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If you’re exploring different Since this type of So, what is tenancy in common, and how can it help you purchase a primary or second home? Continue reading to learn about the pros and cons of this ownership model, plus the difference between What is tenancy in common (TIC)? Tenancy in common is a home ownership model that allows multiple individuals to own a single property, each holding a distinct share. Unlike joint tenancy, these shares don't have to be equal, making TIC a flexible option for diverse groups of varying income levels or investments. TIC agreements are usually very detailed, addressing various potential conflicts through comprehensive operating agreements. These documents outline financial obligations, maintenance responsibilities and exit strategies. In 2025, as housing costs rise, TIC is increasingly seen as an attractive path to homeownership since it enables individuals to pool resources. Each owner can independently sell, mortgage or will their portion of the property, offering significant autonomy. How a tenancy in common agreement works A tenancy in common agreement is a form of Here is how home buyers can become co-owners within a tenancy in common: It’s important to note that no one person or company is in charge of a TIC. This means that, for example, while one owner might have a 50% interest share in the property, they have the same usage rights as a tenant with 10% ownership.  How to finance a tenancy in common Although a tenancy in common is a form of fractional ownership, you still have access to traditional funding opportunities like loans.  When it comes to financing a tenancy in common, you have two options: Simply put, the main attraction of Tenancy in common property taxes In general, a tax jurisdiction may require property taxes to be paid as a unit. This may be because If your TIC receives a single tax bill, your tenancy in common agreement will determine how the property taxes are paid. Pros and cons of tenancy in common real estate As an arrangement that enables multiple individuals to share ownership of a single property, TIC brings a set of distinct advantages and challenges that prospective homeowners must consider. Understanding these key factors is essential in making informed decisions and forging successful co-ownership partnerships. Let’s dive into the pros and cons of tenancy in common. Tenancy in common advantages Here are the core advantages of opting for a tenancy in common agreement: Tenancy in common disadvantages Although a TIC agreement can be an easily customizable and flexible ownership arrangement, it also has its drawbacks, such as: Tenancy in common example  Now that you understand the basics of how tenancy in common operates, let’s see how this ownership model plays out in a real-world example.  In this scenario, three families enter into a tenancy in common agreement: The story above illustrates how Tenancy in common vs. joint tenancy  The major difference between Let’s break down both co-ownership types: Comparing the different types of tenancy  To understand property ownership, you have to differentiate between the various types of tenancies — and there's more than just the two we've mentioned already.  Ultimately, the type of tenancy you should choose should be determined by your personal situation, legal status (like whether you're looking to buy as an individual or as a How to dissolve a tenancy in common agreement Dissolving a tenancy in common is relatively straightforward and easy to accomplish, assuming all co-owners wish to end the agreement.  Additionally, seeking legal advice, drafting a formal dissolution agreement and adhering to the legal procedures required in your jurisdiction are crucial steps in the dissolution process.  If the co-ownership aspect of a tenancy in common appeals to your real estate goals and you’d like to skip property management altogether, Pacaso offers

Your second home should be a place to relax and unwind — without having to worry about nagging Here’s a closer look at what vacation home management typically involves, and how Pacaso’s approach goes above and beyond traditional solutions. Here’s what professional Property maintenance and upkeep Routine maintenance is at the heart of vacation home management. This includes landscaping, inspections, and repairs to keep the property in top condition year-round. Proper upkeep not only preserves your home’s value but also ensures it’s always ready for a relaxing stay. Many vacation home management companies will also be responsible for seasonal upkeep like leaf removal and snow clearing to keep the home in pristine condition year-round. Vacation home cleaning services Between stays, homes require thorough cleaning and preparation. Cleaning and turnover services make certain that every visit feels relaxed and welcoming, from fresh linens to spotless kitchens and bathrooms. Financial management and bill handling Managing a vacation home involves more than upkeep. The best property managers often include handling utilities, taxes, HOA fees, and insurance—freeing owners from the administrative burdens of property ownership. Guest and owner access coordination Scheduling stays, managing keys or smart locks, and coordinating arrivals and departures is another critical component of vacation home management services. Effective access coordination ensures that both owners and guests have a smooth, stress-free experience. Security and home monitoring Finally, professional vacation home management services often include monitoring the property to safeguard against issues while the home is unoccupied. This can range from smart home alerts to routine inspections, giving owners peace of mind no matter where they are. The challenges with vacation home management companies Even with professional management, many homeowners face challenges that can make vacation home ownership stressful. Understanding these common pain points helps find the best vacation home management solution for you. High costs and hidden fees Many traditional vacation home management companies charge steep service fees, often with extra costs for maintenance, turnover, or concierge services. These expenses can add up, cutting into the enjoyment and financial value of owning a second home, so it’s important to consider Impersonal interactions Some vacation home property managers operate like faceless service providers. Owners may find communication transactional, with little personalized attention or understanding of their preferences and lifestyle. Difficulty reaching support Getting timely help can be a challenge, especially when urgent maintenance issues arise or last-minute scheduling changes are needed. Limited responsiveness can leave owners feeling frustrated or unsupported by their vacation home manager. Limited flexibility Traditional management companies may not accommodate unique homeowner needs, whether that’s last-minute bookings, customizing interior touches, or coordinating with family schedules. Inconsistent standards Not all vacation home management companies maintain the same level of quality across cleaning, maintenance, and upkeep. This inconsistency can affect the guest experience and the property’s long-term condition. Turnkey vacation home management with Pacaso When you co-own a luxury vacation home with Pacaso, you gain true freedom from the burdens of traditional home ownership and the hassles of managing a second home. Pacaso’s fully managed approach ensures every detail is handled, delivering a seamless ownership experience crafted for your relaxation and enjoyment. Stylish interior design and furnishings Outfitting a second home can be time-consuming and costly, which is why Pacaso’s turnkey property management ensures your home is ready for comfortable living from day one. Our goal is to provide you with a second home that is both beautiful and functional.  Our team of interior designers gives each home a thorough makeover, selecting custom furnishings, artwork and accessories that complement the home’s architectural style and layout, making your vacation home interior design feel effortless.  We balance modern design with comfort to create livable luxury. Pacaso owners should feel as comfortable — or more comfortable — in their second home as they do in their primary residence. In addition to furnishings, homes are fully equipped with Design Certified Our top-tier vacation home management services begin before you even walk through the door. Our team of in-house interior designers works tirelessly to create a beautiful space that is unique, inviting, and functional. Every Pacaso home is part of our Impeccable turnover services and maintenance Maintaining a second home from afar can be a challenge, and once you’re there, you want to focus on relaxing—not spending time on vacation home cleaning and upkeep, or a pesky After each owner’s stay, the home is thoroughly inspected and cleaned, and any maintenance issues are logged and resolved. Preventive vacation home maintenance services are scheduled to address potential problems early, and reserves are set aside for long-term or unexpected issues, like replacing an appliance that stops working.  We also supply items like light bulbs and batteries so owners can easily take care of minor issues without needing to run to the store. Pacaso’s vacation home management team also makes sure the property looks great year-round, with regular landscaping and region-specific upkeep like snow removal, so your home stays pristine and ready for every visit. Streamlined bill management When you co-own a home, you need a fair and centralized system of billing. Pacaso property management makes this aspect of ownership simple. For each home, we create an annual Ongoing dedicated support Your relationship with Pacaso doesn’t end with your purchase. You’ll have a dedicated Home Manager to support you before, during, and after your stays.  Your Home Manager or our 24/7 Central Support crew handle any maintenance issues, so you’ll never have to worry about second home management, finding service providers, or scheduling repairs. We also check in with owners to see if their needs are being met and provide an opportunity for feedback. Our number one priority is ensuring Pacaso owners have a The Pacaso property management team Meet some of the Pacaso Home Managers and get an inside look at their day-to-day work as vacation home property managers. Lindsey Harden (Tahoe) In the Tahoe region is Senior Home Manager, Lindsey Harden, who shares the care and service owners can expect. Aaron Olthoff (Colorado) If you’re an owner in Colorado, you’ll get to know Aaron Olthoff. He shares how he keeps every Pacaso home in the iconic Rocky Mountain towns in top condition all year long. Discover the ease of turnkey property management with Pacaso and take the next step toward second home bliss.

You’re considering becoming a homeowner but aren't sure you can afford to do it alone. This is where Here is what you need to know about co-ownership, including how it works, its benefits and drawbacks, the differences between co-ownership and whole home ownership and how to get started. What is co-ownership? Co-ownership occurs when two or more parties jointly own an asset such as a home. In this arrangement, all owners are listed on the asset's title, signifying that each holds a specific percentage of ownership. Opting for co-ownership means entering into a legal and financial partnership with the other buyers and an agreement about shared property access. How does co-ownership of a house work? Co-owners of a house share obligations like property taxes and mortgage payments. Each co-owner must agree to decisions like renovations made to the property. Co-owners are also typically Shared ownership homes may work through either a joint tenancy structure or a What is a co-owned home? A co-owned home is a property purchased and owned jointly by two or more people. All owners are included on the title of the home, and all parties hold a portion of ownership in the property. When you buy a shared ownership house with other buyers, you enter into a financial and legal partnership and a new living arrangement. Why is co-ownership on the rise? Co-ownership has traditionally involved a group of friends or family members coming together to buy a second home, or a child inheriting a house from their parents or grandparents. While co-ownership isn’t a new concept, it has become a more viable Types of co-ownership There are different Tenancy in common A tenancy in common (TIC) is for two or more people with an ownership interest. Tenants may have unequal investment stakes. For example, one owner might have an 80% interest with two co-owners at 10% apiece.  Often, this corresponds to the financial investment contributed at the original purchase. Unless explicitly stated otherwise in the deed, TICs do not have rights of survivorship. Property shares pass to an heir if a tenant dies instead of the remaining tenants. Tenancy in common is available for everyone, regardless of their marital status. Joint ownership All tenants are granted their deeds at the same time and, upon death, agree to pass the property on to their co-owners via survivorship rights to avoid probate. Owners must demonstrate the “four unities” to qualify: Community property Married couples may co-own title as community property in nine states: Arizona, Texas, California, Idaho, Louisiana, Nevada, New Mexico, Washington and Wisconsin. These states recognize couples as a single financial entity. A right of survivorship must be specified so that when one spouse dies, the other can automatically take over the title. Unlike JTWROS, there’s no guarantee of automatic survivorship rights. Tenancy by the entirety Married couples can also choose tenancy by the entirety (TBE) as their co-ownership model. TBE is a type of joint tenancy that comes with survivorship rights. This ensures the property avoids a costly probate process and passes immediately into the widowed spouse’s hands. Tenancy by the entirety views couples as one financial entity, so the property is considered to be owned by “one person.” Modern co-ownership Pacaso is an example of modern co-ownership, the new way to co-own luxury vacation homes. Modern co-ownership comes with some key differentiators, such as: Pros and cons of co-owning a home As an alternative to buying a whole second home, co-owning a house offers owners a unique set of benefits for buyers, as well as things to consider: What’s needed to start a co-ownership agreement? Whether you are doing Common elements of a successful co-ownership agreement include: Types of co-owners You can co-own a home with a family member, friend and even a stranger. The people you’re looking to co-purchase a home with could influence the type of co-ownership. For example, friends, partners and strangers might consider a TIC or joint ownership, while married couples might benefit from community property and TBE. Buying a home with other people is a major undertaking, regardless of the co-owner. Not only is DIY co-ownership challenging, but it also presents factors outside of your control. Job changes, financial disruption, health issues and other major life and lifestyle changes could impact each person’s commitment to the second home.  Co-ownership mortgage differences If you decide to purchase a home through co-ownership, you and your co-owners will likely take out one mortgage loan — unless you plan on paying all in cash. Advantages of co-ownership mortgages include: But you’ll also need to consider: If you are co-purchasing a home part of a TIC, you may qualify for a fractional loan that reduces your financial responsibility to only your loan and not your co-owner’s. However, Differences between a co-signer and co-buyer A co-buyer (or co-owner) is different from a co-signer regarding ownership and payment. Co-signers take full responsibility for a loan along with a primary signer, but they do not have any ownership rights to the home. In contrast, a co-buyer has equal or similar rights to other buyers co-owning the home. Another difference is that co-buyers are responsible for payment from the start of the loan. Co-signers, however, only assume responsibility if the primary signer is unable to make their mortgage payments. Selling a home with co-owners If you decide to sell your home, there are scenarios to consider: The first is where all owners want to sell, and the second is when one owner wants to sell their ownership interest but the others do not. If all owners of a co-ownership property decide to sell, the situation is less complicated, as there would be no debate over the right to sell. Outlining these terms in the co-ownership agreement from the beginning is critical. What happens when only one person wants to sell? With certain co-ownership models like tenancy in common or joint ownership, you have the right to sell your interest in the home. While you cannot sell without the permission of the other owners (as you do not hold sole ownership), you can still share your share at any given time once approved. The buyer of your share — which could be another co-owner — would take on the same portion of ownership that you held in the property.  H2: Co-ownership vs. fractional ownership While co-ownership and However, unlike timeshares, co-ownership and fractional ownership models provide deeded ownership, Tips for co-buying a house If you’re thinking co-buying is for you, here are some additional tips to consider: Co-own a home today Co-owning a home empowers people to own property and build equity while lowering the financial and logistical burdens of buying and owning a whole house.

Second home traditions become the heart of family life A second home is more than an address. It is a familiar backdrop for holidays that start to feel effortless, summer weeks that always include the same hike or beach day, and milestone moments everyone can count on. With Pacaso co-ownership, families return to the same beautifully designed home again and again, so the rituals stick and the planning gets easier. Build traditions with a second home in iconic places Anchor family time in world-class destinations and enjoy the same rhythm every visit. Spend spring art walks and café stops in Paris Kiawah Island Los Cabos San Diego Breckenridge London Host holidays and milestones with less effort With Pacaso co-ownership, you enjoy the right amount of time in a designer home, which makes it easier to plan repeat holidays and celebrate life’s big moments. If you plan to buy a vacation home through co-ownership, align on a few meaningful dates and let the setting do the work. The lifestyle benefits families value year after year If you want to buy a vacation home for shared time, consistency matters for your second home. Pacaso homes are move-in ready, professionally furnished and designed for gathering, so the focus stays on time together. Here are simple reasons traditions take root: Anchor your year in a second home that matches your dreams Ready to make tradition part of your calendar every year? From an urban base like

It seems almost too good to be true: Own a piece of vacation heaven, a guaranteed yearly getaway, at what appears to be a pretty affordable price. That’s the promise of timeshares — shared ownership arrangements that give multiple buyers the right to use the same property for specific periods each year.  But when you take a closer look at how timeshares work, you may find yourself with questions about their flexibility, long-term value or hidden fees. So, Before deciding, it’s important to understand what a timeshare really is and explore modern alternatives that offer real ownership and more freedom in your path to How do timeshares work? A timeshare is a shared vacation property ownership model, most often connected to hotels or resorts. Instead of one buyer owning the property outright, the ownership is divided among multiple people (typically up to 52) so each person has the right to use it for a set number of days or weeks per year. Think of it as purchasing time rather than the property itself. Owners don’t hold full real estate ownership but instead secure the right to stay in the same accommodation at recurring intervals. For example, if a unit is divided among 52 owners, each person usually gets one week of use annually. This arrangement makes vacation homes more affordable while guaranteeing consistent access to popular destinations. However, it’s important to note that timeshares generally tie you to a single property, unlike Here’s a closer look at the general steps that show how timeshares work: Real-world timeshare example Let’s say your family buys a timeshare property in If you vacation there for ten years straight, you’ll have spent $38,000 ($25,000 initial cost + $1,300 annual fee x 10 years) plus any additional maintenance fees. Divided across 140 nights (14 per year), that adds up to $271 per night, which may be cheaper than the cost of the room if you book on the resort’s website. The potential savings via a long-term contract are why some people find timeshares so appealing. The success of the timeshare model depends on each unit being owned by multiple parties, often dozens at a time. Owners don’t always live nearby either— the average distance between a timeshare and an owner’s primary residence is over 1,000 miles. According to a With so many options available, it helps to understand the different types of timeshares and how each one works. There are many types of timeshares, but most fall into two main contract structures. Deeded timeshares Deeded timeshares divide ownership of a property into smaller shares that reflect how long you can stay. For example, a property split into two-week intervals would have 26 owners. The most common model is a 52-part split, one for each week of the year. With a deeded timeshare, you hold real ownership that can be sold, willed to family, or transferred. Most timeshares in the U.S. are deeded. Right-to-use (lease) timeshares Right-to-use (RTU) or leasehold timeshares operate more like a long-term rental. Instead of owning a portion of the property, you lease the right to stay for a set number of years—commonly 20 to 99. Once the contract expires, your usage rights end. Like deeded models, you’ll still share the property with other owners, often up to 52 families. With an understanding of the two main types of timeshare contracts, let’s explore the three primary ways vacation time is divided among owners. To avoid a Ultimately, ask yourself: "Is this a place I want to stay year after year?" This can help you determine if a timeshare is right for you. Fixed-week timeshare Fixed weeks mean you’re locked into the same week every year (say, the third week in April). While this offers the predictability of always having your vacation secured at a specific time, it also means your travel dates are rigid. Changing your fixed week usually comes with a hefty price tag in the form of an upgrade fee, if it's even possible, making it less flexible for those whose schedules vary from year to year. Floating-week timeshare Floating weeks let you choose your week seasonally. This offers more flexibility than a fixed-week model, since you're not tied to the exact same dates every year. However, that flexibility comes with a trade-off: floating week systems are very competitive among timeshare owners, and the best slots during high season get snatched up quickly.  You'll often need to book far in advance to secure your preferred dates. If keeping your Points-system timeshare Some timeshare properties operate with a points system where you “pay” for your stay with points, giving you greater flexibility in how you travel. This means you're not restricted to a single property or a specific time slot each year.  Choosing an off-season, weekday stay or downgrading to a smaller room may cost fewer points overall, allowing you to stretch your points for more frequent, shorter getaways or save them up for something bigger.  By contrast, you can also use points to upgrade components of your vacation, such as getting a bigger room or a better view — or even enjoy another How much does a timeshare cost? A timeshare's cost involves two main components: an initial purchase price and ongoing annual fees. In addition to the upfront payment, you'll be responsible for Be sure to check the terms of your timeshare contract before signing. This document should outline all of the one-time and ongoing costs, including: Financing a timeshare Banks typically do not offer loans for timeshares, leaving buyers with limited financing options outside of the timeshare company itself. With little competition, some companies rely on high-pressure sales tactics and may charge interest rates between 14% and 20%—significantly higher than most second-home loans on the open market. These factors can greatly increase the overall cost of a timeshare, making it crucial for buyers to carefully review the full financial commitment before signing any agreements. Using a What are the pros and cons of a timeshare? However, there are downsides to consider. Annual fees and special assessments can be costly, and selling a timeshare on the secondary market can be challenging if it’s no longer the right fit. The industry has also gained a reputation for high-pressure sales tactics. Additionally, timeshare ownership typically does not provide the financial benefits of traditional real estate, such as equity growth, What does exiting a timeshare look like? If a buyer eventually decides to sell their timeshare, recouping the initial investment and yearly maintenance fees can be difficult. While new timeshare sales continue to grow, the resale market is flooded, with While exiting a timeshare is notoriously challenging, there are six Learning each strategy’s associated costs and understanding which strategy works best for you will help streamline the overall process. What are some timeshare alternatives? With the high costs and limitations associated with timeshares, it’s recommended you first From second home co-ownership and vacation home ownership to vacation rentals, travel clubs, and resorts, each timeshare alternative comes with its own set of features. Options differ in flexibility, ownership structure, fees, and overall cost, allowing vacationers to choose what best fits their needs and lifestyle. What’s the difference between fractional ownership and timeshares? When comparing The benefits of fractional ownership become clear across factors like the number of owners, scheduling flexibility, equity, management, maintenance, building type, cost, and resale value. Fractional ownership generally means fewer owners, more flexible scheduling, and a share that can appreciate over time. Owners also enjoy the comfort of luxury vacation homes rather than individual units within hotels or resorts. What’s the difference between vacation clubs, timeshares, and second homes? The main Owning a second home — usually a vacation property separate from your primary residence — offers you the freedom to visit multiple times per year, potential property appreciation, and the ability to avoid the challenges of reselling a timeshare. How does Pacaso differ from timeshares? And should you decide to sell, you can sell at any time, at the price you set. Learn more about how co-ownership of a second home works with Pacaso and Here’s how traditional timeshares Benefits Pacaso offers With Pacaso, you enjoy the

Behind the scenes of every breathtaking estate, ocean-view villa, or designer penthouse is luxury property management — an entire ecosystem that ensures every detail runs flawlessly. From seasonal maintenance to anticipating an owner’s preferences before they arrive, luxury property managers operate with precision, discretion, and an eye for perfection. Luxury property management vs. traditional property management While traditional property management focuses on efficiency and occupancy, luxury property management services Traditional Luxury property managers serve less as building supervisors and more as stewards, blending operational expertise with hospitality-level service. Where standard managers respond to issues, luxury managers anticipate them — protecting not only the property but the lifestyle it represents. Here’s how traditional and luxury property management services compare across key aspects of service, clientele, and approach: What are some key luxury property management services? At the heart of luxury property management is a commitment to proactive care and personalized service along with the ability to foresee needs before they arise. While the scope of services varies by company, all luxury property management companies blend operational excellence with high-touch attention to detail, ensuring that each home is functional, comfortable and flawless. Core services and operations These foundational services form the backbone of any luxury property management company: Home presentation and upkeep Beyond operations, a luxury property manager also emphasizes the visual and experiential aspects of ownership by maintaining beauty, functionality, and a sense of refinement throughout the home. Concierge and lifestyle services The extent of concierge offerings varies by provider. Some luxury property management companies offer services like: What does luxury property management look like for vacation homes? Owning a second home in a sought-after destination like a ski retreat in Luxury property management provides the local presence every second-home owner needs to keep the home meticulously maintained and fully prepared for every arrival. From remote oversight and seasonal maintenance to vendor coordination and home readiness, professional management keeps properties running year-round. Before each stay, the home is refreshed to perfection: fresh linens, stocked pantries, ideal climate settings, and personalized touches that make it feel instantly familiar. When the season ends, the same team oversees winterization, storm preparation, and maintenance closures to protect the home’s value and condition between visits. Whether it’s care specific to What are some emerging luxury property management trends? The world of luxury real estate is evolving fast — and so is the way these properties are managed. As technology, travel, and lifestyle expectations shift, luxury homes are becoming more connected, data-driven, and experience-oriented than ever before. Co-ownership models Modern buyers are prioritizing flexibility over full-time responsibility. Co-ownership models like Pacaso gives owners access to luxury vacation homes without the year-round responsibilities of upkeep, coordination, or constant oversight — with a luxury property manager handling every detail, from maintenance to home readiness and owner support. Smart technology Smart home automation allows owners to manage every aspect of their property remotely — adjusting lighting, temperature, or pool systems with a tap, or monitoring security feeds from anywhere in the world. For managers, it provides real-time visibility into maintenance needs, energy efficiency, and occupancy patterns, allowing them to respond before issues arise. From automated climate control for art collections to AI-powered systems that learn owner preferences, the smartest homes operate seamlessly behind the scenes. Wellness and experience design Homes are increasingly curated around wellness with built-in features like home gyms, spa suites, air-quality systems, and biophilic design elements that promote calm and balance. Sustainability High-end estates and luxury property management companies are embracing environmentally conscious practices that enhance both the efficiency and longevity of the homes they oversee. Features and eco-minded strategies like solar The new standard of home ownership with Pacaso Today’s luxury homeowners are looking for more than a property — they want freedom, flexibility, and a trusted partner to handle the details. Pacaso represents the new standard in luxury property management: professionally managed co-ownership that delivers all the benefits of owning a second home, without the hassles of full-time, traditional ownership. Each Pacaso home is

San Diego luxury homes for terrace entertaining San Diego luxury homes make outdoor entertaining effortless, thanks to expansive terraces, ocean breezes and seamless indoor outdoor flow. From casual sunset cocktails to formal dinners, terrace homes create room for every gathering style while taking full advantage of the region’s mild climate. Co-ownership with Pacaso lets you enjoy these spaces in a professionally managed home, without the hassle of upkeep. Why terraces shine year-round in coastal San Diego Outdoor living is more than a design preference here, it is a lifestyle. Buyer interest in terraces, outdoor kitchens and entertainment zones in San Diego luxury homes continues to grow across the high-end market, and early spring momentum underscores the appeal of these spaces as the weather warms. In fact, homes listed in late March to early April have historically sold for about 2 percent more in San Diego, aligning with peak enthusiasm for outdoor living. Design trends shaping San Diego luxury homes Today’s terraces are purposeful, flexible and made for hosting. Consider these design moves when evaluating terrace homes or planning your next gathering space: Must-have amenities for terrace entertaining Entertaining works best when the terrace is as functional as it is beautiful. Prioritize amenities that keep the party flowing: For sky-high gatherings, Hosting tips for refined outdoor gatherings A well-planned terrace invites guests to relax and linger. These simple strategies keep events polished and low effort: Steps from Windansea Beach, Where terrace homes shine in San Diego Terrace homes with panoramic views cluster in standout neighborhoods. La Jolla offers bluffside decks and walkability to How Pacaso co-ownership fits your lifestyle Pacaso pairs the allure of San Diego luxury homes with a modern way to own. Enjoy professionally managed, designer-furnished homes with expansive terraces, without the stress of full-time upkeep. While individual listings in the top tier have recently taken longer to transact in the broader market, co-ownership offers a streamlined path to step into the lifestyle and start hosting sooner. Experience terrace living in San Diego Ready to host on your own terrace with ocean views and a chef-worthy outdoor kitchen? Explore available homes in

Turnkey homes: Guide to effortless London living For many buyers, the pace of life in London makes time the ultimate luxury. That is why turnkey homes are so compelling. These fully finished, beautifully furnished residences let you step into the city and start living right away. For those considering luxury homes in London as a second address, Pacaso co-ownership offers a straightforward path to a turnkey home in prime neighborhoods without the workload of sole ownership. What turnkey means in London today In London, turnkey describes homes that are fully designed, furnished and equipped to a high standard, so you can enjoy the space immediately with no additional work. Demand has climbed notably in Prime Central London, where convenience is paramount. Recent analysis notes that 17 percent of London buyers now prefer homes that require no additional work, with the figure rising in prime and super prime segments ( The market has even embraced a super turnkey standard that layers designer furnishings, curated art and finishing touches onto already completed residences, offering immediate enjoyment with minimal decisions for the buyer Tucked in Mayfair, Benefits of turnkey homes you feel from day one Turnkey homes for sale in prime London neighborhoods If you are shortlisting turnkey homes for sale, focus on essentials that enhance daily life in the city. Use this quick checklist to keep your search efficient and on point. On Mayfair's only gated street, How Pacaso co-ownership makes London effortless Pacaso curates and designs fully furnished homes, manages care and simplifies scheduling so you spend time enjoying London, not maintaining a second address. Co-ownership gives you access to beautifully finished spaces in exceptional areas, with ownership structure and professional management that keep everything running smoothly. In Chelsea, Design details that define luxury homes in London Great turnkey design blends British character with modern ease. In luxury homes in London, look for details that feel considered and practical for daily use. In Belgravia, How to choose your London base Make London yours without the work Turnkey homes align perfectly with how buyers want to experience the city. Explore Pacaso turnkey homes for sale in prime neighborhoods and see how co-ownership can simplify your London life. Start with our

Nothing tests a home like a full house, especially occasions like family getaways and holiday gatherings. But with the right luxury home features, hosting can be smooth instead of stressful. Here’s a look at standout features in Pacaso homes that make a house full of people feel like an experience everyone actually enjoys. A chef’s kitchen built for large-scale hosting Pacaso home: Nothing derails a gathering faster than a sink full of plates and a host stuck rinsing instead of relaxing. Holidays like Thanksgiving practically guarantee an avalanche of dishes — but a chef’s kitchen with dual dishwashers changes the equation. With room to spare and twice the cleaning power, you can serve, reset, and get back to the fun instead of living at the sink. A rooftop with panoramic mountain views Pacaso home: This is the kind of space that defines luxury home layouts. Residents can enjoy morning coffee with magnificent views of the Tetons, pre-dinner happy hours lit by a vibrant sunset, al fresco meals, or even a game night under the stars. With panoramic mountain views from the heart of downtown Jackson, it’s the kind of setting people remember long after the trip ends. Resort-style amenities Pacaso home: This home is built for outdoor living: an infinity pool and jacuzzi overlooking the water, a palapa-shaded lounge for long, lazy afternoons, and a fire pit made for late-night conversations. In addition to these luxury home features, owners also receive a complimentary first-year membership to the exclusive Palmilla Dunes Beach Club — with resort pools, a state-of-the-art fitness center, spa, tennis and pickleball courts, and oceanfront dining. It feels like checking into a five-star resort, just with the added comfort of home. Indoor–outdoor living Pacaso home: Just steps from the sands of La Jolla Shores, this home blurs the line between inside and out – a popular feature of luxury home layouts. An open floorplan flows out to dual-level decks with ocean views, a poolside terrace, and a fire pit — the perfect setting for entertaining, hosting events, or winding down after a day at the beach. The outdoor kitchen, complete with pizza oven and BBQ, makes it easy to serve a crowd without ever leaving the breeze.  A guest house for flexibility and breathing room Pacaso home: On 30 acres in Napa Valley, this property includes a separate one-bedroom guest house — a hosting luxury that solves countless scenarios. It gives family or friends a quiet place for longer stays, lets grandparents turn in early, or offers teenagers a bit of independence without being truly “away.” Everyone is together, just not on top of each other — the key to repeat visits. A game room and wine room for after-hours hosting Pacaso home: At this South Lake Tahoe home, the fun doesn’t end when the day does. A spacious loft-style game room sets the stage for billiards, cards, or a friendly rematch after time on the slopes. Just steps away, a dedicated wine room makes it easy to pull a favorite bottle and settle in for a night of good company and conversation. It’s the kind of space where people stay up too late swapping stories, pouring “just one more,” and turning a regular night into a memory. Sometimes the best luxury home features are the ones that bring people together. Private suites with kitchenettes for true guest independence Pacaso home: This Palm Springs home takes hosting events or family gatherings a step further with five individual casita-style guest suites. Each one is thoughtfully appointed with its own kitchen, bathroom, and dining nook — giving visitors the freedom to brew their own coffee, make a quiet breakfast, or settle in without waiting on the host. A shared courtyard brings everyone together when it’s time to socialize, but the privacy in between is what keeps guests happy to return. Ensuites and balconies for every guest Pacaso home: In Park City, this three-level, five-bedroom home gives every visitor a true suite experience. Each of the four guest rooms includes an en suite bathroom and access to outdoor decks, so no waiting for a hot shower after a day on the slopes, and no competing for space in the morning. Guests get comfort and autonomy, while the host gets peace of mind. Luxury home features, built in and ready to enjoy When you own with Pacaso, the

When you’re traveling, where you Enter another option: a Pacaso second home. Here’s why co-owning a second home is a better option for your vacations than a The unexpected value of a Pacaso People have compared Pacaso to a hotel, Airbnb or a While Pacaso offers a unique form of co-ownership through an LLC, traditional co-ownership models like But it's not just about these practical advantages. A Pacaso offers valuable benefits that can only be experienced as an owner. Here’s what our owners have to say.   1. You can just show up and enjoy your home While hotels and short-term rentals can vary widely in quality, you can expect your Pacaso to be fully appointed and pristine — every time you return. Your home is taken care of by a 2. It’s easy to host your favorite people Making memories with friends and family is one of the most life-enriching parts of a vacation. And with your Pacaso, it’s easy to do just that. From outdoor kitchens and al fresco gathering spaces to open grand rooms and game rooms, Pacaso has the space, features and details to help the ones you love feel comfortable and enjoy quality time together.  — 3. You have the whole place to yourself (and your guests!) At your Pacaso, you always have the whole space to yourself. Your home belongs to you. Our homes feature large gathering spaces, and many also have spacious outdoor areas, patios, balconies and decks. Whether you want to relax, work from home or throw a celebration, you’ll have plenty of space for your whole crew. And it’s not just about space — unlike hotels and Airbnbs, all your guests are welcome at your Pacaso (even your dog!).  — 4. You get to live like a local When you own a Pacaso, you become part of a community. You’re not bouncing through different hotels, homes and places — you return to a neighborhood where every aspect is familiar, from your favorite place for breakfast to local museums. Being able to call a place you know and love home makes for a seamless (and special) vacation every time.  5. You won’t have to stress about your vacation Staying at your own Pacaso offers a different experience from the typical vacation. Rather than having to plan things to do and places to eat at, you have all the — 6. You have all the conveniences of home When you come to your Pacaso, there’s no need to pack the small things. Bathrooms are stocked with towels, hair dryers, a scale, magnifying mirror and basic toiletries. Your home has high-speed WiFi and 7. Every detail is luxurious One of the standout things about owning a Pacaso is having luxurious touches throughout your home, allowing you to vacation in style. In addition to our standard amenities and features, you’ll find high quality linens, Turkish towels, premium kitchen products (including Cuisinart, Le Creuset, Ninja and more), porcelain tableware and a Peloton in select homes. These are the small details that make your vacation special.  — Vacations (and memories) made better When you co-own a Pacaso, you enjoy hassle-free time at a place that feels like your home (because it is). You have the amenities and convenient experiences of a hotel, the wow factor of a luxury Airbnb, and the space and privacy of a vacation home — plus, all the benefits of home ownership. This is what sets Pacaso apart.  Ready to shift into vacation mode and start making lifelong memories? Check out our

Searching for a place to unwind, reconnect with loved ones and create lasting memories? 1. Enjoy your own personal retreat 2. Have flexibility for your vacations With a vacation home, you no longer need to fight for reservations during peak season or scramble to find last-minute Do you need a quick weekend escape to clear your head? Or a 3. Build a lifetime of memories A vacation home transcends bricks and mortar — it becomes a cornerstone for creating cherished memories with the people you love. Host unforgettable holidays and family gatherings to create lifelong memories.  Imagine cozy nights by the fireplace at your 4. Relish familiar settings Owning a vacation homes has the benefit of being your home-away-from-home. Equip your space with 5. Embrace a new community Purchasing a vacation home can open doors to a new community. Strike up conversations with friendly neighbors who share a love for the area. Explore local shops and restaurants, gaining a deeper understanding of the region's culture and hidden gems. This sense of belonging can enrich your vacation experiences and grow your sense of community at your second home. 6. Cultivate a sense of adventure A vacation home can serve as a springboard for exploration. Since you have a convenient home base, you can delve deeper into the surrounding area. Explore nearby towns, hike or bike scenic trails or discover hidden Proximity to these activities allows you to embrace a more adventurous spirit and enjoy experiences beyond the typical tourist’s itinerary. 7. Create a healthier lifestyle A vacation home can be a catalyst for embracing a healthier way of living. Many vacation destinations offer opportunities for Inside you vacation home, consider creating a dedicated 8. Pass down an asset to your children A vacation home can become a cherished part of your family's legacy. It can be a gathering place for future generations to reconnect with loved ones and create lasting memories.  Eventually, you can pass vacation homes down as an inheritance. A valuable asset like this can give your children and grandchildren a special connection to their family history. 9. Choose a location close to activities you love Finding a second home in a place that supports  your interests and hobbies can significantly enhance your lifestyle. Imagine living by a lake and spending your weekends fishing, or owning beach house with nearby easy access to kayaking or paddleboarding. For those who crave the thrill of winter sports or the serenity of mountain hikes, a cozy cabin could be the perfect fit. 10. Take advantage of unique financing options When buying a vacation home, you can access Additionally, your vacation home expenses don’t end with the Advantages of vacation homes Although owning a second home has some down sides, the advantages can greatly outweigh the trouble of finding and financing a vacation home. The pros of owning a second home or Personal use When you own your vacation accommodations, you always have a great place to stay (even if it’s a busy holiday weekend). You can keep all the comforts and necessities — clothes, toiletries, outdoor gear and more — at your vacation home so you can get away from it all at a moment’s notice. Unlike relying on reviews to choose a hotel room or short-term rental, you always know exactly what to expect when you arrive at your vacation home. Buying Your vacation home could become your primary residence once you retire, but you can start enjoying it and building equity long before it’s time to turn in your employee badge. In the meantime, it’s a special place to bring family together for vacations and special events. You can also pass down your vacation home to your heirs. Passive income potential Although some owners prefer to keep their vacation home exclusively for personal use, listing your second home as a short-term rental may also be possible. If you don’t want your vacation home to sit vacant when you’re not using it, you may be able to rent it out to others and use the money toward the mortgage and maintenance expenses. Potential property appreciation Whether you plan to keep your vacation home for personal use or earn passive income, your property may increase in value. A secondary residence can increase equity and value appreciation like a primary residence.  In this way, buying a vacation home can be an investment. Of course, housing markets fluctuate, so value appreciation depends on market trends where you buy. Adding real estate to your portfolio is a great way to diversify your portfolio and hedge against the ebb and flow of different markets. It’s always smart to consult a financial planner before making such an investment.  Tax benefits You can deduct any mortgage interest paid on up to $750,000 of principal mortgage debt, including your vacation home. Other If your vacation home doubles as a short-term or long-term rental, you may also be able to claim certain costs as business expenses for your vacation rental business. Consult with a tax professional to determine which  tax deductions you’ll be eligible for. Challenges of vacation homes Vacation home ownership also includes several challenging cons. Property maintenance and management Your second home likely won’t be close enough to your primary residence for you to stop by frequently. Home repairs and regular maintenance (lawn mowing, snow removal, etc.) can become a hassle. And if you’re renting out your second home, you must deal with reservations, clean up and more.  A potential solution is to Income volatility If you plan to rent out your vacation property, you’ll need to be aware of the high and low tourist seasons in your home’s locale. Plan for income fluctuations and charge appropriate nightly rates to curb potential low-season vacancies.  To keep attracting bookings, you may need to pay for marketing and advertising your property to help decrease income volatility. Local vacation rental laws Many towns are passing ordinances prohibiting short-term rentals or requiring homeowners to pay hefty fees to list a home as a rental. Check local laws before banking on your ability to rent out your vacation home.  Remember that other Limited location Once you invest in a vacation home, you’ll probably want to use it as much as possible. That means you’ll likely spend more time in one Just like an unused gym membership or a new dress in the back of the closet, a distant vacation home can easily turn from a dream come true into a money pit if you’re not committed to using it regularly. Co-own a vacation home with Pacaso While there are nearly a dozen reasons to buy a vacation home, the initial cost and ongoing maintenance can be daunting. Pacaso offers a unique DISCLAIMER: This content is published solely for informational purposes and isn’t intended to be investment advice. You should consult an appropriate professional for specific advice tailored to your situation.

If you’ve found the most incredible second home in a picture-perfect location, there’s a good chance you’ve started looking into financing options to make your dreams a reality. So let’s discuss how to buy a second home with no money down.  We won’t lie: 1. Use government-backed loans by changing your primary residence  There are several government-backed loans for second home options to consider. The first is VA loans are for The second is 2. Assume an existing mortgage  Another option for a no-down-payment mortgage is to assume an existing mortgage. If the seller’s home has an 3. Tap into existing home equity  You can also choose to tap into your existing home equity by using a Or use a home equity line of credit ( If you already have a mortgage, these would both be second mortgages that you’d need to pay in addition to the first.  4. Reverse mortgage A reverse mortgage is an option for seniors 62 and older. It allows seniors to access home equity without monthly mortgage payments, and the funds can be used as a The loan is repaid when the senior sells the house, moves out or passes away — whenever they no longer live in the home. The heirs or homeowners must repay the loan, usually by selling the home. It’s important to note that this type of loan comes with high fees and complexities. We strongly recommend consulting a financial advisor first if you’re considering a reverse mortgage.  5. Gift of equity  Another no-money-down mortgage option is a gift of equity. A gift of equity is when someone with whom you have a close relationship sells you a home below market value. Usually, the person is a family member.  If the gift of equity is equal to 20% or more of fair market value, you can avoid down payment contributions. However, you’ll need to consult tax advice to understand the tax implications of a gift of equity.  6. Lease with option to buy  A lease with option to buy, or lease option, is a rent-to-own contract that lets you rent the property to test it out, with the opportunity to commit and buy at the end of the lease. Usually, the lease contract is for a number of years.  If you decide to buy, rental credits can be applied toward the purchase price and converted into a down payment. It’s important to negotiate these terms upfront with your landlord with the help of a tax professional and real estate attorney.  7. Seller financing  Another option is to negotiate directly with the seller to finance the purchase. You may be able to negotiate terms that require less or no down payment. However, it’s very important to be aware that seller financing doesn't include standard mortgage protections, so you may not have the same legal safeguards as you would in a traditional mortgage. 8. Retirement account access  You can This allows you to borrow money from your 401(k) and repay it with interest. You can also make a 401(k) withdrawal for your home purchase. However, if you are under 59, you’ll have to pay a 10% withdrawal penalty plus income tax.  9. Partnership or co-borrower Lastly, consider partnering with someone who can provide the down payment while sharing the ownership or financing burden of the second property. Key considerations  Buying a second home with no money down can be a huge leap, and it’s important to know how it will impact your financial future. Here are some things to consider before you take the plunge: An alternative approach: Pacaso co-ownership  So, can you buy a house with no money down? Technically, there are ways, but it can be a tough road to go down. Instead, consider Pacaso as a better approach to Pacaso’s fully managed LLC co-ownership model allows you to purchase 1/8 or 1/4 of a vacation home property. You split the costs with your fellow co-owners, while our local maintenance crews handle daily maintenance and management. You and your loved ones get exclusive access to the home at specific times throughout the year. Get your dream second home with Pacaso  As you think about how to buy a second home with no money down, consider Pacaso for a lower-cost, hassle-free way to co-own your luxury vacation home. Finance up to 70% of your home’s purchase price and sell your home at the time and price of your choice. View our

Dreaming of Let’s explore the seven steps of how to purchase a second home: 1. Determine your budget Buying a second home is a significant Determining your budget for a second home involves assessing your current and future finances. Consider income, expenses and additional costs like taxes and maintenance, especially if you will be assuming a second mortgage. A Evaluate financing options and consult a financial advisor for insights into tax implications and investment alignment. This thorough analysis ensures that your second home purchase aligns with your financial goals and lifestyle. Second home expenses In addition to the purchase price, be sure to factor in these expenses when budgeting for a second home: Although second homes come with their fair share of added expenses, they also offer a few tax deductions that make your second house dreams less costly. As you’re crunching the numbers, remember your second home can also be a source of rental income and These are great ways to make owning a second home more feasible. However, 2. Consider your financing options Lenders often see second homes as being at higher risk for loan repayment. For this reason, Here are some things to consider when financing a second home: It’s important to note that classifying your second home as an Buying a second home doesn’t have to be a solo endeavor. 3. Compare lenders When comparing lenders for a second home, it's essential to conduct a thorough evaluation to secure the best financing option tailored to your specific needs. Consider the following factors and use them as a basis for comparison: By comparing these factors among different lenders, you can make an informed decision that aligns with your financial goals and secures the most favorable mortgage terms. 4. Get pre-approved Getting pre-approved for a second home is a simple process, with many lenders allowing you to apply online. They look at your financial history, including your current income and debts, to give a rough number regarding what you can afford. At this stage, Having a pre-approval letter from a lender can give you a leg up when it’s time to make an offer on your dream second home. Be aware, however, that since some lenders may see 5. Find a location and a local agent Once you decide how to use your second home, you can hone in on the perfect location. Going with your favorite Ask yourself: Confirming your reason for owning a second home can help you decide on the perfect destination for your new vacation spot. Choosing the right agent Finding a knowledgeable agent in your target market can significantly decrease your workload in your second home search. You can use their local knowledge to help you with logistics and make an informed decision. Research local agents online, cross-reference reviews and ask for recommendations from your friends and family when possible. According to Redfin, the going rate of a real estate agent is about 6. Make an offer Purchasing a second house will be a familiar process if you’re already a homeowner: You make an offer, negotiate, come to an agreement and prepare for closing. Prior to closing, you will: Once your offer is accepted, it’s time to begin the closing process for your new home. 7. Begin closing After the seller accepts your offer, the second home closing process begins. This process involves several crucial steps: Although closing on your second home may appear overwhelming, a smooth closing is key to turning your house purchase into a dreamy second home getaway.  When considering purchasing a second home, you'll want to evaluate your finances, lifestyle, and market conditions to determine whether it's the right time to purchase—but those factors are just the tip of the iceberg. Here are some of our team's top considerations for those considering a second place of residence.  Assess your current financial situation to see if you can comfortably afford a If additional debt strains your financial resources, it may not be quite the The ideal second home aligns seamlessly with your lifestyle. Prioritize locations that support your hobbies and desired activities, guaranteeing a frequent and enjoyable retreat. If you like to ski, for example, a When deciding on the main goal for your second home, it's crucial to determine if you're primarily interested in generating rental income, building long-term investment appreciation, or creating a personal retreat. Each of these objectives will significantly affect your approach to buying, managing, financing, and handling taxes for the property. Owning a second home comes with significant responsibilities. Are you prepared to manage the upkeep of two properties? This includes regular maintenance, potential repairs and the time and financial commitment of traveling between both homes. If not, are you willing and able to hire a property management company or other professionals to handle these tasks?  Remember that delegating these responsibilities will add to the overall cost of owning a second home. Finally, when looking to take a big step forward in your second home journey, you'll want to look at the Now that you know how to buy a second home, it’s time to find the second house of your dreams. If turn-key luxury is what you’re after, consider buying a second home with Pacaso. Each of our co-owned homes is part of an LLC, is fully decorated and furnished, and comes equipped with a dedicated property manager to make your second home ownership journey as stress-free as possible. We even Check out our

The good news is that if you 1. Savings and investment account Using your personal bank account to fund your second home But that’s not the only personal fund you can tap into for Using money from your investment account is similar to withdrawing from your savings account. The key difference is that you may need to pay taxes on any gains the money earned while invested. 2. Sale of an asset Selling assets when you come up short on funds may be the only way to keep that second home of your dreams from slipping through your fingers. Understanding If you see your property as a better investment than your savings, it may be worth it to 3. Retirement account Tapping into retirement accounts, such as a 401(k) or IRA, can be a source of funds for your down payment for a second home. However, this age-sensitive strategy may not be advisable for those nearing retirement. If you’re not comfortable dipping into your savings or selling assets, you can still seek outside funding help.  4. Home equity loan or HELOC The value you've built in your current home can be a powerful resource when purchasing a second property. Leveraging your home equity gives you access to funds at generally favorable rates compared to many other financing options. A practical approach to securing funds for a second home down payment is utilizing the equity you've accumulated in your primary residence. This strategy involves either securing a Home equity loan With a home equity loan, you receive a one-time payment based on a portion of your home's value through a secondary mortgage. The key benefit is maintaining your original mortgage intact — particularly advantageous if you have a favorable interest rate.  Since these loans are second in line for repayment if financial difficulties arise, they typically carry higher interest rates than current mortgage rates for second home loans. Home Equity Line of Credit (HELOC) A HELOC functions as a secondary mortgage but operates more flexibly, similar to a revolving credit account. During the initial access period (generally five to 10 years), you can withdraw and replace funds repeatedly. You'll only pay interest on the amount currently borrowed.  After this period ends, the withdrawal option closes, and you begin repaying both principal and interest on whatever balance remains. Since HELOCs feature adjustable rates, your payments may fluctuate monthly based on market conditions. Cash-Out Refinance When choosing a 5. Government-backed loans While traditional government-backed loans are designed for primary residences, there are strategic ways to use these programs that can help you Government-backed loans such as VA or USDA offer low or no down payment options, typically for primary residences rather than second homes. However, by carefully planning your home purchases, you can transition from one primary residence to another while retaining your previous home as a second property.  6. Reverse mortgage A reverse mortgage allows homeowners aged 62 and older to convert part of their home equity into cash without having to sell their home or pay additional monthly bills. The loan is repaid when the borrower moves out, sells the home or passes away, making it a potential source for second home down payment for retirees. 7. Gift of equity funds When purchasing a second home from a family member, a gift of equity can be mutually beneficial. This approach involves the seller (often a parent or relative) transferring a portion of their equity in the property to you as a gift, effectively reducing the purchase price and minimum down payment for a second home. 8. Assumable mortgages An assumable mortgage allows you to take over the seller's existing loan instead of obtaining a new one. This can be particularly advantageous in a rising interest rate environment, as you may be able to secure a lower rate than what's currently available. This is an excellent option for those researching how to buy a second home with low down payment. 9. Seller financing Seller financing creates a direct financial arrangement between you and the property seller, bypassing traditional mortgage lenders. The seller essentially becomes your lender, allowing you to pay them directly according to mutually agreed terms. This option can be helpful when considering a loan for a second home with non-traditional terms. 10. Lease with an option to buy This arrangement allows you to rent a property while securing the right to purchase it in the future. During the lease period, a portion of your monthly rent may be credited toward the eventual down payment on a second home, helping you build equity while you live there. While sticking to one funding source may not be enough for your down payment — or put you into financial jeopardy — using a mix-and-match approach may improve your situation. Mitigating risk is still important even though real estate is considered a relatively safe investment. Look into each of these strategies further to learn which is best for you when Are second home down payments always required? In most cases, a down payment on a second home is required. If you plan to pursue a conventional loan for financing a second home, you’ll need to put money down upfront since they aren’t backed by the government. Even if you plan to pay for the home entirely in cash, you’re still technically putting down a large payment.  If you plan to turn your second home into a primary residence, then it’s possible to get a government-backed loan. In that case, you won’t need a down payment for a second home.  How much do I need for a down payment on a second home? The down payment for a first home can be as low as 0% and as high as 20% for a conventional loan. However, the required down payment for a second home is around The amount you’ll need for a down payment on a second home depends on several factors, including your credit score, your debt-to-income (DTI) ratio and the cost and type of property you’re purchasing. Down payments and interest rates for second homes can also vary depending on the lender, so it’s a good idea to shop around. Here is a closer look at how these factors can affect your down payment: Any tips on how I can reduce the down payment on my second home? One of the best ways to lower the out-of-pocket expense for a second home down payment is by reducing how much you’re paying for the home. But that doesn’t necessarily mean sacrificing square footage, quality or location.  Explore your options for second home ownership Finding the right financing strategy can help you achieve your dream of owning a second home, whether through a government-backed loan, a conventional mortgage, or co-ownership. If you’re looking for a modern, hassle-free way to own a second home, Pacaso makes it possible. Pacaso offers LLC co-ownership of luxury second homes, providing a streamlined and cost-effective alternative to traditional second homeownership. With professionally managed properties and a fully integrated ownership model, you can enjoy all the benefits of a second home without the hassle of maintenance. Want to learn more? Visit our

Not finding the right s Check out our list of alternatives to Airbnb before you book your next vacation: 1. Pacaso  Pacaso is also a great Co-ownership helps buyers afford 2. VRBO Like Airbnb, 3. Booking.com It is becoming a formidable Airbnb competitor in the vacation rental market, with offices in more than 70 countries and over 28 million listings, including hotel rooms. Booking.com charges a higher booking fee — 15% compared to Airbnb’s 3% — and renters will often pay these fees in the form of higher prices.  4. Hipcamp Hipcamp is like Airbnb for campers, offering a range of campsites that accommodate tents and RVs. This makes it one of the Since guests may travel to remote locations, Hipcamp has established standards to ensure safety and privacy. For example, hosts must limit campground occupancy and provide safety warnings for common dangers in the area.   Hipcamp’s search filters allow you to find the perfect spot for your desired activities. So if you want to hike, fish or ride horses, your hunt just got easier. The affordability and convenience make Hipcamp a great option for nature lovers.  5. Marriott Homes and Villas Managing expectations is one of the most challenging factors when staying at independent vacation homes. Hotel chains can deliver on cookie-cutter expectations but often lack the personal touch. The inventory is still growing — currently about 60,000 listings — but it has something most other alternatives to Airbnb don’t: a rewards program. Travelers can earn and redeem points for discounted stays in the future with a Marriott Bonvoy account. 6. Hopper Homes The streamlined app-only interface is convenient to use, with fewer distractions than many other platforms. Travelers can book their stay instantly rather than waiting for approval and receive flexible cancellation policies.  Hopper has its own rewards program in the works, Carrot Cash, to help customers save even more money while traveling. 7. Plum Guide Expect to pay more than the average vacation rental, but the price may be worth it if you value the luxury vacation experience. Plum Guide does offer price matching, just in case you see the same rental listed for less on another platform. 8. Agoda  You can receive a discount for being a solo traveler and find other discounts through a “secret deals” feature. Agoda’s website and app operate in 38 languages, with customer care in 16. While travel booking sites have moved into the rental property industry, Agoda performed a reverse migration. In 2019, the site launched a flight aggregator to compare hundreds of sites at once.    9. Homestayin When you travel, do you value cultural immersion above all else? It’s an affordable alternative to hotels while being a step up from the typical hostel. Homestayin is available for short- and long-term rentals, appealing to backpackers and students alike.   10. Sonder If you’re looking for a service like Airbnb that retains the comforts of a hotel, check out Every unit has a full kitchen, mini toiletries and Wi-Fi, making it great for long-term stays. The app allows for contactless check-ins along with requests for clean towels and restaurant recommendations.  11. Blueground If you’re living the digital nomad life, 12. Onefinestay All of the listings are whole units, so you won’t share the property with other travelers or the owner. The accommodations include houses, chalets and luxury villas, giving you the personal touch missing from hotels while delivering professional property management.  13. 9flats It works like an aggregator for other travel sites, so if you have issues with the interfaces of the other big names, 9flats might be more your style. It offers features like instant booking and advertises the maximum occupancy of every listing on the results page for quick scanning.  14. FlipKey While solo travelers can use FlipKey, it is ideal for groups. Finding a place big enough for a group can be challenging on other sites. FlipKey is facing the problem head-on.  15. Glamping Hub Like Airbnb, Glamping Hub is only a booking platform, so you’ll still depend on the property owner to deliver the rental as advertised. Glamping Hub allows you to filter through listings based on the type of building, cost and features, so you’ll have as rustic or luxurious an experience as you’d like.  16. ThirdHome To qualify, your second home must be worth at least $500,000, in a desirable location and well-maintained. This niche marketplace has 14,000 options, including entire estates and yachts. While you won’t pay a rental fee, Thirdhome does charge a booking fee that ranges between $495 and $1,395 per week.  17. Outdoorsy 18. Wimdu Users can choose from an array of filter options to search by distance to the city center (which is great for public transportation users), average ratings, amenities and price. They also have several pet-friendly listings and cater to families as well as solo travelers and couples.  19. Tripadvisor Vacation Rentals Tripadvisor taps into its deep reservoir of user-generated travel recommendations and reviews, so users get local recommendations on where to eat, the best excursions and more. 20. Expedia Vacation Rentals Reviews are also abundant here, helping travelers make an informed decision about what to do outside of the accommodation as well, allowing users to seamlessly combine their accommodation bookings with other travel essentials such as flights and car rentals.  21. Vacasa 22. HomeToGo Like Airbnb alternative 9flats, HomeToGo saves travelers time by allowing them to compare multiple sites in a single place rather than having to set search filters like budget and amenities on multiple sites to find answers. Once you find a rental that you like, you finish booking through the provider’s website.  23. Kid & Coe Since 2013, Regardless of the accommodation type, each hand-picked listing has a supply of books, toys and child travel essentials awaiting every family in 50 destinations around the world. Visitors can also request cribs and high chairs, ensuring a turnkey experience for every guest. When searching for a great vacation property,

What does "property ownership" entail? Property ownership goes beyond merely acquiring real estate and registering it under one's name. It encompasses various forms and structures, each with its unique practical, financial and legal implications. Depending on the chosen type of ownership, individuals may encounter different estate planning challenges and tax liabilities. It's essential to understand these nuances, as they can significantly impact future events, including inheritance or tax assessments. Keep in mind that these are just suggestions, and your situation might call for something else. If you’re unsure which property type will work best, explore your options with a real estate attorney. 1. Sole ownership Type of owner: individuals As the name implies, sole ownership is when an individual is the only property owner. Since they are the only owner, they don’t require anyone’s consent to sell, lease or transfer the property to another person. Property owned by a sole owner is sent into probate when the owner dies until the will is validated. 2. Joint tenancy with rights of survivorship (JTWROS) Type of owner: married couples The most common form of property ownership for married couples is 3. Tenants by the entirety (TBE) Type of owner: married couples Married couples may instead opt to own property as tenants by the entirety, which is the same as JTWROS, except an owner can do nothing with their ownership portion without consent from their spouse, since the couple is legally considered one entity. Divorce will automatically change the ownership agreement to tenants in common. 4. Community property Type of owner: married couples Only 10 U.S. states are community property states. This real estate ownership type classifies any property obtained by a spouse during marriage as “community property” — that is, owned by both spouses, even if the property is only listed in the name of one spouse. This includes all real estate purchases made during the marriage.  The states that recognize community property include Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington and Wisconsin. In Alaska, residents can opt in to a community property agreement. The same community property laws apply to registered domestic partnerships in California, Nevada and Washington. 5. Owning trust Type of owner: minor children or adult with disabilities An owning trust entrusts the care and management of a property to a trustee acting on behalf of someone else, usually a child or an adult with special needs. A living trust is established while the original owner (also called a trustor or grantor) is still alive. The trustor names the beneficiary as the owner of the property, but until the trustor’s death, they also serve as the trustee. The property remains in the beneficiary’s name, but a new trustee is selected (usually named by the trust) to keep the property out of probate. 6. Tenancy in common (TIC) Type of owner: unrelated multiple owners of a single property When owning property as a Each tenant is allowed to sell, will or otherwise transfer their ownership share without the permission of the other owners since they lack survivorship rights. When a tenant dies, their ownership passes into probate before being transferred to any named heirs. 7. Owning partnership/LLC or co-ownership Type of owner: unrelated multiple owners of a single property Properties can be organized into a Owners can create the LLC by What’s right for you? Different types of ownership in real estate can offer different benefits to owners. If you’re still not sure which type of real estate ownership is right for you and your situation, it’s a good idea to consult a legal professional.  How to become a co-owner of a second home Pacaso makes it possible for individuals to become co-owners of a In Pacaso’s ownership model, an LLC ensures true property ownership for each member. Unlike a timeshare when you only pay for time to use a property, Pacaso ensures you enjoy the many benefits of second home ownership

Many people dream of owning a second home, but the thought of an extra set of taxes, utility bills and maintenance responsibilities snuffs out any hope of making that dream a reality. But what if you could share the financial load (and workload) of home ownership with someone else? Read on to learn more about what joint tenancy is and how it can protect your rights as a homeowner.  What is joint tenancy?  Joint tenancies involve rights of survivorship. This means the ownership of the property passes straight to the surviving tenants upon the death of a deceased owner without going through the probate or court systems. This is important for co-owners because it ensures the property automatically stays with the remaining owners, providing legal protections and clarity in the transfer of ownership. Joint tenancy falls under the umbrella of joint ownership — when more than one person owns a share in a piece of real estate. In a The three main types of joint ownership are joint tenancy, How does joint tenancy work? Any two people can form a joint tenancy; they don’t need to be married (though this is  common). With joint tenancy, co-tenants have equal interest in property ownership, and each co-tenant has full access to the property. Tenants may occupy the property together or separately.  What are the rights of survivorship?  Rights of survivorship are a key feature of a joint tenancy agreement, ensuring a seamless transfer of ownership when one co-owner passes away. This means that if What are ownership rights?  Property ownership defines what you can legally do with your home, from living in it and making improvements to selling or transferring it. In a joint tenancy, all co-owners share equal rights to use the entire property, as well as equal responsibility for its upkeep and financial obligations. This structure is common among relatives or married couples who want a clear path for transferring ownership to the surviving co-owner. Rules for creating a joint tenancy Creating a joint tenancy requires following specific legal rules to ensure all co-owners have equal rights and that the property passes smoothly to surviving owners. While the rules are generally consistent, some details can vary by state, so be sure to check local laws or work with legal counsel. These rules include:  Following these rules makes co-owning a home smoother and helps prevent disputes while preserving the benefits of joint tenancy with right of survivorship.  Severing a joint tenancy  Sometimes, co-owners may need to sever a joint tenancy arrangement. This can happen if relationships change, one owner wants to sell their share or you’re transitioning from joint tenants to a tenancy in common to allow unequal ownership shares.  Severing the agreement gives each owner more flexibility and control over their portion of the property. Here’s an overview of how to do it:  Understanding tenants in common vs. joint tenants is key when severing a joint tenancy agreement. This flexibility can also help if you’re planning future purchases, such as learning Benefits of joint tenancy Unlike a This includes but is not limited to earned equity in the home, the right to sell (as long as it’s in keeping with the joint tenancy agreement) and free use of the property according to your share.  Affordability The cost of a home doesn’t end with the purchase price. Insurance, taxes, maintenance, utilities and HOA fees stack up, and having one or more joint owners to share costs can significantly lighten your financial load.  Plus, rather than shouldering the full cost of a home, joint tenancy of property lets you cut that cost in half — or even more. This can greatly increase your buying power and help you get more home for less money.  Protection Joint tenancy lets you share the less-than-fun tasks of home ownership and maintenance with Plus, if the property is occupied regularly, it prevents maintenance issues that arise from neglect. Someone is more likely to be around to notice when there’s a leak or a crack, or a fallen branch that needs attention. Easier legal process Surviving co-tenants don’t have to deal with probate, the drawn-out legal procedure the court system utilizes to validate wills due to the right of survivorship. Regardless of whether the decedent made a will, the surviving co-tenant(s) have instant access to their part of the property without having to go through probate.  Convenience Joint tenancy can also offer a consistent vacation experience. Rather than scrambling to find open dates in a rental with good reviews or stuffing yourself and your luggage into a questionable hotel room, joint tenancy in a second home gives you the freedom for last-minute trips and packing light.  Cons of joint tenancy The strict regulations of joint tenancy can protect you if a co-tenant tries to profit from your investment, but those same conditions may make it difficult for you as well. Co-tenant relationship challenges Difficulties may develop if the relationship between co-tenants alters. Co-tenants must agree on decisions regarding the property, and this can be increasingly difficult if disputes arise. Without the expressed consent of all co-tenants, nobody can sell their portion or the entirety of the property. For example, if a married couple shares joint tenancy of a property and decides to divorce, they will still be held accountable for paying all debt until the person who receives the full stake of the property refinances.  Increased responsibility  If a co-tenant falls under financial hardship or loses employment, the other tenants must agree to continue keeping up with mortgage payments to avoid the property going into default.  Joint tenancy vs. tenancy in common Joint tenancy and tenancy in common both involve property ownership and provide similar The most significant difference between joint tenancy and tenancy in common is that joint tenancy provides equal shares for all parties, whereas tenancy in common has unequal shares and various interests. Is joint tenancy right for you? Whether joint tenancy is right for you depends on your goals, relationships with co-owners and how you plan to use the home. For second homes or vacation properties, it’s important to weigh both the benefits and potential limitations before committing.  Understanding your options can help you make the most of your purchase, whether you’re looking to A better alternative to joint tenancy While joint tenancy can offer simplicity and automatic transfer of ownership, it comes with limitations that can complicate changes in co-ownership. For second home buyers, especially those looking to co-own a vacation property with friends or family, a more flexible approach can make ownership easier and more enjoyable. Pacaso provides a flexible alternative through LLC co-ownership that allows for unequal shares, easier transfers and simpler management so you can enjoy your second home on your terms.  Interested in a more hassle-free way of owning a second home? View Pacaso

Forget everything you thought you knew about vacation property. A quiet revolution is reshaping how we own a piece of paradise, challenging the long-held reign of the While fractional ownership and timeshares promise regular getaways to your dream destination, vacationers want something more. One model offers genuine Is fractional ownership the same as a timeshare? Fractional ownership is not the same as a timeshare because it means you actually own a piece of the property, giving you an equity stake that can change in value. You also get more usage time, often weeks or months, in typically higher-end properties like luxury homes. Timeshares, on the other hand, are just a right to use a property for a short period (usually a week) with no actual ownership or equity gained.  What is a timeshare? The What is fractional home ownership?  While timeshares might restrict property access to just a few weeks annually, fractional property ownership often grants owners access for multiple weeks a year, contingent on the number of joint owners. Because these units have fewer owners than timeshares, fractional owners often have more of a say in decisions regarding property maintenance and upkeep. Many fractional properties also offer on-site storage for owners. Timeshare vs. fractional ownership: 8 differences Unlike short-term rentals, both timeshares and fractional ownership properties allow you to own part of your vacation experience. Although they share this similarity, these ownership models differ in seven key ways. 1. Number of owners The number of owners is an important factor to consider, since fractional owners may have to communicate and share decision-making responsibilities. Here is what to expect with both vacation ownership models: 2. Scheduling availability As a co-owner, you’ll need to be cognizant of when the shared home is available to book. The number of days or weeks the home will be available largely depends on how many owners there are. Here is what potential scheduling availability could look like for both options: When thinking about it in real-life terms: 3. Equity benefits A Here’s how this shakes out in real life: 4. Management Vacation homeowners can choose to share property management, hire a Here’s what management looks like for both:  5. Maintenance  Similar to management, Here’s what you can actually expect in these situations:  6. Building  One of the biggest differences between fractional ownership of a vacation home and timeshares is the type of structure you’ll be staying in. Here is what to expect: To think about this in the real world:  7. Cost Fractional ownership costs a lot more upfront because you're actually buying a share of a high-end property. Timeshares are cheaper to start, but you only get the right to use the property for a short time. Also, you'll pay ongoing fees that determine how much the average timeshare is per month, often between $140 and $500.  A real-life example looks like this: 8. Resale value  The resale process can look different for both ownership models. Here is what to expect when you’re ready to sell your vacation property: When thinking about this in real life: Other popular vacation options Timeshares and fractional ownership models aren’t the only ways to enjoy a vacation property. Let’s take a look at other popular vacation options like private residence clubs and destination clubs. Private residence club Private residence clubs are similar to fractional properties in that both offer Entry-level prices start at around $165,000 at the lower end of the market, and can easily exceed $800,000 for a private club in a Destination club A destination club grants members proprietary access to its services, which means high-end vacation homes on a non-equity basis in various locations around the world. Members eschew a traditional mortgage payment in favor of membership tiers that offer personalized services and amenities. Inventory is based on availability and can sell out quickly during peak times in popular areas. The Pacaso difference Pacaso’s professionally managed When it comes to fractional ownership vs. timeshare vacation home options, there are pros and cons to both models.  Owning a timeshare comes at a lower price, but you only own the block of time that you’re able to vacation there and will not benefit from equity. Private residence clubs and destination clubs are also worthy contenders for people who aren’t interested in a But if owning a portion of a real estate asset is what you’re looking for, then fractional ownership may be for you. With a

Shared ownership of real estate isn’t a new concept. In some cases, second home co-ownership happens through inheritance, when beneficiaries agree to share a family vacation home. Other times, it’s intentional — friends or relatives may pool their resources to purchase a second home as a more affordable alternative to buying one outright. In either case, owning a second home thorough DIY co-ownership often comes with hidden real estate challenges. Families change, friendships wane, people move, and priorities shift — all of which can add stress to home management and decision-making. Disagreements over schedules, costs, or even decor can escalate over time, straining both finances and relationships. Before you buy together, it’s important to understand what can go wrong. Many DIY co-owners make the mistake of putting multiple names directly on the property deed. While this can seem like the simplest way to share ownership, it can actually create personal liability. If a dispute arises or one co-owner defaults on payments, everyone’s personal assets may be at risk. Creating a clear LLC co-ownership operating agreement can help separate ownership from individuals, but creating and managing that structure correctly takes time, legal coordination, and ongoing oversight — responsibilities that can easily become burdensome for casual co-owners. Most informal co-ownership arrangements begin with good intentions but lack a formal operating agreement. Without one, there’s no clear roadmap for decision-making or conflict resolution. Co-owners may disagree about home management, maintenance costs, decor choices, or guest use, and those gray areas can quickly strain relationships. An operating agreement for second home co-ownership should spell out everything from who pays for what, to how the home can be used, to what happens if someone wants to sell their share. Without these guidelines, misunderstandings and tension are almost inevitable, especially when personal relationships overlap with shared financial commitments. Even the best relationships evolve over time. Divorce, job changes, or relocations can leave one co-owner wanting out. Without formal exit procedures, selling or transferring a share can become complicated and lead to other real estate challenges. When you enter a second home co-ownership agreement, you’re likely choosing people you trust and feel aligned with financially. But circumstances change. A once-stable co-owner may face unexpected challenges or simply lose interest in maintaining a shared property. Without a structured plan for how to handle those changes, an informal arrangement can quickly become a financial or legal headache. Sometimes second home co-ownership isn’t planned at all — it happens through inheritance. When multiple family members inherit a property together and take no formal action, they typically end up in an ownership structure called a tenancy in common. This means each heir has equal rights to use the property, regardless of their financial contribution. Without clear agreements in place, disputes can arise over who gets to stay when, how expenses are shared, or what happens if one person wants to sell. These disagreements can strain family relationships and, in some cases, lead to costly legal proceedings. Owning a second home with others might seem simple at first, but home management can quickly become a full-time job. DIY co-ownership means coordinating everything yourself — from cleaning and repairs to bills, vendors, and scheduling. When multiple owners are involved, even routine decisions can become complicated. Without a neutral party overseeing operations, disagreements may arise about which vendors to hire, how to split expenses, or who’s responsible when something goes wrong. Over time, these small frustrations can snowball into major conflicts, turning what was meant to be a relaxing getaway into a source of stress. Forming an LLC co-ownership structure on your own can help reduce some of the legal, financial, and emotional risks of second home co-ownership, but managing it yourself still takes time, coordination, and expertise. From finding trustworthy co-owners to setting up the LLC and handling ongoing home management, DIY arrangements can quickly become overwhelming. That’s where Pacaso comes in. We bring together qualified buyers, handle every aspect of the sale and LLC formation, and professionally manage the home so you don’t have to. Owners enjoy equitable scheduling, transparent finances, and a seamless experience backed by Pacaso’s expert team. With Pacaso, you focus on what truly matters — browsing picture-perfect listings, choosing a home you love, and enjoying every stay. We make second home co-ownership simple, secure, and turnkey.

Dreaming of expanding your real estate portfolio by adding a We crunch the numbers to estimate how much home you can afford and how much cash you’ll need, calculate the down payment and share helpful tips to explain what a down payment is and help you discover your ideal down payment. How to use the down payment calculator To use our house down payment calculator, you’ll need to pull together some financial data, enter it into the calculator and review your results. Here’s how to use the down payment calculator. Step 1: Gather home data  Assemble the financial information relevant to the home you want to purchase. Here’s what you need: Step 2: Enter your data into the calculator Next, you’ll enter your data into the house payment calculator. Double-check that you’ve inserted your information correctly since these inputs will affect your results. When you are ready to review your results, click “Calculate.” Step 3: Review your results Once the calculations are complete, it’s time to see how much down payment you can afford for this home price. Now that you know how to calculate down payment estimations with our calculator, let’s explore the manual way to calculate down payments. How do I estimate a down payment manually? Here’s a step-by-step walkthrough of using a down payment estimator to help you determine if you can You can use this process to calculate how much a down payment is on a house. How much should I put down on a house? You’ve likely heard that a standard down payment is 20% of the total home price, but that isn’t always the case. While a 20% down payment allows you to avoid paying Private Mortgage Insurance (PMI), there are other options available depending on the type of loan you select.  While a smaller down payment can help you get into a new house faster, you’re likely to have higher monthly payments and accrue more interest over time. Putting more money down up front can reduce your total loan balance and interest, more quickly eliminate (or avoid) PMI and start building equity. A mortgage down payment calculator can help you find the best option for your situation. What to look at when calculating a second home down payment When A down payment calculator can help you quickly understand if your ideal home is within reach or if you need to make financial adjustments to prepare for your next home purchase. Make financing a second home attainable If you want to Plus, Pacaso handles the details so you can focus on enjoying your home.  Scheduling is easy and equitable, and each Pacaso home is taken care of by a dedicated property manager, giving you a hassle-free and turnkey experience throughout the year.

Seeking a luxury second home in 2025? You’re not alone. From ski-in/ski-out mountain retreats to breezy coastal escapes, Pacaso owners are choosing co-ownership in some of the most desirable locations in the country. We’ve rounded up the most talked about Pacaso homes of 2025 so far, including sun-soaked coastal escapes and  year-round mountain getaways. Combining luxury, location, and lifestyle, these exceptional homes offer turnkey design and professional management for a smarter way to own a second home. 10. This newly renovated end-unit townhome offers year-round luxury with stunning forest views, updated finishes, and easy access to world-class skiing, golf, and mountain village charm. 9. Perched in Napa Valley’s coveted Coombsville region, this modern estate offers sweeping views, seamless indoor/outdoor living, and the perfect setting for memorable gatherings. 8. A striking example of desert modernism, this retreat offers seamless indoor-outdoor living, bold architecture, and stunning mountain views — all in a private, design-forward setting. 7. Located on Lake Tahoe’s west shore, this warm and welcoming retreat offers panoramic lake and mountain views, and the perfect homebase for year-round adventure and easy entertaining. 6. In the heart of Old Town, Timberline blends historic charm with high-end modern living, complete with mountain views, walkable access to dining and skiing, and a rooftop deck made for après-ski or summertime gatherings. 5. Set in the exclusive South Palm Desert hills with panoramic mountain views, a resort-style backyard, and seamless indoor-outdoor living this home is just minutes from El Paseo, top golf clubs, and endless desert adventure. 4. Nestled among towering pines near Lake Tahoe, Wood Creek is a fully remodeled mountain retreat with expansive living spaces, a wraparound deck for entertaining, and easy access to Incline Village’s year-round activities. 3. Located in the exclusive gated community of Punta Ballena, this stylish Cabo retreat offers ocean views, private beach club access, and effortless indoor-outdoor living with a pool, spa, and spacious entertaining terraces. 2. This retreat blends indoor-outdoor living with refined style for poolside afternoons, dining under the stars, and plenty of room to host the people who matter most. 1. Enjoy your private Palm Springs resort with five fully equipped casitas surrounding a saltwater pool and chef’s cabana, made for time with friends while still enjoying space of your own.

Before a Pacaso owner ever steps inside their new home, our team has already spent hours perfecting every detail — rearranging layouts, curating furniture, and fine-tuning the in-home experience. The goal is to create spaces that pair beauty with comfort, so they’re a joy to both look at and experience. Every design element is chosen with purpose, drawing inspiration from the culture, climate, and lifestyle of the destination. The result is intuitive comfort, spaces that feel instantly familiar, where owners can take a deep breath and feel at home from the very first moment. This is the essence of our Nestled in the mountain community of Snowmass, this end-unit luxury townhome offers unobstructed mountain views and coveted ski-in/ski-out access. But what truly sets it apart is the intention behind every design choice. We asked the Pacaso team members who brought Alpine Ridge to life to share their favorite details:   Every Pacaso home is part of our Behind the scenes, our team works through a detailed process, from architectural walk-throughs to virtual design boards, to ensure every space is not only aesthetically stunning, but highly functional.  Because your second home should support the The beauty of owning a Pacaso isn’t just the destination, it’s the instant sense of belonging. At Alpine Ridge, you’ll arrive to fresh linens, a fully stocked kitchen, plush seating, and spaces designed for everyone to unwind. It’s not just a second home. It’s a second home where every detail is already taken care of so all that’s left for you to do is enjoy.

Memorial Day weekend marks the unofficial start of summer and is a chance to bring friends and family together, and most importantly, and most importantly, make time for reflection and remembrance. Here’s how to throw a celebration that feels easy, looks polished and keeps the spirit of the day intact. Whether it’s a classic backyard BBQ or a coastal-chic pool party, pick a theme that will anchor your celebration. It doesn’t have to be over-the-top, but subtle touches like red, white and blue linens or nautical accents go a long way. Even little nods to Americana like striped napkins or vintage Coke bottles can elevate the scene without being kitschy. If you’re cooking, keep it simple and seasonal, but never boring. Gourmet burgers with brioche buns or slow roasted meats with an assortment of sides. Always include plenty of fresh salads and fruit to keep things cool and be sure to have a few gluten-free, vegetarian and kid-friendly options so everyone leaves happy (and full). Add in a DIY ice cream sundae bar for a sweet finish that everyone will love. Not a fan of manning the grill? No shame in outsourcing. Just be sure your caterer matches the vibe. Your favorite sushi place may not scream “holiday weekend,” but a smoked brisket platter with artisanal fixings? That’s a win. Activities are optional but appreciated, especially if you’re hosting a mix of ages. Set up lawn games like cornhole or bocce or even an arts and crafts table for kids. Organize a casual pool volleyball match or hilarious float race. Set the tone with a curated playlist, or even screen a classic American movie under the stars. No one wants to be frantically chopping herbs or hiding delivery boxes when guests start arriving. Prep what you can in the days leading up to your party, like the tablescape, playlist, guest towels, and make a checklist to stay on track. Even in sunny locales, May can throw curveballs like May Gray in SoCal or unexpected showers in the Hamptons. Make sure you’ve got an indoor space ready or a stylish tent setup that doesn’t feel like an afterthought. Have extra throws or pashminas on hand for your guests on cooler evenings. Thoughtful gestures make a big difference. It’s easy to get swept up in the rosé and ribs, but don’t forget the real reason we gather. Bring out an American flag and keep it at half-staff until noon and consider observing a moment of silence to remember the men and women who gave their lives in service. You could even include a small table with a framed photo or tribute for a meaningful touch. You don’t need fireworks or fanfare to host a beautiful Memorial Day get together. Just good food, great company and a touch of thoughtful planning.

At Pacaso, we believe that a home is more than four walls, but where your best memories are made, and special moments unfold. Our curated selection of vacation homes is designed to be the backdrop for everything from family memories to romantic escapes, steamy getaways and unforgettable celebrations. From cozy nights by the fire to sunrises over scenic views, champagne toasts to game nights, these spaces offer the perfect setting to honor the many forms love can take. After all, home is where the heart is, and we’ve got the perfect one waiting for you. Homes for gathering

A second home is a place to enjoy a break from your everyday routine. Comfortable furnishings, standout amenities and beautiful surroundings are key parts of this experience. Transforming a home into a relaxing Pacaso takes a lot of hard work and dedication by our talented team. How do we do a home makeover? The work begins before the owner sets food inside their home — during a process we call onboarding. Where the magic happens Onboarding a home means getting a home completely stay-ready for its owners. The process involves multiple members of our Crew, from the design team mocking up designs and procuring the right decor to the home operations team placing furnishings, amenities and supplies where they need to be.  Making a home Pacaso-worthy is their singular objective. Pacaso-worthy means a second home that is modern and comfortable — a  place where owners don’t feel the need to add anything to feel at home. We accomplish this both through our The transformation Once all the finishing touches are in place, we want every owner to feel like they belong. When owners walk into their second home, we want it to take their breath away. They should feel relaxed, comfortable and instantly at ease, knowing all they have to do is show up and enjoy their Pacaso. See how a Palm Springs second home was transformed into a wow-worthy Pacaso in this video. Find your own beautifully designed second home and experience the Pacaso lifestyle for yourself. See our

A Luxury home office ideas 1. Great lighting A thoughtful lighting scheme can make all the difference in how you feel in your office space, how much you’re able to get done and how you look on your video calls! Say goodbye to the terrible fluorescent lighting of the office and experiment with a combination of ambient and task lighting until you find the right blend for your needs. Natural light is also great for home offices. Just be sure to position your desk so you get all the benefits of sunlight coming through the windows without the harsh glare on your computer screen or too much back light for video calls.  2. Quality furnishings  A home office presents the perfect opportunity to ditch standard-issue office furniture and invest in quality pieces that are both beautiful and functional. Why spend your day in a clunky rolling office chair when you could instead take your calls from a stylish, supportive leather armchair? Surround yourself with upscale furnishings like a statement desk, a distinctive lamp and built-in bookcases. Stylish office furniture is available in a wide range of design styles, whether you like a more traditional look, contemporary design touches, a sleek modern desk or something entirely unique. Since the space is just for you, it’s the perfect place to show off your unique design aesthetic. 3. A distraction-free setup One key to home office success is making sure your space is purpose-built for productivity. Space allowing, resist the temptation to make your home office do double-duty as a guest room, a media room or a storage closet. Having a Another easy but effective way to defeat household distractions? A door. It sounds simple, but having a separate, closed-off area for work helps others in your household know when you’re busy and shouldn’t be distracted. A door also helps you mentally “close up shop” at the end of the day — simply turn off the light, shut the door, retreat to your living space and leave work behind until tomorrow. 4. Luxury touches  You spend a lot of time in your home office, so it should be aesthetically pleasing. Thoughtfully selected accessories like framed photos, artwork and tasteful memorabilia can give your office space a warm, personal feel that’s unique to you. A few 5. Serious storage When you are hopping between calls or spending the day heads-down on an important project, it’s easy for your workspace to get messy. From notepads and pens to charging cords to printers, there are a lot of must-haves in a home office, and everything needs a place. Further complicating the issue is the fact that, if your home office isn’t a repurposed bedroom, you may not have a full closet or dedicated storage space at your disposal. Invest a bit of time and money into some organizational solutions. Think floating shelves, a filing cabinet, desktop organizers or a series of baskets — whatever you need to have a clear desk…and a clear mind. 6. All the tech For a home office to be truly functional, you need all the technology solutions you rely on in a traditional office setting. For most people, this means a computer monitor that gives you more working space than your compact laptop screen, reliable data storage, a printer and scanner and a strong router (along with super-fast WiFi, of course). You may want to up the ante by adding some creature comforts, like a coffee maker, a mini-refrigerator for snacks and an air purifier or humidifier. 7. A stylish background For many work-from-home professionals, Zoom calls have replaced in-person meetings. And if you’re the “camera on” type — or if you are required to be — it’s nice to have a professional-looking backdrop. Think through where you can place your desk to give you the best setting, then decorate with a carefully curated bookshelf, artwork, houseplants or some combination.  8. A great conversation piece  Whether you meet clients in your home office or your office is your private sanctuary, every home office benefits from an inspiring focal point. This could be a stunning art piece, a stately fireplace, a gorgeous accent wall, a piece of antique furniture, or a floor-to-ceiling window. Whatever you choose, it should inspire you and spark conversation. A word on workcations While there’s no substitute for a work-free vacation, many professionals are taking advantage of the ability to work from anywhere by planning workcations (or working vacations). The best scenario for a workcation is having a job where you can work remotely and a destination with reliable internet and a distraction-free home office. Another option is a hybrid workcation/vacation. In this scenario, you might take a two-week trip to really immerse yourself in a destination with one week spent unplugged from work followed by one week of workcation before you head home. This arrangement gives you ample time to explore, without sacrificing all of your vacation time. Best of all, you still have evenings and weekends to take full advantage of the lake, city, Work from anywhere in your Pacaso  While you can surely work from a hotel room or vacation rental, doing your job from your dream second home is a best-case scenario. You’ll have all the creature comforts from home (a fully furnished, professionally designed and decorated home) but in a crave-worthy vacation destination. We’ve even curated a collection of As the co-owner of a Pacaso second home, you’ll have ample opportunity to enjoy your retreat throughout the year. Our app makes scheduling fast, easy and equitable, and when availability allows, you can book a stay with as few as two days’ notice. 

Go from “someday” to “today” — co-ownership can help you stretch your second home budget. See what’s possible with these five incredible Pacaso properties, each available for less than $700,000. West Shore —  $558,000 for ⅛ ownership A light-filled home with an expansive deck, Sparkling Creek —  $547,000 for ⅛ ownership Desert Haven —  $600,000 for ⅛ ownership Discover expansive, open-concept living and chic contemporary architecture at Las Flores —  $619,000 for ⅛ ownership Wake up to Pacific Ocean views and the sounds of crashing waves. Wood Creek — $663,000 for ⅛ ownership For summer fun on the lake or winter days on the slopes,

Stop dreaming and grab your piece of paradise. These four tropical second homes offer luxury living in sunny destinations. Don’t forget your sunglasses! Stunning South Maui  Located on iconic Wailea Beach, Pacaso listing: Baja bliss  Spend sunny days exploring everything the Los Cabos area has to offer, from watersports and golf to shopping and dining. Then, come back to Pacaso listing: Balboa Island charms  With a unique combination of French-inspired design and an enviable location on Newport Beach’s exclusive Balboa Island, Pacaso listing: Cruisin’ in Santa Cruz  Embrace Santa Cruz’s laid-back surf vibe at Pacaso listing: Sonoran sunsets  A gated mountaintop retreat, Pacaso listing:

Will and Julia live in the Bay Area, just south of San Francisco in the communities of Redwood City and Menlo Park, respectively. They each have two teenage children, and they enjoy spending time with their combined family in the quieter, more verdant Napa Valley.  “We both have a love of Napa, and we were going up there five or six times a year,” said Will. Over time, we started talking about getting a place there — we were spending a fortune on hotels.”  Even though hotels weren’t cheap, a second home in the Working through the details Julia had some initial concerns and questions about the Will said that Pacaso’s level of service was an important factor in their purchase, giving him and Julia the confidence to move forward. “From the start to today, working with Pacaso at all levels, everyone has been fantastic. If there’s been an issue, they’ve consistently worked through it and found equitable solutions.”  The joy of shared home ownership From their first stay, Will and Julia knew they’d made the right decision. “It was a ‘pinch me’ moment,” said Julia. “I remember thinking, ‘Is this real? Did we really do this?’ And then I said, ‘We’re home!’” Since trading up hotel stays for time at their Pacaso, they can attest to the difference that ownership brings. “Having a piece of something, somewhere, that you can come to and call your own is a wonderful feeling. It’s easy to fall in love with the home and the community,” said Will. And, unlike a hotel, it’s a special gathering place for their loved ones, said Julia. “Being able to come together and make memories with family and friends is one of my favorite parts of owning our Pacaso.” Plus, said Julia, it’s always ready for them when they arrive. “It’s such a benefit being able to come in and have our home be clean and set up with everything we need, and then not having to worry about doing a bunch of cleaning before we leave.” Life at their Pacaso Whether they’re spending time at their second home with family, friends or just each other, the experience is one of ease, pleasure and joy. “We live differently when we’re there,” said Will. “We’ll walk downtown to get croissants, then come back and open up the doors to the backyard and the sun will be streaming in — it’s something else.” Julia added, “Whenever we arrive, Will always says, ‘I can feel my blood pressure drop.’ It’s such a good feeling.”  They like to walk around the neighborhood, strolling through the forest to enjoy the magnificent redwoods, or walking downtown to have dinner or pick up groceries. “The neighborhood is really friendly. Everyone says hello and good morning — it’s a nice, small-town feel.” And if they’re not up for a walk? “Sometimes we just stay at the pool all weekend to relax and rejuvenate,” said Julia. It was during one of those poolside moments that Will realized how fortunate he and Julia were to have this experience of owning a second home: “I brought a lawn chair down to the pool, put the umbrella up, and was reading an Agatha Christie book, drink in hand — it was beautifully sunny, and Julia was next to me, and I was thinking to myself, ‘If this ain’t why we’re living, I don’t know what is.’ It was just a wonderful moment.” Find your second home in California wine country Ready to enrich your life with a second home in Napa Valley? Explore

Before becoming Pacaso owners, frequent travelers Byron and Elizabeth hadn't thought much about buying a second home — at the time, they didn't own their primary residence, and they enjoyed seeing new places. While they liked exploring different towns along the Northern California coast, it took planning. "We were spending a lot of time and energy finding places to stay," said Elizabeth.  They had several friends in St. Helena, a Napa Valley town within an easy drive of their Bay Area home, and they visited the area fairly often. They had toyed with the idea of buying property there, but it didn't seem like a realistic option. "It's really hard to find properties in St. Helena, and a full-time second home wasn't in the cards," said Byron. But then an interesting opportunity presented itself: Some friends of theirs, Jay and Michael, had decided to "sell down" part of their St. Helena home to Pacaso. The home, known as the Poolhouse, was Pacaso's first property, and Byron and Elizabeth had fond memories of the times they'd spent there in the past.  Seizing the opportunity  Being able to buy a share of the Poolhouse seemed like a stroke of good fortune. "Owning a whole second home was a barrier financially, and it didn't make sense for us when we considered the maintenance and upkeep for a place where we wouldn't spend that much time," said Byron.  Co-ownership with Pacaso seemed like an ideal option — they already knew and loved the home and the area, they wouldn't have to worry about any maintenance headaches, and the ability to right-size their ownership provided the flexibility they craved. "We like to travel a lot and didn't want to have to spend all of our vacation time at a second home."  Most importantly, it was financially attainable, with the help of Pacaso's financing option. "Financing made it possible and kept costs down to a reasonable amount. It balanced out to about what we pay for the average weekend a month we spend on a short family trip, or less than what we would spend on a vacation rental." Still, it was a new model, and they needed to feel assured that it worked for their needs. " "Once we understood the transaction and how everything worked, we felt comfortable and it was really a no-brainer at that point,"said Byron. Time in their Napa home Having young children — 3-year-old twins — hasn't dampened Byron and Elizabeth's interest in travel, but it has changed their perspective on second home ownership. "We really like the feeling of ownership over a vacation rental because we get to spend time in a place where we can make memories together. The kids look forward to coming here, and they understand that it's our Napa house and they get to play in the pool and see friends who live up here," said Elizabeth.  And that sense of connection and consistency is unique to ownership, said Elizabeth. "We feel like we're part of the community even though we're part time. You don't get that familiarity and memories at a rental or a hotel. You have a nice time, but there's nothing sentimental or special."  Sometimes those memories are part of the flow of daily life, like meeting up with local friends to watch their son's Little League game at Crane Park. Other times they are moments to cherish, like celebrating the twins' birthday at their Pacaso with both sets of grandparents who they hadn't been able to see in over a year.  And best of all, creating memories doesn't come with any added stress. "Owning our Pacaso is effortless," said Elizabeth. "We don't have to do any extra planning or work, and we know the house will be the same as when we left it. It's turnkey ownership, and we just show up and enjoy ourselves — we don't have to worry about the details."

Pacaso is more than just a place to stay — it's a gathering place where your extended family can create memories made possible only in a vacation home. This is true for Derick and Karen Ball, who found Pacaso's luxury amenities, dedicated property management and exceptional financing to be the perfect fit for their needs. "The memories that we make here, with family and friends — these are experiences that you can’t buy and you can’t get at a hotel,” said Derick. "It’s quantity time, but also the quality time within it." Watch below to learn more about the Ball family and how they create extended family moments in their Pacaso home. Pacaso makes a second home possible and enjoyable for more people.

Chris and Julie previously owned a second home in South Lake Tahoe, using it for family vacations and as a rental. “We love the idea of having a home, but we didn’t need it full time. The workload that went into renting it out — there was a lot,” Chris said. “We did great with it, but it was a lot of work.” They sold the property in 2020 and started looking for a more manageable home on the north end of Lake Tahoe. During their search, they came across Pacaso’s co-ownership program. Chris and Julie were won over by Pacaso’s price, flexibility and amenities, and the true ownership experience stood out. New, comfortable and impressive The couple loved the idea of owning new construction at a price within their budget. “We figured, the new home aspect would be less wear and tear in the long term,” Julie shared. In addition, since Julie and Chris consider themselves as more “summer people,” a new home in a different area of Tahoe would provide more options for enjoyment.  But it’s not just the newness of the property — the couple is amazed by the home’s design and feel. “I think the most difficult part is having to come home to our main home,” said Julie, who’s a fan of interior design. “I love this house, and it is amazing. I think the design team did a phenomenal job.” As owners who had rented out their second home, the couple also appreciates how Pacaso takes care of the maintenance and adds special touches to make them feel at home. “The hot tub, furnishings, outdoor furniture and fire pits are all comfortable. You have everything you need that you can think of, and that makes me feel really good,” said Chris. “We’re going to impress our family and friends whenever we go there. And we’re always going to have a comfortable stay because of that.” Julie added, “It’s really nice just to be able to walk in and not have to do anything.” Julie and Chris aren’t the only ones who are impressed. On a recent stay, the couple’s daughter and dog didn’t want to leave. “That was a really good sign the Pacaso team did well,” Chris said. The perks of true ownership Simplicity and comfort aside, a massive benefit for Chris and Julie was having true ownership in their second home. “There’s a sense of pride when you own a piece of a home. One thing that resonated with me during our last experience was that we did build a lot of traditions,” Julie said. “And it felt nice to have the same place to go to and make it your own. And it is your own.” This feeling of ownership makes their new Pacaso different from other offerings on the market. “I think there’s a lot of misconception out there with it being a timeshare,” said Julie. “It’s not a timeshare — we’re owning a home with eight people. We are able to have access to Tahoe and a beautiful home that we would not be able to afford on our own.” A second home is a special place With more moments on the schedule and plans to pass the home to their daughter, the couple views their Tahoe home as more than just a second home — it’s about going to a beloved destination that holds special meaning in their family. “I think our second home is an extension of our primary home and an extension of our family,” said Chris. “We can’t say that about our current home as much as we love it, because — at some point — you transition out of your primary home. But with a second home, it’s always going to be a place we go to that matters.” Look forward to coming to Tahoe Looking for a place to make memories in Lake Tahoe? When you co-own a Pacaso, you enjoy hassle-free ownership in a beautiful property that feels like home — because it is. Check out our

For Susan and Jason, Napa Valley had long felt like a home away from home. They live less than two hours away in Burlingame, and wine is Jason’s business — in fact, he owns a wine bar, and frequent trips to Napa and Sonoma Valley are part of the job. But wine country means more than that to the family, said Susan. “Jason is in the wine industry, so Napa is important for that reason, but we also love the community and the change in pace of life it brings while we’re there, so it has a lot of sentimental value for us.” From ‘maybe someday’ to ‘let’s do it!’ They had thought about a second home in Napa, but the idea never went anywhere. “We’d been considering it for years, but the most we ever did was look online, and we always had the same conversation,” said Susan. “It seemed like a lot of upkeep and maintenance considering our busy jobs and lives. How often are we going to use it? Is it worth it? And then this home showed up online and we realized it was partial ownership and we thought that seemed ideal.” Although they hadn’t heard of Pacaso, they understood the concept. “We have friends in Tahoe who own a fractional property, so we were familiar with the idea. Jason was able to tour in person and took me along via FaceTime. We decided that night, and it wasn’t a hard decision! We loved the property and it seemed like a minimal risk for what we would get out of it.”  What they would get was space, true ownership in a home, and an opportunity to put down roots in an area they loved. “When you have a family and go on vacation, you end up cramming four people in a hotel or paying for a suite or multiple rooms each time,” said Susan. “That’s not nearly as appealing as having space for not just family, but also friends, and being able to own it and sell it — those were all the things our friends loved about their Tahoe place, which, in part, is what convinced us to move forward with Pacaso.”  A short drive, a world away Getting out of the city and having a place to relax, with minimal effort, is a dream come true, said Susan. “Being able to just pack up and be there in under two hours is wonderful. You just feel the stress melt away as you get closer to the house.”  Susan and Jason’s Pacaso is situated on an acre and a half in a neighborhood they described as almost farmlike. “It’s close to downtown but you feel like you’re in the middle of nowhere. The kids love to walk down the drive and feed the goats across the street. We live in a city, so having all this space, a pool, playing bocce ball, making s’mores — it’s great, and the kids don’t want to leave.” In addition to making friends with the neighborhood goats, the family looks forward to developing closer connections within the Comfort and ease Leisurely days spent by the pool or exploring local parks are possible in part because Susan and Jason don’t have to invest time and energy in the home itself. “The house is very thoughtfully appointed, and the fact that we don’t have to worry about the maintenance is even better,” said Jason. “From our first stay, it immediately felt very comfortable, and there was clearly a lot of thought put into the way the home was stocked from appliances to glassware and bedding. The personal touches like games are really nice too.” Susan added, “There’s a lot less screen time when we’re there because there’s so much other stuff to do, like playing family games.” The themes of home, ownership and ease have been core to Susan and Jason’s And for Jason, the consistency you can expect from a home you own offers peace of mind — especially when you don’t have to deal with the hassles yourself. “There’s a comfort level in going back to the same place — you know where everything is, you know how to work the TV and the pool and set everything up the way you want it. But we’re not responsible — it’s the actual joys of homeownership.”  Make Napa your second home destination Pacaso puts second home ownership within reach for families, with listings in some of the most desirable destinations. And our Family-Friendly Second Homes™ make it easy to just show up and relax — from cribs and high chairs, to games, pool floaties, streaming services and more, we have you (and your kids) covered. Check out our

Like many couples, Richard and Anne-Catherine thought about buying a second home for years, and they got pretty close a few times. They even did a trial run to see what ownership might be like, renting a home for a season when their children were young, but it ended up being a hassle. “We had to duplicate everything we had in our home to be comfortable, and we were always forgetting something or didn’t have something. There was so much to pack and bring back — it just wasn’t working!” said Richard.  But more than the inconvenience of schlepping things between homes, a feeling held them back: guilt. “Every time we were serious about buying a place, I always felt guilty knowing we wouldn’t use it very much,” said Anne-Catherine. Right-sized ownership with all the amenities Living in the Bay Area, Richard and Anne-Catherine are regular visitors to Lake Tahoe and enjoy the region’s variety of year-round outdoor activities. They never gave up on the idea of owning a second home, and considered buying a condo in Tahoe. Then they learned about Pacaso. “We thought, what a great idea! This is exactly what we need. The cleaning is done, the decorating is done, and there will always be other people using it. We’ll have it for a reasonable amount of time, but it’s not just us — it’s not wasted,” said Anne-Catherine.  Plus, owning a Pacaso meant they didn’t have to deal with all the prep and packing that made their seasonal rental experience so much work. “A big advantage of Pacaso is how well-equipped it is,” said Richard. “You don’t have to worry about what to bring because apart from picking up groceries, everything you need is here.” While they had some initial reservations about taking a risk with a newer company, Richard and Anne-Catherine felt reassured by Pacaso’s thorough operating agreement, and ultimately bought their share A nice price, a very nice home Co-owning a Pacaso also gave Richard and Anne-Catherine an opportunity to own a larger home than they could otherwise afford. “In Tahoe, what we paid for our one-eighth share gets you a one-bedroom apartment. It would be available to us all the time, but it would be very tiny, so I’m not sure it would be worth it,” said Richard. Anne-Catherine noted that it also wouldn’t come with the new, Having stayed at many vacation rentals, the couple says the quality of their Pacaso far exceeds the homes they’ve rented. “Rentals can be shabby,” said Anne-Catherine. “Even high-end rentals can still have cheap cutlery or no baking equipment. I adore baking, and at our Pacaso, everything is there. The decor is very tasteful, and the quality of the bedding and towels is so nice.”  Service at rental properties can be unpredictable as well, but they’ve been pleased with their Pacaso experience. Everything has gone smoothly, from timely door-code notifications to the functionality of the home technology. And the human touch has been a real plus: “The manager is reachable and responsive right away — it gives you confidence,” said Anne-Catherine.  Year-round enjoyment Tahoe’s seasonal activities make it an ideal The couple is also happy to have a place to share with family and friends — something that would have been challenging had they bought a small condo. “We came with two of our (adult) kids and they couldn't believe the place — it was a treat,” said Anne-Catherine. Richard added, “The service, the cleaning and quality of the place that you get for the money is very good. It’s a great deal compared to a one-bedroom apartment where we’d have to do everything ourselves. We can come here and do a bit of work, a bit of skiing — it’s going to be brilliant.” Make Tahoe your second home destination Pacaso puts second home ownership within reach, with listings in some of the most desirable destinations. Check out our

Meghan and Chad had been thinking about buying a second home for their family of five to enjoy quality time together. However, concerns about upkeep, expenses and having enough time in their home held the couple back. “We didn't want to buy ourselves a job,” the couple shared. “We previously owned a second home, and we just felt like it wasn't getting used enough.”  Pacaso’s Ready from the get-go While the couple originally wanted an escape during the pandemic, their Pacaso became much more: A consistent place where they can maximize their time and have everything ready to go. “When we arrive, the gates open and it just feels awesome,” Chad said. “Everything's totally dialed in, and we know how to work everything. The fun, relaxation and enjoyment all start immediately.” This familiarity is the biggest appeal of owning a second home. “Having to discover and troubleshoot a vacation rental, I think, takes 24 hours. With Pacaso, however, we get those 24 hours back to enjoy,” Meghan said about the turnkey experience. Plus, Pacaso’s Reselling their ownership Another advantage of owning a Pacaso is the ability to sell. While Meghan and Chad started off owning 1/4 ownership of their home, they later upgraded their primary residence and adjusted their Pacaso home ownership to 1/8.  “The Family fun, inside and out  For Meghan and Chad, their second home provides everything they need for their family and more — like lemons their son picks from the beautiful trees to make lemonade and the wood-fired oven for baking homemade pizzas. “The home is amazing … it’s been a great place to bring family and friends together,” Chad said. The fun extends to Healdsburg itself where the couple enjoys Saturday evening dance parties in the plaza, shopping at farmer’s markets and delighting in local wine tastings. Their kids attend local camps and swim with local instructors. “I think we're super embedded in the community,” Meghan shared. “One of my goals in being up there was to really take advantage of the place — not as a tourist, but as a local.”  Discover your home away from home When you become a co-owner of a Pacaso home, you enjoy hassle-free ownership at a place that truly feels like home. Check out our

Mike and Rita wanted nothing more than to have a place for everyone in their family to enjoy. From the moment they stepped into their new home, the two grandparents knew immediately they had made the right choice. A Pacaso in Newport Beach was everything they desired in a second home. From the amenities and location to Pacaso’s ongoing support, every detail has made it “feel like home.” Mike and Rita’s calendar is packed with upcoming celebrations, get-togethers and special occasions. “There’s going to be amazing memories made,” said Rita. “As a grandmother, that is my main job. And I think it’s going to be quite easy.” Watch the video to hear what else Mike and Rita love about their Newport Beach second home.

Pacaso owner, Simon Bull made the ultimate romantic gesture when he purchased a beautiful Sonoma home as a Valentine’s gift for his wife of 44 years. He recounts what struck him most about this house and location and offers thoughtful insight into how Pacaso owners fit into the community.

Second home buyer: George, Bay Area entrepreneur George is a long-time Bay Area resident and tech company CEO, and with three kids between the ages of 7 and 12, he felt the time was right for a second home where his family could take a break from their busy lives. He wanted a location that felt like an escape but was still easily accessible by car, and served as a welcome gathering space for his immediate family as well as extended family and friends.  The situation George’s second home vision started as a building project. He had been researching the When George and Anne learned about Pacaso, however, they were intrigued. As a tech entrepreneur with an eye for innovation, George embraces forward-thinking business ideas.  “We are big believers in the shared economy,” said George. “What was compelling about Pacaso was it was ready and available now, and it was clear the team had really thought about what the shared economy looks like for vacation homes, and what would it look like for me and my wife who want to take advantage of a second home but are busy and active in our work lives. We're not retired or close to it, so I'm not going to be occupying a second home more than 15% tops. It's a perfect product for someone like me, and that helped us move forward quickly and become owners of a Pacaso home.” Although Pacaso was relatively new, George was familiar with the co-ownership concept and felt confident in his purchasing decision. In fact, he sees Pacaso as the model for second home ownership: “This is the way the future is going, and the way a vacation home should be leveraged by a person like myself.”  Still, there were a few important details George wanted to discuss before committing to a purchase. “One of the biggest hurdles for any buyer is understanding Another concern was how co-owners might treat the home. “What I liked about the contract was that it made it very clear that every owner is expected to be a true owner,” said George. “It presents a deliberate point of view about how you should think of and value your home, which sets the right tone.” Since purchasing their Pacaso, George and his family have loved staying at their home, and any misgivings about others’ care of the property have been erased. In fact, they’ve referred friends who ended up buying a share. A key factor in their enjoyment? Not having to deal with maintenance or other hassles of ownership.  "We don't have to worry about things like a leaking sink, and when we noticed that the Wi-Fi wasn’t great outside, we talked to Pacaso and they took care of it,” said George. “We get the advantages of using the home in the way we want without all the downsides of owning a second home, and that’s because of the Pacaso team.”  George has also been impressed with the ease of scheduling time at their home. “One of the most positive aspects is how well Pacaso thought about the app — when owners can get access, how much time they can schedule, who can book. We look at the calendar and know what we can plan, and it's been pretty awesome.” Conclusion For George and his family, their Pacaso ticks all the boxes: It’s an escape from the city, a comfortable place to gather with loved ones, and a practical alternative to whole home ownership. “It's your home, but it's also a home that's well taken care of when you're not there. When we come back, everything is ready to go — we don't have to fix or clean anything — and when we’re there, we don't have to worry about all the typical homeowner issues, which allows us to maximize our time there. It’s an incredible thing.” And while the home itself is well matched to their needs, it represents so much more to George. It’s a place where he and his wife can watch their children grow into young adults.  “My kids are at a critical point in their lives, and their memories and the ways they think about family are being created as we speak,” said George. “To have a place that we can call our home and where we can separate ourselves from living and breathing the frenetic pace of Silicon Valley — having that time and memories that are so distinct from the Bay Area, that's huge. These are the formative years for our kids, and having this place for our family is really meaningful.” Find your Napa Valley getaway With gorgeous (and hassle-free) homes available throughout the

Market trends in global luxury real estate: 3 rising retreats For 2025, buyers are paying attention to market trends in global luxury real estate while zeroing in on places that deliver an extraordinary everyday rhythm. Carmel, Santa Barbara and Breckenridge check that box with rare settings, strong lifestyle draws and a growing selection of high-design homes available through co-ownership. Below, see why each destination is trending, how the broader market supports thoughtful acquisitions, and where Pacaso fits your plan. The luxury market shows steady momentum in 2025, with median prices for single-family luxury homes up 1.8% year-over-year and 8.0% versus 2023. Inventory has reached a two-year high, giving buyers more choice and negotiating power. Globally, the category is projected to grow at a 6.9% CAGR through 2035, with North America accounting for about 30% of market share. These market trends in global luxury real estate are fueling interest in lifestyle-led destinations like Carmel, Santa Barbara and Breckenridge. Why Carmel is trending for 2025 Carmel pairs cinematic coastline and acclaimed dining with access to Santa Barbara’s Mediterranean pace and culture Framed by ocean and mountains, Santa Barbara blends refined dining, a lively arts calendar and quick access to Breckenridge for four seasons of alpine living With How co-ownership fits these markets Pacaso co-ownership aligns with these destinations by matching high-use lifestyles with right-sized ownership. You enjoy equity in a real home that is professionally designed and furnished, plus intuitive scheduling that supports frequent stays. For a deeper overview of how it works, see Pros and cons by destination Which destination fits your lifestyle If you picture quiet coastal mornings and gallery strolls, vacation homes in Carmel deliver a refined, low-key rhythm. For terrace-to-beach living with culture in every direction, luxury homes in Santa Barbara lead the list. If your calendar is built around ski days and summer trails, Breckenridge vacation homes offer a year-round mountain base. In each, market trends in global luxury real estate favor thoughtful buyers who value setting, design and time well spent. Explore Pacaso homes in these markets Ready to see more in each destination? Browse

Beautiful American cities attract big businesses, and big businesses pay well for top talent, making metropolitan areas flush with million-dollar homes. But which cities lead the high-priced real estate pack? A 1. San Jose, CA Located in the heart of Silicon Valley, San Jose is the hotspot for 2. San Francisco, CA Just north of Silicon Valley, San Francisco has 42% of its homes valued at over $1 million. But the size of million-dollar homes in San Francisco varies widely depending on location and condition, with 700-square-foot condos in popular neighborhoods going for $1 million, and suburban homes with close to 3,000 square feet listed at the same price. The neighborhoods with the highest appreciation in San Francisco are just east of Lake Merced and bordering San Francisco State University.  3. Los Angeles, CA Are you starting to see a California trend? Los Angeles has long been known for pricey real estate, and its selection of million-dollar homes make up 19% of the market. The average size of million-dollar homes in the City of Angels is 1,720 square feet, with 92% of them built before 1999. The priciest neighborhoods include Bel Air, Brentwood, West Sunset Boulevard, and areas along the Pacific Coast Highway.  4. San Diego, CA San Diego continues the trend of expensive West Coast real estate, with 14% of the homes valued at over $1 million. Median home values in San Diego are around $665,000, with the majority of homes in the area priced between $596,000 and $894,000.  5. Seattle, WA Seattle’s 91% white-collar workforce is a contributing factor to having 11% of its homes valued at a million dollars or more. You’ll find the most expensive neighborhoods near Edgewater Park/Broadmoor, Laurelhurst, and East Roy Street at 24th Avenue East. Newer construction dominates the scene, with nearly 24% of all homes built since 2000.  6. New York, NY New York City is known for its expensive real estate, so it’s no surprise that the Big Apple made this list: 10% of homes are valued at a million dollars or more. But unlike many other urban areas in the U.S., New York’s dense population means that 95% of the city’s homes are apartments, not detached houses. One-bedroom apartments make up 39% of those units, and it’s rare to find a home with five bedrooms or more in the city.  7. Boston, MA In Boston 9% of the housing inventory is valued over $1 million. You’ll find Boston’s priciest real estate at Beacon Street near Fisher College and Boylston Street near Presidential Plaza. Boston is known for its history, and it’s not just monuments and museums — in fact, 50% of the city’s real estate was built before 1940. As a college town, Boston also has a high percentage of renters, with only 33% of homes occupied by owners. 8. Washington, D.C. Like Boston, Washington is a hotspot for American history, but with a larger inventory of newer construction homes: 34% of homes in the district were built before 1940. Million-dollar homes make up 7% of the D.C. real estate market, with Dupont Circle’s historic mansions, Georgetown and The Palisades among the city’s most expensive neighborhoods. Typical home values range from about $236,000 to $1.2 million, with no single price bracket cornering the D.C. market.  9. Miami, FL With glamorous mansions lining its waterways, million-dollar homes are part of Miami’s scenery, making up nearly 5% of the city’s homes. Miami also has some of the newest homes, with 27% of its housing constructed after 2000. Up-and-coming Miami neighborhoods include Buena Vista, City Center and Biscayne Boulevard at Miami Dade College.  10. Denver, CO The Rocky Mountain gem of Denver rounds out the list with 4% of its market consisting of million-dollar homes. Home values are pretty evenly distributed between $122,000 and $914,000, with 86% of them falling in this range. The city is also divided nearly equally between owners and renters, at 49% and 51%, respectively.

Time to celebrate—Pacaso is turning five! In just five years, we’ve broken new ground in the second home market and introduced a model that is reshaping real estate. None of it would be possible without our team of innovators, thought leaders, and most importantly, our incredible owners. As we look ahead to the next chapter, we remain grateful to the community that fuels our success and inspires us to keep innovating and raising the bar. Thank you for being part of our journey. Now, let’s take a look back at the milestones that made our first five years so memorable. Here’s to the next five years of memories, meaningful connections, and innovation. The best chapters of the Pacaso story are still to come.

Luxury real estate trends: Paris & London 2025 Luxury real estate trends in Paris and London point to a year of selective growth, more choice at the top end, and faster deal timelines. For a second home, that translates to better access to prime addresses and turnkey quality in both cities. Globally, prime prices rose 2.8% year over year in Q1 2025, underscoring steady demand for high-caliber homes in world capitals. Pacaso makes ownership in these prestigious markets more attainable through fractional ownership. Instead of buying an entire property, buyers purchase a share of a luxury home in Paris or London. This approach lowers costs while preserving the benefits of equity, appreciation, and personal use, making world-class real estate more accessible to second-home buyers. Paris in 2025 market signals buyers should watch Paris rebounded decisively to start 2025. Lower mortgage rates below 3% and stable pricing have doubled the pool of active buyers and shortened timelines, especially for renovated, move-in-ready residences in prime districts. That momentum is also evident on the Left Bank, where Saint-Germain combines classic architecture with updated comforts, a profile exemplified by Beaux Arts. Set steps from galleries and the Seine, London in 2025 pricing, policy and prime demand London is set for modest 2025 gains of about 2%, supported by strong cash-buyer demand and improving choice at the top end. Across luxury segments, inventory is at a two-year high, with single-family listings up 40.4% and multifamily up 42.6% year over year. Price performance is bifurcated: the best-designed, turnkey listings still command premiums, while buyers have more room to negotiate on homes needing updates. For everyday access to Key luxury real estate trends shaping buyer choices Paris vs London lifestyle essentials for a second home Paris offers How co-ownership supports 2025 buyer behavior Today’s buyers value time and certainty. Pacaso co-ownership provides access to high-demand neighborhoods with professional management and streamlined scheduling, so you spend your time enjoying the city rather than handling home logistics. In Paris, that can look like a classic Left Bank address steps from museums, cafes and the Seine, such as What it means for your next move Here is the bottom line for 2025. Paris is accelerating, with faster transactions in top districts and a broader base of active buyers. London should post around 2% annual growth with more inventory at the high end, giving shoppers greater choice. With global prime prices trending higher and considering these luxury real estate trends, selecting a property that is truly turnkey and well-located remains the clearest path to lasting enjoyment. Ready to explore prime addresses in two world capitals? Browse Pacaso listings in

Luxury home buying in a stabilizing market Luxury home buying is entering a more balanced phase across flagship destinations, and the shift is reshaping luxury real estate market trends. In Paris, Q1 2025 transaction values rose 69% as rates dipped below 3% and buyers returned. London’s prime addresses faced sharp price adjustments and rising inventory, creating room to negotiate. Cabo posted one of its strongest quarters on record, while select U.S. resort hubs show more listings and longer decision windows. In Miami, most April sales closed below asking, another sign of cooler conditions and buyer leverage. What market stabilization means for luxury home buying Stabilization is showing up in three ways: more choice, more time and more precision on price. For luxury home buying, these shifts translate to improved selection, pacing and pricing clarity. Prime central London listings rose nearly 16% year over year, stretching time to sell and shifting power to buyers. In Miami, a larger share of sales closed below ask, signaling realistic pricing wins. In Vail, nearly 45% of active listings saw price reductions in the 2025 summer window, reinforcing the value of disciplined offers and well-priced, move‑in ready homes. Signals by destination How co-ownership performs in a cooler market With luxury real estate market trends pointing to steadier pricing and more selection, co-ownership offers a precise way to align use with value. Pacaso provides professionally managed, designer furnished homes in blue chip locations, so you enjoy the lifestyle and avoid the burden of sole ownership. In a market that rewards optionality and speed, coordinated scheduling and local care teams keep your time focused on experiences, not logistics. For Cabo days centered on golf, water and dining, In the Rockies, Next steps for buyers If you are evaluating luxury home buying across stabilized markets, start by shortlisting destinations with clear usage fit and resilient demand drivers. Browse Pacaso listings in

With summer winding down and the year’s midpoint behind us, the luxury real estate landscape looks clearer, and brighter, than it did just a few months ago. Buyers and sellers are navigating calmer waters: prices at the high end have held steady, interest in co-ownership keeps climbing, and industry trends point to more meaningful travel. Here are some key takeaways  as we head into the second half of 2025, and why the outlook for second-home owners has never felt more promising. When we launched Pacaso in 2020, many buyers still assumed “real” ownership meant holding 100% of a home, even if it was rarely used.. That mindset is changing fast. In Cost and ease of management are the main drivers behind co-ownership. Though overall home sales cooled in early 2025, the top of the market keeps defying gravity. High-end properties outperformed every other price segment in 2024 and Q1 2025, according to Realtor.com’s What’s driving demand? A combination of strong stock-market returns, limited home inventory in some markets and the appeal of tangible assets you can Global living isn’t just for digital nomads. London is a prime example. Beauchamp Estates reports U.S. citizens now account for roughly That global appetite is why Pacaso is expanding beyond North America. We’re continuing to focus on adding more Pacaso homes in Europe, bringing our seamless co-ownership model and simplified transaction process to some of the world’s most coveted vacation destinations. Whether you’re traveling or buying a home, experience is quickly becoming the true measure of luxury. This same experiential mindset is reshaping real estate: “The feeling a home delivers matters as much as the address,” observes Tammy Fahmi of Sotheby’s International Realty—a change that’s prompting buyers to pay premiums for properties aligned with their lifestyle ideals ( Luxury real estate is evolving on two parallel tracks: shared ownership is accelerating, and lifestyle-led demand is strengthening at the high end. Together, those forces create an unprecedented opportunity to enrich your life through the purchase of a second home. Pacaso takes the complexity out of second home ownership, giving you effortless access to extraordinary properties around the world. Whether you’re eyeing a Austin Allison CEO and Co-founder of Pacaso

While the real estate market has slowed down after the pandemic-driven surges of 2020 and 2021, many popular luxury vacation destinations across the country continued to see a rise in second home demand in 2022. In this year’s Top Second Home Markets Report, we reveal the top 10 luxury second home markets of 2022. These are the markets across the US that saw the biggest upticks in second home buying activity.  “Despite a national cooling in residential real estate, we’re finding that the To determine the top U.S. markets, Pacaso analyzed second home mortgage rate lock data — an indicator of second home buying activity. Here are the 10 U.S. counties that saw the biggest increases in the share of second home mortgage rate locks for homes priced above $1 million.  “What’s interesting here is that many of the counties that saw the largest year-over-year shift toward second home buying activity this year are already regarded as luxury top second home destinations,” said Austin. “Places like Napa, Kauai, and New York City all made the list this year. In previous years, lesser known Compared to last year, sought-after destinations in Utah, Florida and California saw the biggest gains in the number of people purchasing luxury second homes. In Washington County, Utah, where the average second home price was $1.3 million, the share of luxury second home mortgage rate locks was up 10.3% year-over-year — the largest increase in the country. Home to Osceola County, Florida (6.1%), and Nevada County, California (4.5%), also saw the biggest year-over-year share increases among the top markets. Osceola County is situated just south of Orlando and is in close proximity to Florida’s famous east coast beaches.  Nevada County, home to Truckee, is situated in the Sierra Nevada mountains and is a short drive from the world-class ski resorts of Lake Tahoe. With demand and prices for second homes continuing to rise in many areas, co-ownership offers a smarter and more responsible option for buyers looking to make memories now in a second home. Pacaso has co-ownership listings in over 40 world-class destinations. Browse Pacaso identified the top U.S. luxury second home markets by selecting the 10 counties with the highest year-over-year increases in second home mortgage rate locks between January 1 and December 6, 2022. Counties without at least 50 second home transactions in the period, as well as those with second home mortgage rate lock share below 10%, were excluded from the analysis.  Luxury second homes are defined as homes sold for $1 million or more that are designated for seasonal and/or recreational use. Mortgage rate lock data is an indicator of second home buying activity. When applying for a mortgage rate lock, a home buyer must specify whether they are securing a mortgage rate for a primary home, secondary home or an investment property. Approximately 80% of mortgage rate locks result in home purchases. Mortgage rate lock data was provided by real estate analytics firm Optimal Blue and includes a sizable share of the market that is taken to be representative of the whole. Second home mortgage rate lock transactions and average second home purchase price data were sourced at the county level. 

Second home market trends: Key takeaways Second home market cooled in summer, but still relatively hot Across the nation, second home rate locks — a proxy for second home transactions — increased throughout the pandemic, peaking in summer 2020 and again in spring 2021, but falling 26.6% year over year this past summer. Despite this recent cooling of the pandemic-fueled second home surge, overall market share of second homes is still up from pre-pandemic levels.  From 2017 through 2019, second home transactions averaged a 3.8% quarterly market share of all rate locks. As of summer 2021, that percentage was up from pre-pandemic levels, with second homes comprising a 4.3% market share. “A year ago as Pacaso was preparing to launch, we wanted to better understand the second home market, and quickly realized there was a massive gap in local, timely second home data,” said Pacaso CEO Austin Allison. “It’s estimated that there are nearly 10 million second homes in the U.S., and with pandemic-driven shifts that have allowed people greater flexibility around where they live and work, we expect to see this number continue to grow. The second home housing market represents a significant subset of the market that is critical to watch in order to fully understand the U.S. housing market.”  The Pacaso Second Home Market Report, which analyzes timely and localized data for the top 50 second home markets, is a composite including property use and mortgage rate lock data. It includes counties with a percentage of seasonal homes and median home values at or above the top 20th percentile. Mortgage rate lock data is a leading indicator of consumer second home buying activity. Transaction volumes decreasing, but home prices up across top 50 markets Most of the top vacation destinations are seeing second home mortgage rate locks decline, but prices remain highly elevated and continue to rise. All but one county tracked in Pacaso’s report saw double-digit price growth in second home purchase prices this past summer. Kauai, Hawaii, saw the highest growth, with a median purchase price of $1.25 million, up 83.3% compared to a year ago. The island of Kauai has seen Wasatch County, Utah, and Gunnison County, Colorado, also saw sharp increases in second home purchase prices, up 53.9% and 53.2% respectively year over year. Prior to this spike, Wasatch County historically had a lower median second home price than neighboring Summit County, Utah, which is home to popular resort town Park City. Meanwhile, Gunnison County, located in the Colorado Rockies and home to ski resort Crested Butte, still has a lower median second home price than neighboring Summit County, Colorado, which is home to a number of famous ski destinations like Breckenridge, Keystone, and Copper Mountain.  Of the top 50 second home destinations analyzed, 46 saw a year-over-year decline in transaction activity in the summer months. However, trends in four second home markets stood out as exceptions:  Demand is creating a new wave of second home markets “It’s clear that there’s been a sea change not only in where people live and work, but also where they choose to get away from it all. The market looks completely different than it did two or three years ago,” said Pacaso CEO Austin Allison. “It used to be that major metros were the primary hotbeds of real estate activity, and now we are seeing double-digit price growth across the entire U.S., and intense interest in second homes in places like Boise, Idaho, and Eagle County up in the Colorado Rockies. This widespread demand is creating a new wave of second home markets with more moderate median home prices but the same types of amenities and outdoor recreation options typical of their more famous counterparts.” At the other extreme, El Dorado County, California saw the biggest decline in second home mortgage rate lock volumes, down by 62.5%, which was almost certainly related to this summer’s wildfires in Lake Tahoe. Cass County, Minnesota (-60.7%), Chelan County, Washington, and Beaufort County, South Carolina were just behind, both down 59% year over year. Most of these markets posted extreme growth the year before, which was not sustained.  Methodology Pacaso identified the nation’s top second home markets by compiling census data on counties with a percentage of seasonal homes and median home values at or above the top 20th percentile and by excluding those below the bottom 10th percentile of counties with the fewest households. Counties without at least 20 second home transactions in the period were also excluded from the analysis. Pacaso then analyzed real estate activity in the top second home markets by observing mortgage rate lock data, a leading indicator of second home buying activity. When applying for a mortgage rate lock, a home buyer must specify whether they are securing a mortgage rate for a primary home, secondary home or an investment property. Approximately 80% of mortgage rate locks result in home purchases. Mortgage rate lock data was provided by real estate analytics firm Optimal Blue and includes a sizable share of the market that is taken to be representative of the whole. Second home rate lock transactions and median purchase price data were sourced at the county level with the months June through August 2021 comprising the “summer” period in this analysis. 

Gain insights from industry experts on the latest in capital markets and what’s to come in tech in Pacaso's recent webinar hosted by co-founder and former Zillow CEO Spencer Rascoff. Jane Dunlevie, Global Head of Internet Banking, and Danielle Freeman, Managing Director, Equity Capital Markets, from Goldman Sachs joined Pacaso co-founder, former Zillow CEO, and Goldman alum Spencer Rascoff. Together, they discussed the 2024 capital markets outlook, explore IPO windows, and analyze the current landscape of tech stocks.  A few key takeaways included: Click

More people are buying second homes than ever before. Although the pandemic-induced buying frenzy slowed in 2021, second homes purchases remain historically high. In popular vacation destinations across the country, demand continues to rise, as do prices, with nearly all top markets seeing To determine the “We know that the pandemic fueled a major surge in second home buying demand, and that national demand peaked in the Rural southeast counties had highest rates of growth In addition to revealing the top second home market in every state, the analysis also highlights the percentage of growth each market has seen over the past year. Perhaps surprisingly, Top 10 markets with biggest increases in share of second home rate locks in 2021 High-priced markets more likely to see declines in rate locks Some markets, despite their popularity, experienced significant declines in their share of second home sales. Dukes County, which includes Martha’s Vineyard and 10 other islands off the southeast coast of Massachusetts, is the top second home market in that state. Still, it saw the biggest year-over-year decline in second home share among all top 50 markets that made the list, down 19.4% from last year. With an average second home price of $1.6 million, Dukes County is also one of the most expensive markets.  Price increases and limited inventory may have contributed to the annual decrease, as well as the emergence of other, more affordable markets with more inventory. Teton County, Wyoming — home to the popular Jackson Hole ski resort — has the highest average second home sale price of all the markets on the list: $3.4 million. It also saw a moderate dip in the share of second home mortgage rate locks, down 7.9% from last year.  Find your second home with Pacaso With prices and demand for second homes continuing to rise in many areas, co-ownership offers a more accessible, simpler option for would-be buyers. Pacaso has co-ownership listings in destinations across the U.S. and in Spain, and is rapidly expanding to new markets. Methodology Pacaso identified the top second home market per state by selecting the county with the highest total percentage of second home mortgage rate locks between January 1 and October 13, 2021, in each state. Counties without at least 50 second home transactions in the period were excluded from the analysis.  Mortgage rate lock data is an indicator of second home buying activity. When applying for a mortgage rate lock, a home buyer must specify whether they are securing a mortgage rate for a primary home, secondary home or an investment property. Approximately 80% of mortgage rate locks result in home purchases. Mortgage rate lock data was provided by real estate analytics firm Optimal Blue and includes a sizable share of the market that is taken to be representative of the whole. Second home mortgage rate lock transactions and average second home purchase price data were sourced at the county level. 

If you’re planning holiday travel, it’s absolutely worth adding one (or more) of the best Christmas markets to your itinerary. These festive pop-ups glow across the continent every December, filling city squares with holiday cheer, nostalgic treats, twinkling lights, and cozy winter magic. From snow-dusted cobblestone streets to stalls selling the perfect handcrafted ornaments, these markets bring a delightful mix of tradition, charm, and pure holiday joy. What is so special about Christmas markets? Picture yourself wrapped in your coziest scarf, wandering through the historic streets of a European town that looks like it was plucked straight from a snow globe. Strings of golden lights crisscross the squares, the air smells like cinnamon, roasted nuts, and mulled wine, and everywhere you go you hear a mix of carols, laughter, and the cheerful clink of mugs. Christmas markets aren’t just places to shop; they’re something to experience. Many of the European Christmas markets have been around for centuries, growing from humble winter gatherings into full-on holiday festivals filled with handmade crafts, regional specialties, charming decorations, and tiny magical moments you simply can’t plan for. Every year, travelers from around the world flock to these markets not just to browse, but to soak up the atmosphere, savor the season, and lose themselves in the pure holiday spirit. The most famous European Christmas markets One of the most legendary European Christmas markets, Nuremberg is a must-visit for any holiday traveler. Its red-and-white striped stalls, spicy gingerbread, and the beloved Christkind opening ceremony create a quintessential Old World Christmas atmosphere. It’s festive, traditional, and utterly unforgettable. Often called the Capital of Christmas, Strasbourg hosts one of Europe’s oldest and largest holiday markets. Entire streets and half-timbered houses are wrapped in extravagant decorations, while cathedral squares glow with warm amber light. With more than 300 stalls, it feels like stepping into a charming, bustling Christmas village. Set against Gothic towers and Baroque architecture, Prague is one of the best places in Europe for Christmas markets, and the Old Town Christmas Market is Prague’s most iconic. Its centerpiece, a towering illuminated tree, is surrounded by wooden stalls selling handcrafted puppets, glass ornaments, and traditional Czech treats like chimney cakes and mulled wine. With festive performances, carolers, and seasonal music, the market exudes a magical atmosphere that draws visitors from around the world. Dating back to the 1400s, Salzburg’s Christkindlmarkt is set in the UNESCO-listed Residenzplatz, surrounded by Baroque architecture that reflects the city’s rich history. Daily choir performances fill the square, while stalls offer hand-carved nativity figures, traditional sweets, and exquisite ornaments. With centuries of tradition and a full lineup of festive events, this market remains one of Europe’s most historically significant and celebrated holiday destinations. Widely considered one of Europe’s most beautiful and best holiday markets, Vilnius centers around a towering Christmas tree in Cathedral Square, often designed as a glowing sculptural masterpiece that lights up the historic surroundings. Twinkling lights, festive decor, an ice skating rink, and a Christmas train transform the square into a luminous winter wonderland. Named the European Christmas Capital for 2025, Vilnius is a must-visit for an absolutely magical holiday experience. The best Christmas markets for foodies Nestled in the Piedmont countryside, this sprawling market showcases Italian gastronomy with festive theater. Sample truffles, hazelnut sweets, and mulled wine while wandering artisan stalls, watching Elf School performances, and admiring the beautifully decorated Govone Castle. It’s a feast for all the senses. Germany is widely known as one of the best places in Europe for Christmas markets due to the sheer number across big cities and small towns. Cologne’s Christmas Market is a dream for food lovers, specifically. Sip on spicy glühwein, nibble on chocolate treats, and explore rows of stalls filled with handmade crafts and traditional German snacks. Cologne combines festive cheer with culinary delights that are as satisfying as they are indulgent. Wrocław’s Christmas Market is a hearty, delicious celebration of Polish holiday flavors. From steaming pierogi to mulled wine and traditional sweets, the market is filled with irresistible aromas that lead you through charming squares lined with colorful wooden chalets. It’s the perfect stop for travelers looking to eat their way through a festive wonderland. London goes all out for the holidays at Hyde Park Winter Wonderland, a larger-than-life celebration of food, drink, and festive cheer. At its heart is a Christmas market where you can sample Bavarian specialties, Swiss fondue, global street food, and classic English sweets. Stalls with handmade goods, themed bars, and nightly performances complete the experience, creating a true feast for the senses. Best Christmas markets in the U.S. Modeled after traditional German markets, Denver’s Christkindl Market features glühwein, bratwurst, and handcrafted ornaments in a cozy downtown setting. Add festive music, ice skating, and warm holiday cheer, and you’ve got a perfectly European-inspired winter experience in the Rockies. With dozens of stalls to shop, seasonal goodies, and a sparkling ice-skating rink set against the city skyline, it’s easy to see why Bryant Park Winter Village is one of the best Christmas markets in the U.S. Lights, shopping, and a joyful spirit combine to create a quintessential NYC festive experience and a truly magical holiday. The Danish-inspired village of Solvang in California wine country transforms into a European-style Christmas wonderland. Stroll photogenic streets lined with twinkling lights, enjoy boutique shopping, and catch festive performances that make it feel like you’ve stepped out of Southern California, and straight into a storybook. Find your perfect holiday escape From cozy European squares to twinkling U.S. cities, the world lights up with holiday magic every December. Explore streets dusted with snow, sip mulled wine, nibble on seasonal treats, and soak in the festive cheer. Whether it’s your first visit or a beloved annual tradition, these best Christmas markets are guaranteed to put a little extra sparkle in your season.

Looking for the best things to do in Palm Springs? This desert oasis is known for its mid-century modern design, a rugged mountain backdrop, and quirky, yet refined culture. But the region offers far more than what you’ll find within the Palm Springs city limits. The greater Palm Springs area, known as the Coachella Valley, is made up of nine distinct cities, each with its own personality and things to do like luxury resorts, world-class golf, and cultural pursuits. This overview will help you decide where to explore, stay, and play in this remarkable desert destination. Palm Springs Palm Springs is the valley’s most well-known destination, with a walkable downtown, famous mid-century architecture, rich Hollywood history, and a mountain backdrop that’s unique to this corner of the Coachella Valley. It’s also home to many of the region’s most recognizable landmarks including the Aerial Tramway, the Palm Springs Art Museum, and classic celebrity neighborhoods, making it a superb place for architecture lovers, culture seekers, and anyone looking for a quintessential desert escape. Top things to do in Palm Springs: Palm Desert Palm Desert is a polished, upscale city known for its country clubs, golf courses, and high-end shopping. Located just southeast of Palm Springs, it serves as a central hub of the valley with easy access to both luxury resorts and family-friendly attractions. If you’re looking for things to do in Palm Desert, El Paseo is a one-stop shop with designer boutiques, art galleries, and restaurants, giving it a refined, resort-town feel. Top things to do in Palm Desert: Rancho Mirage Rancho Mirage is relaxed, refined, and known for its world-class resorts, wellness retreats, and deep ties to Hollywood and American political history. Often called the “Playground of the Presidents,” the city has hosted U.S. presidents, dignitaries, and celebrities for decades — from Frank Sinatra and Lucille Ball to Ronald Reagan and Barack Obama. Today, visitors come for its serene atmosphere and polished resort experiences. The River at Rancho Mirage is a popular choice for dining and entertainment, while families love the 100-foot water slide at the Omni Rancho Las Palmas Resort & Spa. Top things to do in Rancho Mirage: Indian Wells Indian Wells is one of the valley’s most exclusive communities, complete with luxury resorts, world-renowned tennis facilities, and a tranquil, upscale atmosphere. Smaller and more residential than Palm Desert or La Quinta, the city is best known as the host of the BNP Paribas Open — one of the premier tennis tournaments in the world. Its palm-lined streets, mountain views, and elegant properties make it a favorite for travelers seeking a quieter, refined getaway. Top things to do in Indian Wells: La Quinta Nicknamed the “Gem of the Desert,” La Quinta is uniquely tucked away in the mountains and boasts top-tier golf, outdoor adventure, and Spanish-pueblo–inspired architecture — a distinct contrast to the mid-century modern aesthetic in Palm Springs. Built around the iconic La Quinta Resort & Club, the city has grown into a hub for arts, culture, and recreation. If you’re searching for things to do in La Quinta, you’ll find boutique shopping and cafes in Old Town, miles of trails along the Santa Rosa Mountains, and a thriving creative community highlighted by the nationally ranked La Quinta Arts Festival. Top things to do in La Quinta: Indio Indio is located at the eastern end of the Coachella Valley about 30 minutes from Palm Springs and is known as the “City of Festivals” thanks to major events like Coachella and Stagecoach music festivals. For those searching for things to do in Indio beyond its world-famous music scene, the city has deep agricultural roots — particularly in date farming — along with a vibrant mix of cultural experiences, local markets, and historic sites. It’s one of the valley’s most dynamic cities, where festival energy, culinary traditions, and community pride all come together. Top things to do in Indio: Cathedral City Cathedral City sits just east of Palm Springs and pairs a thriving local arts scene with an emerging mix of upscale dining, design studios, and boutique cultural venues — a more relaxed alternative to the neighboring resort hubs. Art enthusiasts will appreciate the working-artist community and the growing creative corridor along Perez Road, while modern theaters, curated galleries, and contemporary public art installations give the city a distinct cultural identity within the valley. There are plenty of things to do in Cathedral City if you know where to look. Top Desert Hot Springs Desert Hot Springs is a true wellness oasis, renowned for its naturally occurring hot mineral springs — some of the purest and most therapeutic in the world. The city blends boutique spa hotels, polished wellness retreats, and retro-chic hideaways that draw travelers seeking restorative experiences away from the busier resort hubs. Its elevated vantage point offers sweeping views of the Coachella Valley, and its location makes it an ideal base for exploring the surrounding desert landscape, including nearby Joshua Tree National Park. Top things to do in Desert Hot Springs: Coachella Coachella is a multicultural city at the eastern edge of the valley, known for its rich agricultural heritage, colorful public art, and authentic local dining. Unlike its festival-famous neighbor Indio, Coachella offers a more community-driven experience, with historic neighborhoods, farm-fresh markets, and a growing collection of artistic murals that celebrate the region’s history and creativity. It’s a great stop for visitors looking to explore the valley’s cultural roots and discover under-the-radar culinary spots. Top things to do in Coachella:   Things to do in Palm Springs and beyond The Coachella Valley offers an impressive range of scenery, activities, and culture, all within a short drive. Choose the city that suits you best, or experience more than one in a single trip. Golf in La Quinta in the morning, soak in mineral springs in Desert Hot Springs by afternoon and enjoy a trendy dinner in Palm Springs that evening. Whatever your style, the nine cities of Greater Palm Springs offer endless ways to unwind and enjoy.

Retirement is your time to embrace relaxation, adventure and the lifestyle you’ve always dreamed of. Finding the perfect destination is key, whether you picture yourself savoring coastal sunsets or exploring centuries-old European villages. Our guide to the 10 best places to retire in Europe provides everything you need to make an informed choice for your Using a comprehensive scoring system based on seven crucial factors, we’ve ranked the top European countries for retirement. Check out the full methodology at the end of the post to see how we developed these rankings. 1. Valencia, Spain Valencia effortlessly blends Mediterranean charm with a city atmosphere, making it a top choice for retirees. The city offers golden beaches, a rich history, cultural festivals like Las Fallas and affordable living. Its first-class healthcare system provides peace of mind, with both public and private options ensuring top-notch care.  Valencia’s expat community is welcoming and diverse, featuring residents from across Europe and the Americas. With a range of housing options — from historic apartments to modern villas — and attractive visa programs like the Golden Visa, settling in is simple. Whether you’re savoring authentic paella or exploring tranquil retreats like Xàtiva and Albufera, Valencia is considered one of the best cities to retire in Europe and a perfect location for those looking for a 2. Paris, France For many, France is considered one of the best European countries to retire in. France’s healthcare system ranks among the world’s best, providing comprehensive public and private options for retirees. While the cost of living can be higher in Paris, it’s generally more affordable than in many major U.S. cities, like New York, Los Angeles and Chicago. With visa pathways like the VLS-TS Long-Stay Visa and tax benefits available to U.S. retirees, France makes it easy to enjoy a fulfilling and serene 3. The Hague, Netherlands The Hague offers retirees an ideal mix of culture and a high quality of life, making it a prime choice when While the cost of living is above the national average, the Netherlands’ universal healthcare system and safe environment ensure peace of mind. The Hague also provides a wealth of 4. Brussels, Belgium  You can't mention Belgium without talking about its world-famous sweets, from decadent chocolate and pralines to crispy, golden waffles. Brussels combines these culinary delights with a cosmopolitan flair, making it one of the best places in Europe to retire. The city is known for its international community, progressive atmosphere and rich cultural scene, with highlights such as world-class museums, art galleries and a thriving culinary culture. Retirees enjoy easy access to green spaces, excellent public transportation and Brussels' prime location in the heart of Europe.  While winters can be long and overcast, the city offers a welcoming, diverse environment perfect for exploring or relaxing. Affordable housing and a high-quality healthcare system further enhance its appeal, though non-EU retirees should plan for a more complex residency process.  5. Helsinki, Finland When it comes to quality of life, Helsinki is one of the best countries to retire in Europe. About 70% of the population speaks English, which simplifies communication, and all permanent residents have access to a top-tier, publicly funded healthcare system. The cost of living is lower than the U.S. average, with affordable housing, utilities and public transportation, though higher costs for gas and winter utilities may arise.  Despite its benefits, Finland's harsh winters and proximity to Russia may be challenging for some retirees. However, Helsinki's affordability and standard of living make it a compelling choice for retirement. 6. Zagreb, Croatia Zagreb provides retirees with an affordable cost of living, excellent public healthcare and wonderful natural beauty. The country is known for its low crime rates, warm summers and mild winters, making it a safe and welcoming destination. Coastal cities like Split and Dubrovnik offer a Mediterranean lifestyle, while the Istria region is renowned for its wine and olive oil production.  Retirees should prepare for bureaucratic hurdles in obtaining a visa, potential healthcare wait times and occasional earthquakes. With no taxes on foreign retirement income and a relaxed lifestyle, Croatia remains an attractive option for those ready to navigate its complexities. 7.  London, United Kingdom London’s urban lifestyle makes it an appealing choice for retirees, offering world-class cultural experiences, high-quality healthcare and excellent public transportation links that are free for pensioners. The city’s walkability and active transport options keep retirees physically engaged, while the abundance of museums, galleries and theaters foster intellectual and social stimulation. There are tons of Depending on  8. Sicily, Italy Sicily offers a warm Mediterranean climate with mild winters and hot summers, making it an attractive destination for retirees looking to While the public healthcare system is accessible and affordable, many expats opt for private healthcare for more comprehensive coverage. However, navigating Italy’s language barrier can be a challenge, especially for those not fluent in Italian.  9. Lagos, Portugal Lagos, located in the Algarve region of Portugal, is a peaceful town known for its beaches, dramatic cliffs and storied history. The Mediterranean climate is one of its many draws, offering warm summers and mild winters that enhance the relaxed lifestyle. An increasing expat community provides an excellent setting for retirees looking to enjoy a social and active lifestyle. The strong potential for kinship abroad makes Lagos one of the best places for expats to retire. The D7 visa option allows retirees to live in Portugal, provided they meet specific requirements, including proof of income and health insurance. Lagos is affordable, and its thriving tourism and outdoor activities, such as surfing, boating and hiking, provide a rich cultural experience for anyone choosing to retire there. Retirees should be mindful of the 10% tax on foreign income for those holding the D7 visa and the need to secure private health insurance for full coverage. 10. Crete, Greece Spending your golden years on an island in the Aegean Sea sets up Crete, Greece as one of the best places for Americans to retire in Europe. Crete is an island off the coast of Greece and an enticing destination for retirees. It offers many outdoor activities, such as hiking, swimming and sailing. Its Mediterranean climate features warm, dry summers and mild winters, making it ideal year-round. Plus, Crete is just a short boat ride from Santorini, one of the best The cost of living in Crete is also significantly lower than in the U.S., especially for housing and dining, giving retirees access to an affordable lifestyle. Crete’s excellent healthcare system combines both public and private options, ensuring that expats can receive quality medical care. With historical sites and the famous Minoan civilization, Crete offers a lively atmosphere for those looking for an active lifestyle. Enjoy Europe Easier with Pacaso Whether you're an Our methodology To establish the rankings of the top 10 retirement destinations, we created a thorough evaluation system grounded in five essential factors that matter most to retirees. We carefully chose these factors to align with the key concerns of those looking for affordable, fulfilling and comfortable retirement options. We calculated the rankings by applying these factors, each given a specific weight as outlined below: Cost of Living (25%) Affordability is paramount when choosing a retirement destination, which is why the cost of living holds the highest weight in our methodology. To evaluate affordability, we took into account average monthly expenses such as housing, groceries, utilities and transportation. For accuracy, we pulled data from the Health Care (20%) Given its critical importance, health care was assigned the second-highest weight. We assessed each country's health care system based on Numbeo’s health care index, which evaluates the quality of healthcare services by considering factors like medical staff, infrastructure, treatment costs and access to care.  Safety (20%) Retirees prioritize safety in their decision-making process. For this factor, we turned to the The GPI offers insights into each country's peace level by examining factors like crime rates, terrorism, political stability and military expenditure. Using this index, we assessed the relative safety of each nation.  Average Home Price (15%) Home affordability plays a central role in determining a country's appeal to retirees. To measure housing costs, we analyzed the average percentage of income spent on home prices in each country, leveraging data from Numbeo.  Social Security Tax (10%) Taxation has a big impact on retirees' finances. We examined tax policies such as social security exemptions and local sales taxes, evaluating the impact these taxes would have on retirees. For consistency, we calculated the average tax rates across countries and factored them into the overall ranking.  Climate (5%) A favorable climate can greatly affect the lifestyle and well-being of retirees. We utilized a climate index that ranks cities worldwide by their weather and temperature patterns, considering annual averages and conditions that would be most desirable for long-term living.  Retirement Visa (5%) The ease of acquiring a retirement visa can influence a retiree’s decision. We tracked countries that offer retirement visas and those that do not, recording results in a binary fashion for each destination. The countries that streamline the visa application process were given higher marks. 

Retirement should be a time to relax and enjoy life. Do you imagine chilling on the beach, immersing yourself in new, exciting cultures or both? 1. Spain Imagine sipping sangria at a local tapas bar while chatting with your neighbors until sunset — that's just an average evening in Spain. Beyond the Mediterranean climate and world-class healthcare, Spain offers retirees something uniquely special: a culture that celebrates aging. Here, being a "jubilado" (retiree) means you're respected and included in community life. The country's famous “sobremesa” tradition — lingering after meals for conversation — makes it easy to build lasting friendships with both locals and fellow expats. For those drawn to the sunny Andalusian coast, exploring 2. Malaysia Where else can you wake up to the call of exotic birds, spend your morning exploring a modern city and your afternoon relaxing in the sand in front of your Retirees particularly appreciate the country's "silver hair" privileges — many businesses offer special discounts to seniors, from travel to dining. Plus, the country's strategic location makes it perfect for exploring Southeast Asia during your golden years. 3. Portugal While other European destinations might strain your retirement savings, Portugal offers an enviable lifestyle at a surprisingly gentle price point. What sets it apart is the country's deeply rooted café culture, where you can spend hours people-watching over a pastel de nata and coffee for just a few euros.  The Portuguese concept of "saudade" — a loving longing for life's beautiful moments — resonates particularly well with retirees seeking meaning in their next chapter. This quality of life makes it an appealing place to 4. Belgium Forget the obvious retirement haunts — Belgium offers a sophisticated twist on European living. You can start your day with the world's finest chocolates, spend afternoons exploring UNESCO-listed medieval towns and end your evenings sampling over 1,500 unique beer varieties.  Retirees particularly value the country's central location, making it the perfect home base for European adventures. The Belgian commune system ensures every neighborhood has its own distinct identity and community center, helping you quickly become part of the local fabric. 5. New Zealand If your idea of What truly sets New Zealand apart is its tramping (hiking) culture. You can join a local seniors' walking group and discover hidden trails while forming lasting friendships with fellow nature enthusiasts. Add New Zealand's high safety ranking and you've got one of the best foreign countries to retire in. 6. United Arab Emirates (UAE) If you think retirement means slowing down, the UAE proves otherwise. As one of the best foreign countries to retire in, this ultra-modern nation offers retirees a unique proposition: tax-free living in a country where tradition meets tomorrow.  The recent retirement visa program includes perks like zero property maintenance fees and exclusive access to members-only clubs, making 7. Mexico Forget everything you think you know about retiring in Mexico. This vibrant country ranks among the easiest countries to retire to from the USA, and for good reason. Just a short flight from major U.S. cities, places like Cabo San Lucas offer a perfect blend of familiar comforts and exotic charm. In this sun-drenched paradise at the tip of Baja California, retirees enjoy world-class sport fishing, whale watching and year-round The country's unique "tercera edad" (third age) benefits sweeten the deal with significant discounts on everything from grocery shopping to airline tickets. In Cabo's thriving expat community, for example, you'll find countless organized activities — from sunset yacht cruises to desert adventure clubs. Many U.S. banks and businesses operate here, and you can even keep your U.S. phone number, making it feel like you've discovered a slice of paradise without leaving your comfort zone. 8. Thailand Consistently ranked among the best places to retire abroad, Thailand's appeal goes far beyond its tropical climate and affordable living. The country's unique retirement visa, known as the " In cities like Chiang Mai, retirees can join early morning tai chi groups in public parks, learn traditional crafts from local artisans or even become part-time English conversation partners at local schools — all while enjoying the country's legendary hospitality. 9. Ireland The Emerald Isle, one of the best places for Americans to retire, offers more than just stunning landscapes — it provides a retirement filled with "craic" (fun and entertainment). Its unique Age Friendly Ireland program ensures communities are designed with seniors in mind, from accessible public spaces to social clubs.  Retirees often find themselves drawn into the local storytelling tradition, whether joining a writing group or simply sharing tales at the neighborhood pub. The country's Active Retirement network organizes everything from dance classes to mystery tours. 10. Switzerland While Switzerland's price tag might raise eyebrows, its unique benefits make it one of the best places to retire in the world for those seeking a premium quality of life. As one of the safest places to live in the world, Switzerland provides retirees with unmatched peace of mind. The country also offers retirement visa options for U.S. expats, allowing those who meet financial requirements to enjoy their golden years. The 11. Italy Living "la dolce vita" takes on new meaning when you retire in Italy, consistently rated among the best places to retire outside the U.S. Each region offers its own unique flavor of 12. United Kingdom Beyond the charm of afternoon tea and historic villages, The U.K.’s healthcare system, the NHS, adds another layer of appeal, offering comprehensive care that often comes at a lower cost than in the U.S. This combination of financial and health security further enhances the U.K.'s appeal for retirees, ensuring both peace of mind and quality of life. Meanwhile, the country’s extensive volunteer network helps retirees find meaningful ways to contribute to their communities. 13. Morocco Morocco offers a retirement experience unlike any other, where ancient traditions enhance modern living. The country's Living Like a Local program connects retirees with Moroccan families for cultural exchange and language practice.  In cities like Fez, join a traditional craft guild to learn centuries-old artisan skills or participate in community hammam (bathhouse) days — a social tradition that spans generations. The country's recent retiree residency program includes benefits like dedicated healthcare liaisons and cultural orientation services. 14. France France elevates retirement to an art form, offering more than just wine and cheese (though those are excellent perks!). The country’s public healthcare system is renowned as one of the best in the world. Retirees can enroll in the Assurance Maladie, which provides universal coverage to all French residents, granting access to a wide range of healthcare services, including doctor visits. This ensures health concerns won’t disrupt your golden years. The unique "senior solidarity" program ensures retirees never feel isolated, with regular community events and social clubs. Many regions also offer culture passes for seniors, giving free or discounted access to museums, theaters and concerts. Whether you're exploring picturesque villages or searching for the 15. Chile Chile's beautiful landscapes are matched by its innovative approach to retirement living, making it one of the top countries to retire in. The country's Better Aging initiative provides seniors with free technology training and equipment to stay connected with family worldwide.  Retirees often find themselves drawn to the country's unique "closed communities" — residential areas designed specifically for active seniors, complete with on-site activities and social programs. The growing digital nomad retiree community makes it easy to connect with like-minded expatriates while exploring everything from the Atacama Desert to Patagonia. Let Pacaso help you retire in style Choosing the best country to retire in the world is just the first step of your journey. Pacaso can help you with the heavy lifting and guide you through the details of your new home overseas. From maintenance and billing to no-stress financing, Pacaso can turn the process of Our methodology To determine the rankings for the 15 best countries for retirement, we developed a comprehensive scoring system based on seven key factors. Each factor was carefully selected to reflect the priorities and concerns of retirees looking for a safe, affordable, comfortable and fulfilling retirement experience. The rankings were calculated using these factors and weights, with data pulled from various reputable sources. Cost of living (25%) Cost of living carried the highest weight in our rankings, as affordability is a top priority for retirees. The metric used for each country was the cost of living index sourced from Healthcare (20%) Access to quality healthcare is especially important for retirees, so it was assigned the second-highest weight. We sourced the healthcare index from Safety (20%) Living in a safe place makes retiring a more comfortable experience. Our rankings pulled from the comprehensive The index breaks down safety into three key components: This gives you a more practical view of what safety really means when you're considering where to spend your retirement years. Average home price (15%) Housing is a major expense for retirees, and affordability can significantly impact their overall quality of life. To gauge housing accessibility, we sourced the average percentage of income spent on home prices in each location from Taxes (10%) Tax policies can significantly impact retirees’ budgets. We factored in tax benefits for retirees, such as Social Security tax exemptions and sales tax for each country. We found the average of these taxes and applied 15% weight to each ranking. Climate (5%) A comfortable climate plays an important role in retirees' lifestyles and well-being. We used a Retirement visa (5%) Countries that offer a retirement visa and make the process easy can be an important factor for retirees. The results were binary, logging countries that include retirement visas and those that do not. 

Vibrant foliage, crisp air and fewer vacationers make autumn the perfect time for travel and adventure. To help you make the most of this enchanting season, we've curated a list of the 41 best fall vacation destinations across the United States. And if one of them feels like home, we can help you co-own a vacation home to love all year round. 1. Pocono Mountains, Pennsylvania The Pocono Mountains are a paradise for hikers who love the brisk autumn temperatures and the foliage along the Appalachian Trail is breathtaking. Explore charming towns like Jim Thorpe and Stroudsburg as you travel through the region. If hiking isn’t your cup of tea during a 2. Woodstock, Vermont Take a scenic drive along Route 100, where the rolling hills are ablaze with the fiery hues of fall foliage. Explore the charming streets of Woodstock, where you'll find artisanal shops and cozy cafes. As the sun sets, take a leisurely walk through the 3. Hudson Valley, New York Drive along Route 9W, where the rolling hills are painted in vibrant autumn colors.  Indulge in local apple picking at orchards like Fishkill Farms, enjoying freshly pressed cider while you’re there. Explore historic sites like Kykuit, the Rockefeller estate and Washington Irving's Sunnyside. 4. New York City, New York To kick off a great fall vacation in New York City, stroll through Central Park, where the leaves turn brilliant shades of red and orange. Then head to Greenwich Village and pop into cafes as you wander the charming streets. Don't miss the chance to take a scenic ferry ride to see the Statue of Liberty against the crisp autumn skyline. Warm up in one of the city's world-class museums, like the Metropolitan Museum of Art, The Guggenheim or MoMA. 5. Long Island, New York Long Island has charming towns like Greenport and Southold, perfect for browsing in antique shops and boutiques. Families will enjoy visiting pumpkin patches and apple orchards, and adults will savor local wineries adorned with fall colors. As the sun sets, dine at a waterfront restaurant. 6. Catskill Mountains, New York Drive along Route 28 to see the rolling hills and vibrant foliage create a picturesque fall setting. Explore the hiking trails in the Catskill Forest Preserve, such as Kaaterskill Falls and Overlook Mountain, to witness the fall colors in all their glory. Nearby, small towns like Woodstock and Phoenicia offer a variety of art galleries, cozy cafes and farm-to-table dining.  7. Salem, Massachusetts The rich history of Salem, Massachusetts, comes alive in autumn. Begin your journey with a visit to the Salem Witch Museum to learn about the infamous witch trials. Stroll along the historic streets and visit the House of the Seven Gables, an architectural gem. There are many Halloween festivities — including haunted tours and ghostly reenactments — to enjoy as the sun sets. Immerse yourself in the eerie atmosphere of Salem's candlelit cemeteries and historic sites, making your fall getaway a truly bewitching experience. 8. Boston, Massachusetts Immerse yourself in Boston’s rich history and vibrant autumn ambiance with a stroll through Boston Common and the Public Garden, the first public botanical garden in the country. The leaves transform into a tapestry of reds and yellows — perfect for fall photoshoots. Take a leisurely walk along the Charles River Esplanade to witness the city's skyline ablaze with autumnal colors as the day ends. 9. Chicago, Illinois No trip to Chicago is complete without a visit to Millennium Park, where the Bean and surrounding gardens are adorned with fall colors. Take a scenic stroll along Lake Michigan's shoreline, where the crisp breeze and changing leaves create a serene atmosphere. As evening approaches, the city's skyline lights up along the Chicago Riverwalk, and the city’s legendary jazz clubs come alive.  10. Black Hills, South Dakota Autumn is the perfect time for a scenic drive through the Black Hills National Forest, where the vibrant fall foliage paints the landscape in a mosaic of reds, yellows and oranges. After a hike or two, catch a glimpse of the free-roaming buffalo herds at Custer State Park. End your fall getaway with a visit to Mount Rushmore and Crazy Horse Memorial.  11. Door County, Wisconsin The Door County Coastal Byway showcases the shores of Lake Michigan in gorgeous fall foliage. Hike the trails at Peninsula State Park, taking in breathtaking views from Eagle Bluff. Stop by small villages like Ephraim and Fish Creek for a charming day trip. Visit a local orchard for apple picking to indulge in the seasonal harvest. End the night with a glass of wine and local cheese as a reward for your hard work adventuring. 12. Yellowstone National Park, Wyoming, Idaho and Montana Bask in the geothermal wonders of Old Faithful where steam mingles with crisp fall air. Explore the park's diverse landscapes, from the colorful canyons of Yellowstone to the fiery hues of aspens and willows along the Lamar Valley. Watch for the park's wildlife, including elk and bison. Stop by the thermal pools at the Mammoth Hot Springs, where the fall colors contrast beautifully with the clear water — making it the perfect place to end your day of autumn adventure. 13. Jackson Hole, Wyoming 14. Seattle, Washington A good first stop is Pike Place Market, where you can sip on warm apple cider and explore stalls brimming with seasonal produce and artisanal crafts. After, stroll through the lush Washington Park Arboretum and its Japanese maple grove to witness the trees painted in stunning shades of red and gold. For photo ops, ride the Seattle Great Wheel on the Elliott Bay waterfront, then check out one of the city’s many independent coffee shops.  15. Columbia River Gorge, Oregon Eagle Creek and Multnomah Falls burst with vibrant autumn colors that pop against the lush greenery, making them the perfect fall hiking destinations. Explore the charming towns of Hood River and Cascade Locks, known for their local cideries and wineries. For panoramic views of the Columbia River framed by golden foliage, take a scenic drive along the Historic Columbia River Highway.  16. Portland, Oregon Portland’s unique blend of urban charm and natural beauty makes it one of the best places to visit in the fall. Visit Powell's City of Books, one of the world's largest independent bookstores, then explore the city's lush parks, like Forest Park or Washington Park, where the fall foliage is on full display. As the day winds down, take a leisurely stroll along the waterfront of the Willamette River to see the city’s illuminated bridges.  17. McKenzie River, Oregon Start your journey on the Historic Columbia River Highway, where waterfalls and colorful foliage line your path. To see lava fields framed by golden trees, explore the McKenzie Pass-Santiam Pass Scenic Byway. Along the way, visit charming small towns like Hood River and Sisters, where local harvest festivals and cozy cafes await.  18. Napa Valley, California As the 19. San Francisco, California With a warm cup of coffee in hand, take a walk across the iconic Golden Gate Bridge, where the fog adds an enchanting atmosphere to your journey. Head to Golden Gate Park to witness the trees adorned in fall colors and visit the Japanese Tea Garden for a serene escape. Don't miss a drive down scenic Highway 1 to admire the rugged coastline and colorful autumn hues of nearby vineyards.  20. Redwood National Park, California Few places compare to the splendor of these ancient giants. Explore the park's scenic coastal trails, like the Fern Canyon loop, for a blend of lush greenery and vibrant fall colors along the Pacific coastline. To see some of the tallest trees on earth, visit the Tall Trees Grove. At dusk, witness the park's starry skies, free from light pollution, for a truly mesmerizing experience. 21. Yosemite, California Hike to iconic sites like Yosemite Falls and Half Dome for amazing views of the changing leaves. Now is your chance to capture stunning photographs of the changing leaves reflected in the crystal-clear waters of Mirror Lake. If you’re thinking of camping, plan ahead because reservations are required and sell out quickly. 22. Livermore, California Soak up the region's wine country charm and scenic beauty in Livermore. Savor wine tastings and learn about the winemaking process amidst the gorgeous fall colors. Explore the Livermore Valley Wine Country Trail, taking in the breathtaking views of rolling hills and grapevines. Adventurers can take a hot air balloon ride for a bird's-eye view of the stunning landscape. Savor farm-to-table cuisine at local restaurants and cafes. 23. Mammoth Lakes, California Enjoy California’s crisp autumn weather during a hike along Eastern Sierra trails like the Crystal Lake Trail, where the aspen groves burst with brilliant fall colors. Explore the Mammoth Lakes Basin for sweeping views of the natural landscape. For even better views, take a gondola ride up to the Mammoth Mountain summit for panoramic views of the surrounding peaks, ablaze in autumn hues.  24. Lake Tahoe, California 25. Palm Springs, California Though most think of it as a prime 26. Park City, Utah 27. Ouray, Colorado Hot springs and hikes make Ouray, Colorado, one of the best fall vacations in the U.S. Hike in the nearby San Juan Mountains, where aspen trees blaze with golden foliage. Don't miss a drive on the Million Dollar Highway, known for its dramatic vistas and winding roads. After a day full of adventure, relax in the soothing hot springs Ouray is famous for. 28. Colorado Springs, Colorado Begin your Colorado Springs adventure by exploring nearby trails, like the Manitou Incline or Barr Trail, for scenic hikes amidst the vibrant foliage. Don't miss a ride on the Pikes Peak Cog Railway for panoramic views of the surrounding mountains and valleys dressed in fall colors. Then, stargaze at the Cheyenne Mountain State Park for an amazing celestial experience. 29. Aspen, Colorado Embrace the enchanting beauty of the Rocky Mountains in 30. Vail, Colorado Sitting in the Rocky Mountains, 31. Telluride, Colorado Indulge in the breathtaking autumn beauty of the San Juan Mountains and the charming mountain town of 32. Flagstaff, Arizona Flagstaff is more than a quaint town near the Grand Canyon — it’s the jumping-off point for lots of outdoor adventures. Hiking in the Coconino National Forest is the best way to enjoy the vivid colors of maple trees in fall. Take a scenic drive along the San Francisco Peaks Scenic Byway to see the volcanic peaks and autumn colors amidst breathtaking views. Consider visiting the Lowell Observatory for stargazing under the clear autumn skies.  33. Santa Fe, New Mexico The adobe buildings and vibrant fall colors of the Southwest create a unique atmosphere to explore. Experience the city's renowned art scene with visits to the Georgia O'Keeffe Museum and local galleries. Drive through the Sangre de Cristo Mountains to see golden aspens, and end your day by stargazing under the clear desert skies. 34. Albuquerque, New Mexico Witness the fiery hues of sunrise and fall foliage from above with a hot air balloon ride over the Rio Grande Valley. Explore Old Town Albuquerque, where adobe buildings and artisan shops create a charming atmosphere. And spend a day at Petroglyph National Monument, where you can witness ancient rock carvings. 35. Austin, Texas This capital city is lively year-round, but fall is special. Visit to the Texas State Capitol, where you can learn about the state's history and enjoy the picturesque grounds. In the evening, take a leisurely walk around Lady Bird Lake to watch the sunset over the city skyline. Ride bikes along scenic Barton Creek Greenbelt, where fall foliage lines the trails. And no trip to Austin is complete without checking out a live music performance at venues like the Continental Club.  36. Dallas, Texas Head to the Dallas Arboretum and Botanical Garden, where the foliage is a spectrum of fall colors. Grab your cowboy hat and head to the 24-day State Fair of Texas, a quintessential fall event full of rides,  food and lively entertainment. Nature lovers can enjoy the mild weather with a picnic at White Rock Lake or a hike in the nearby Cedar Ridge Preserve. Don’t miss trying a seasonal craft beer at one of the local breweries.  37. Oklahoma City, Oklahoma The Myriad Botanical Gardens is a feast for the eyes during fall. Or head to the scenic Oklahoma River, where you can take a stroll or rent a kayak or paddleboard for an adventure on the water. Get a taste of local cuisine and enjoy live music in the always-vibrant Bricktown district.  38. Asheville, North Carolina Asheville is a stunning destination, especially in the fall. The city’s charm, abundance of breweries and proximity to nature make it a great 39. Williamsburg, Virginia Step back in time and relish the charms of this historic town. Watch costumed interpreters bring the 18th century to life amidst the backdrop of autumn leaves in Colonial Williamsburg. Explore the Governor's Palace gardens or drive along the Colonial Parkway, which offers picturesque views of the James River and surrounding woodlands. 40. Gatlinburg, Tennessee  Ready to embrace the autumnal splendor of the Smoky Mountains? Begin your day with a drive along the Newfound Gap Road to get a dose of fall colors. Explore Great Smoky Mountains National Park hiking trails, like Alum Cave or Laurel Falls, to bask in the colorful foliage. Visit the quaint shops and restaurants of Gatlinburg– one of the 41. Charleston, South Carolina To have the best fall vacation in Charleston, immerse yourself in the city's historic charm and coastal beauty. Stroll through the historic district, where centuries-old oak trees are adorned with Spanish moss, creating a magical autumn ambiance. Take a boat tour to nearby barrier islands like Morris Island, where you can enjoy serene beaches. Savor local cuisine, like shrimp and grits, at nearby restaurants. Experience the sunset over Charleston Harbor for a perfect ending to your fall getaway. Fall in love with a Pacaso vacation home Does one of these autumn destinations feel like it could become your With a Pacaso home, you just show up, unpack and make memories. We take care of maintenance, bills and management.

Park City may be known for its skiing and fresh powder, but there are many things to do in Park City that go well beyond the slopes. Both the colder and warmer months usher in a range of activities for all ages and interests, making it an excellent choice for any family vacation, any time of year. Things to do in Park City in winter This winter wonderland is a snow lover’s haven, offering endless cold-weather adventures and chances to enjoy the 350 inches of snowfall Park City receives between December and April. Here are some of the best things to do in Park City in winter. Outdoor adventures Things to do with kids in Park City Arts & culture Best places to eat in Park City Relaxation & wellness Things to do in Park City in the summer Summer in Park City is full of culture, events, and stunning mountain scenery. Visitors enjoy pleasant weather and a wide range of outdoor pursuits, making it an excellent time to explore the area. Some of the best things to do in Park City in the summer include: Outdoor adventures Things to do with kids in Park City Culture & events Choosing which things to do in Park City There’s no shortage of things to do in Park City, which makes planning your trip simple and exciting. From snow days and sleigh rides in winter to concerts, hikes, and farmers markets in summer, the town caters to every age and interest. Choose the activities that fit your family’s style, and you’ll create a visit everyone will remember.

Cabo vacation homes for golf & beach lovers Desert meets the Sea of Cortez in a place built for long weekends and unhurried weeks. Cabo vacation homes offer easy access to championship golf, private beach clubs and a warm, dry climate most of the year. For buyers seeking Cabo luxury homes, the draw is clear, from sunrise tee times to afternoons by the water to evenings on breezy terraces. With Pacaso co-ownership, you can enjoy that lifestyle with the ease of professional management and a turnkey home every stay. Where to play golf in Los Cabos Cabo’s golf scene blends dramatic ocean views with thoughtful course design. Quivira is a Jack Nicklaus Signature course known for cliffside holes and sweeping vistas. In the Cabo Del Sol community, the Cove Club course is noted for exceptional ocean exposure that keeps the sea in view for much of the round. Designers from Greg Norman to Tiger Woods have also left their mark across the region, giving golfers variety within a short drive. For easy access to Puerto Los Cabos' golf and marina scene, Planning a sunshine-filled season across warm destinations? Use our guide to Private beach clubs and coastal days Cabo’s private beach clubs anchor relaxed days by the water with shaded cabanas, coastal dining and easy access to protected coves. Within the Cabo Del Sol community, the Cove Club pairs club amenities with a village experience, creating a complete coastal hub for members and residents. Why Cabo vacation homes suit year round living Sun filled days and coastal breezes make Cabo vacation homes ideal across seasons. Many homes in Cabo are designed for indoor and outdoor flow with pools, outdoor kitchens and lounge areas, so hosting friends or unwinding after golf becomes effortless. Pacaso co-ownership adds simplicity by handling the details of care and coordination, so your focus stays on tee times, beach days and time with the people you love. Find your Cabo luxury home base Ready to make Cabo your coastal base? Explore our Cabo vacation homes and listings in

Jackson Hole vacation homes for peak ski season Fresh tracks, first tram, and effortless après can define your winter when you have consistent access to Jackson Hole vacation homes. Jackson Hole, Wyoming is known for luxury mountain homes and demand rises quickly as peak season approaches. Co-ownership with Pacaso helps you secure the experience you want, without managing a whole second home solo. Pacaso streamlines the path to the slopes with co-ownership built for frequent winter stays. You enjoy a designer-furnished home, equitable scheduling, and professional home care, so your energy goes into skiing and time with friends. Curious how modern co-ownership works end to end? Read our primer: How co-ownership secures your winter access Peak season weeks are competitive in Jackson, and Pacaso’s model helps you lock in meaningful time in Jackson Hole vacation homes without overcommitting. Owners share a high-end home and a fair, flexible scheduling system, so you can plan powder trips, holidays, and long weekends with confidence. With operations handled for you, arrivals stay simple and your home is ready for the next lap. Choose your base in Teton Village or in town Jackson offers two compelling setups for luxury mountain living. From your Why Jackson Hole and Pacaso are a strong winter match Jackson Hole vacation homes place you near world-class terrain and a tight-knit mountain culture. Pacaso lets you enjoy that lifestyle at its best, with an ownership model designed for frequent, frictionless use. For skiers who value time and location, co-ownership is a direct path to more days on snow and fewer logistics. Secure your Jackson Hole base for winter Be ready for peak season with a home that aligns to your ski style. Explore current Pacaso listings in

Homes with patios for seasonal entertaining Great gatherings start with the setting. In homes with patios, every season has a signature moment, from golden-hour toasts by the coast to snow-dusted mountain evenings around the fire. Pacaso co-ownership gives you frequent, effortless access to these elevated spaces, so hosting feels relaxed and memorable without the usual second-home workload. Coastal evenings in San Diego San Diego’s bays and beaches set the tone for open-air dining and fireside conversation. Terrace homes here blur indoors and out, so you can serve, mingle and enjoy the water views in one seamless flow. If you are planning a season of relaxed hosting, explore Mountain decks with year-round views in Vail In Vail, homes with a view invite relaxed après on expansive decks. Crisp mornings transition into fireside evenings, and the mountains do the rest. See available homes in Desert evenings on the patio in Palm Springs In the Coachella Valley, clear skies and mountain silhouettes set a striking scene for open-air dinners. Terrace homes frame the Fort Lauderdale w On Florida’s Gold Coast, alfresco hours linger by the water. Homes with patios and canal-side lounges make it easy to move from daytime swims to after-dinner conversation under the palms. See coastal options in Hosting tips for homes with patios A few thoughtful choices turn a beautiful space into a guest-ready destination. Use these ideas to shape flow, comfort and atmosphere across seasons. Make the most of terrace homes with a view Whether you favor bayside decks, alpine porches or city rooftops, the formula is simple. Let the view lead, keep seating flexible and edit details to one or two polished statements. For more ideas specific to Southern California outdoor spaces, see our guide to Why Pacaso co-ownership fits this lifestyle Co-ownership gives you frequent access to extraordinary outdoor spaces without full-time upkeep. Pacaso curates turnkey homes, so you arrive to dialed-in terraces, seasonal essentials and the same high standard every stay. That consistency lets you focus on what matters most: time with your guests in homes with patios, layouts designed for easy flow and homes with a view worth sharing. Ready to host under the open sky Choose your backdrop and start planning your next gathering. Browse coastal decks in

As you bid farewell to the world of work, it’s the perfect time to embrace a diverse range of hobbies and activities that will fill your days with creativity, purpose, and excitement. Whether you’re dreaming of travel, wellness retreats, or time spent at your second home, there are endless ways to enjoy your retirement in comfort and style. Here are 15 unique experiences to inspire you as you explore what to do in retirement and make the most of this next chapter of life. Travel From scenic road trips to vineyard getaways and culinary adventures, retirement lets you travel at your own pace. Here are some of the most enriching travel experiences to consider for this next chapter. 1. Take road trips Pack your bags and hit the open road to enjoy the on-the-go retiree lifestyle. Whether you’re cruising the Pacific Coast Highway in Discover quaint coastal towns, savor local cuisine and make spontaneous stops along the way. Road trips give you the freedom to shape each journey exactly how you want — and if one destination captures your heart, you can explore 2. Go on a cruise  Seize the opportunity to see new sights from the comfort of a cruise ship. The horizon becomes your playground as you immerse yourself in diverse cultures and collect stories from every port of call. The sense of freedom and exploration is palpable, and you can enjoy the camaraderie of fellow travelers you encounter along the way. 3. Get a vacation home  If you’re wondering what to do after retirement, finding your own getaway spot can be the ultimate reward. Owning a vacation home gives you the freedom to spend more time in places you love while enjoying the comforts of home.  With Pacaso, you can make this dream simple and stress-free through Culinary and leisure Savor life’s pleasures while exploring new skills and hobbies. From baking and cooking classes to antiquing and museum visits, retirement gives you the time to indulge your passions and discover new ones. Here are some of the most rewarding ways to enjoy your free time. 4. Go wine tasting With time now on your side, indulge in the nuanced flavors and aromas of wine. Explore vineyards in places like If you find yourself enchanted by wine country, consider getting a second home in 5. Take a cooking class Taking a cooking class is a hands-on way to connect with new cultures and flavors — whether you’re mastering handmade pasta in Many retirees find that cooking becomes both a creative outlet and a social experience, blending travel and learning in the most rewarding way. It’s also a wonderful complement to your travels between homes, especially if you 6. Bake  Indulge your culinary creativity by trying new baking recipes, experimenting with flavors and enjoying the satisfaction of fresh creations coming out of the oven. Baking offers you the opportunity to nourish your loved ones as well as your passion for the culinary arts. Your retirement years can be a time of delectable exploration and culinary satisfaction. If this hobby sticks, you may want to invest in Wellness  Wellness activities help you stay active, energized and centered in retirement. From hiking and biking to yoga and spa retreats, these pursuits support both your physical health and mental well-being. Here are some ideas to help you prioritize your wellness in this next chapter. 7. Try tai chi Discover the graceful art of tai chi, a captivating activity that nurtures both your body and mind. The slow, flowing movements become a dance of balance and harmony, guiding you through a gentle yet invigorating exercise routine. Delve into the intricacies of this ancient practice, mastering its forms and sequences. The mindful focus required by each movement allows you to let go of the stresses of the past and worries about the future. 8. Practice yoga  If you’re searching for physical things to do after retirement, developing a yoga practice improves flexibility and strength while nurturing your overall well-being. In retirement, you can fully immerse yourself in this ancient discipline by attending yoga classes or enjoying a yoga flow in your own 9. Ride bikes  Cycling is one of the most active things to do when you retire. With more time, you can explore some of the country’s most stunning bike trails — from If you’re easing into the sport, consider an e-bike for extra support on longer rides. And when you find a favorite region, Pacaso makes it easy to 10. Start hiking  Hiking is one of the most rewarding retirement ideas, combining exercise, fresh air and time in nature. You can take it at your own pace — from relaxed coastal walks to scenic mountain treks.  Explore the trails of Arts and culture Arts and culture experiences keep your mind engaged and your curiosity alive in retirement. From attending theater performances and exploring museums to antiquing and learning new languages, these activities enrich your life and open doors to new perspectives. Here are some of the most inspiring ways to connect with culture and creativity. 11. Go antiquing Exploring antique stores and markets allows you to immerse yourself in history, uncover unique treasures and connect with the past. You can learn about various eras, styles and collectibles. Embrace the thrill of the hunt as you seek out valuable items and one-of-a-kind design pieces to add to your collection or home decor.  For an unforgettable experience, browse the world-famous antique markets in Paris, like Les Puces de Saint-Ouen, where each booth tells its own story. Whether you’re planning 12. Visit a museum  Visiting museums is a wonderful way to stay curious and inspired in retirement. From the Getty Center in 13. Attend the theater   If you need retirement ideas that blend entertainment, culture and creativity in one experience, why not attend the theater? Live performances spark emotion and connection, whether you’re watching a Broadway show in New York City, a classic production at The Geffen Playhouse in Los Angeles or a seasonal favorite at San Francisco’s Orpheum Theatre. 14. Learn a new instrument  Ready for something challenging and rewarding? Learning an instrument is one of the best activities for retirees because it uses both your mind and body in new ways. Making music can become a gateway of creative exploration that can open the door to other artistic pursuits.  15. Learn a new language  Learning a new language enriches your travels and helps you connect more deeply with local cultures. Whether you’re brushing up on Spanish in Find your retirement vacation home with Pacaso Retirement is the perfect time to carefully consider your lifestyle preferences and envision the ideal living space that suits your needs. Whether it’s a cozy house in the tranquil countryside, a beachfront retreat or a vibrant urban condo, take the time to explore our