 16 min read

Escrow is a holding account, not an expense. Understand how escrow works in a mortgage, why it changes yearly, and how co-owners should split it fairly.

The First Year of Co-Ownership: What No One Tells You

March 7, 2026 · 6 min read

A narrative-driven look at the common financial and emotional challenges co-owners face in their first year, from surprise costs to equity debates.

5 Things to Agree On Before You Buy a Home with Someone Else

March 7, 2026 · 7 min read

Buying a home with a friend, family member, or partner? Here are five crucial agreements you need to make before you sign the papers.

Joint Tenancy vs. Tenancy in Common for Co-Owners

March 7, 2026 · 10 min read

A deep dive into property title vesting, comparing Joint Tenancy and Tenancy in Common to help co-owners make the right choice for their situation.

Financial Conversations Every Co-Owner Needs to Have

March 7, 2026 · 7 min read

A practical guide to navigating the essential financial conversations every real estate co-owner needs to have, from splitting costs to planning your exit strategy.

What Your Mortgage Statement Is Actually Telling You

March 7, 2026 · 11 min read

A plain-English walkthrough of a real mortgage statement, explaining what each line item means and why it matters for co-owners.

Capital Improvements & Depreciation in Co-Owned Property

March 6, 2026 · 9 min read

Capital improvements build equity, but it depreciates over time. Learn how depreciation affects co-ownership equity splits and when renovations stop paying off.

Owner-Occupant Co-Ownership: Rent, Equity & Costs

March 6, 2026 · 9 min read

When one co-owner lives in the property, financial dynamics shift. Learn how rent, equity, and shared costs should work between occupant and non-occupant owners.

The Complete Guide to Splitting a Mortgage with Friends

March 4, 2026 · 20 min read

Everything you need to know about co-buying a home with friends: legal structures, financial math, equity tracking, common mistakes, and real-world case studies.

Equity Tracking in Co-Owned Property

March 4, 2026 · 8 min read

How equity works in co-owned property, why tracking it matters, and how automated tools replace spreadsheets to protect every co-owner's share.

Mortgage Payment Breakdown: Where Your Money Actually Goes

February 25, 2026 · 10 min read

Your mortgage payment is three transactions in one: principal, interest, and escrow. Here's how each works and why it matters for co-owners.

Co-Ownership Financial Management: From Spreadsheets to Automation

February 17, 2026 · 7 min read

Why shared Google Sheets fail for co-ownership tracking, the hidden costs of manual financial management, and how automation protects co-owners from costly errors.