Tomi

Tomi Welcome to the future of Home (Co)Ownership. Tomi helps people buy, manage, and sell residential real estate together.

07/09/2026

The top 1% now hold 35.4% of all U.S. wealth. The highest share since WWII — and way ahead of every other developed country.

Germany's at 28%. France, 26%. Japan, 25%. The U.K.? 21%. The U.S. isn't just leading this stat, it's not close.

Here's why that matters for you: most of that wealth isn't sitting in paychecks. It's sitting in owned assets — real estate, equity, property that compounds while everyone else pays rent to someone who already got in.

You don't fix that by waiting for a bigger salary. You fix it by getting into the asset column sooner, even if it means splitting the down payment and the mortgage with the right people.
Co-ownership isn't a consolation prize. It's a faster way in.

Save this and send it to someone still waiting to "afford it alone."

03/27/2026

Waiting for the housing market to crash before you buy?
That ship sailed a long time ago.
Price correction isn't the problem anymore — coordination is. The people who could afford to buy together aren't doing it because nobody taught them how to structure it, protect themselves, or even have the conversation.
1.7 million unmarried Americans co-buy every year and most of them are still figuring it out on their own. 📊
The barrier to homeownership in 2026 isn't the market. It's not even the down payment. It's getting the right people aligned, organized, and moving in the same direction at the same time.
That's exactly what Tomi was built for.
Stop waiting for a market that's not coming. Start building with the people already in your life. 🏠
Link in bio.

01/01/2026

How do you own a home with someone you’re not married to?

Before you make — or break — another New Year’s resolution, pause.
In a world that feels more out of control than ever, focus on what you can control.

This New Year, take a moment to reflect on:
• What you’re building
• Who you’re building it with
• Where you want your life to happen

At Tomi, we believe life is about spending meaningful time with meaningful people, in meaningful places — and that includes how you think about homeownership.

In a housing market that feels overwhelming, choosing how you buy a home — and who you buy it with — might be the most important decision you make this year.

🏡 Tomi helps people buy homes together
✨ New year. Real decisions.

A joint mortgage isn’t just for married couples—and it’s more flexible than most people think.In this carousel, we break...
12/26/2025

A joint mortgage isn’t just for married couples—and it’s more flexible than most people think.

In this carousel, we break down 10 interesting things about joint mortgages, including:
• How co-buyers can pool down payments to compete in high-cost cities
• Why borrowers don’t need matching financial profiles
• How payments can be split however the group agrees
• The ability to set exit rules before buying
• Why joint mortgages work across multiple property types
• How combining incomes can increase buying power
• Who you can actually co-borrow with
• Why ownership doesn’t have to be equal
• How someone can be an owner without being on the mortgage
• Why one credit inquiry affects everyone

Joint mortgages can unlock opportunity—but only when the structure is clear and agreed on upfront.

🏡 Tomi helps people buy homes together
🔗 Tools, clarity, and agreements for modern co-ownership

12/25/2025

This Christmas, some gifts last longer than the holidays.

As home prices continue to rise faster than income, more people are choosing shared homeownership — buying a home together instead of waiting to do it alone.

A common question we hear is: how do unmarried people own homes together?

Co-ownership isn’t about cutting corners. It’s about adapting to today’s housing market.

Sometimes the most meaningful gift is a home you build together.

“What is Joint Tenancy — and why does it matter?”It’s one of the most common ways people buy property together.On this r...
12/24/2025

“What is Joint Tenancy — and why does it matter?”
It’s one of the most common ways people buy property together.

On this reel, we break down:
• What Joint Tenancy actually means
• Why ownership shares are typically equal
• How the right of survivorship works
• What happens when one owner passes away
• When Joint Tenancy makes sense — and when it doesn’t

The way you hold title affects everything that comes after.

🏡 Tomi — helping people buy homes together
🔗 Clarity, structure, and smarter co-ownership

12/23/2025

“What is Joint Tenancy — and why does it matter?”
It’s one of the most common ways people buy property together.

On this reel, we break down:
• What Joint Tenancy actually means
• Why ownership shares are typically equal
• How the right of survivorship works
• What happens when one owner passes away
• When Joint Tenancy makes sense — and when it doesn’t

The way you hold title affects everything that comes after.

🏡 Tomi — helping people buy homes together
🔗 Clarity, structure, and smarter co-ownership

12/05/2025

“How do you finance a home with someone you’re not married to?”
There are actually three paths most people don’t realize:

On this reel, we break down:
• Buying outright with pooled cash
• Each person getting separate individual loans
• Getting a joint mortgage together at the bank
• Understanding joint & several liability — if one walks, the other is responsible
• Why co-owners need trust, transparency, and clear agreements before signing anything

Co-ownership is powerful — but only when the structure is solid and the relationship is strong.

🏡 Tomi — helping people buy homes together
🔗 Tools, clarity, and frameworks for shared ownership

12/04/2025

“An LLC partnership treats the property like a company — because legally, it is.”
When a home is owned by an LLC, the ownership rules and responsibilities change.

On this reel, we break down:
• You won’t use a traditional personal mortgage when buying through an LLC
• Ownership is held by the company, not individuals
• Each owner receives their own K-1 tax form for reporting
• More admin + responsibility comes with owning as a collective entity
• LLC structures make the most sense for real estate investors and multi-owner assets

If you’re buying property as partners instead of individuals, this is the framework that applies.

🏡 Tomi — helping people buy homes together
🔗 Tools, tax clarity, and legal structure for shared ownership

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