0% financing

Frequently asked questions

• Do I really have ownership in the home?

  Yes. Owning a Pacaso is true real estate ownership. You purchase a share in a property-specific LLC. The home is fully managed and designed specifically for co-ownership.

• Is Pacaso a timeshare or fractional company?

  Pacaso helps people buy, own and enjoy a true real estate asset. Most timeshares, in contrast, sell the right to use a fixed amount of time in a condo or hotel shared by dozens of people. These units are notoriously hard to sell due to a supply and demand imbalance. Pacaso brings together a small group of co-owners to purchase a share of a single-family home and enjoy ongoing access. Pacaso handles all management details, provides full transparency on LLC operating expenses, and facilitates a seamless resale on the open market once homes have been fully sold.

• How do I schedule time to enjoy my home?

  You book time using the Pacaso app, powered by our SmartStay™ scheduling system. It’s easy to use and equitable for owners, based on the number of shares you own. The system supports two types of stays: advance and short-notice. Advance stays are scheduled 8 days to 24 months in advance, and each owner has access to an advance stay that falls on a special date (e.g., federal holidays and popular local events). Short-notice stays are booked 2 to 30 days in advance of arrival. (Note: For homes with unsold shares, the short-notice booking window is 2-7 days in advance of arrival.) See additional scheduling FAQs for more details.

• What are my options for financing?

  Buyers can pay cash, take out a personal line of credit, or access conventional financing through our banking partners. For buyers who choose financing, we've negotiated competitive rates and offer multiple financing options for up to 70% of the home purchase. We facilitate the process, so it's faster and simpler than a typical home loan.

• How does ownership transfer work?

  We offer owners a one-time option to transfer ownership to another available Pacaso home that's a better fit (excluding resale listings). There are no fees, and you can start enjoying your new home right away.

• How does Pacaso resale work?

  Any Pacaso owner can choose to sell their ownership interest, at any time.* Each owner has independent control over the sale and price of their share. Pacaso will provide you with a current comparative market analysis (CMA) for your ownership interest, which you can use to help set your price. Pacaso will assist in the sale process by tapping into its existing marketplace of buyers (some homes even have waitlists) and marketing the home on Pacaso and third-party websites. Closing is fast and streamlined.

  *Applies to homes where all ownership interests have been sold. If your Pacaso has available interests, you can sell your unit after 12 months of ownership.

• How does Pacaso compensate real estate agents?

  Pacaso works in collaboration with agents and pays a 3% referral commission.

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