10,000 Homeowners.
10,000 Family Trees Changed.
Every door we open creates a homeowner. Every homeowner changes a family tree.
Homeowners — Our Goal
Homes Activated (3 CoOwners Each)
Generational Wealth Created
America's Homeownership Gap Is a Wealth Gap
The homeownership crisis in America isn't just about housing — it's about wealth. The Federal Reserve's Survey of Consumer Finances reveals a staggering divide: homeowners hold a median net worth of $396,200, while renters hold just $10,400.
That's a $385,800 gap per family — and it compounds across generations. With 4.92% average annual appreciation over the past 42 years and a 100% cumulative increase in home values from 2014 to 2024, every year a family rents instead of owns is another year of lost wealth.
CoHaven Capital exists to close that gap — not through charity, but through a market-driven model that creates real homeowners with real equity.
Homeowner Median Net Worth
$396,200Renter Median Net Worth
$10,400Wealth multiplier — homeowners vs. renters
Source: Federal Reserve Survey of Consumer Finances (2022); Federal Housing Finance Agency (2024)
ROC CoOwner: Real Ownership, Real Equity
The ROC CoOwner program turns renters into owners through co-ownership of real property. Three buyers purchase a home together as tenants in common. Each holds a recorded deed to their ownership interest. This is real ownership with real equity — not a lease, not a membership, not a promise.
Deed at Closing
A recorded general warranty deed at the closing table. Your name on the deed. Real ownership from day one.
Build Equity Monthly
Every monthly payment builds real equity — unlike rent, which builds a landlord's equity, not yours.
Community by Choice
Shared expenses, lower costs, and a co-ownership agreement. Intentional community, not compromise.
Path to Independence
Refinance, sell your interest at market value, or continue building. Your equity, your choice.
The Four Pillars of ROC CoOwner
Dignity
"You deserve to own. The system made it hard, not you."
Homeownership is not a privilege reserved for the wealthy. Every family deserves the opportunity to build equity and generational wealth through real property ownership.
Math Over Emotion
"$785/mo builds equity vs. $1,400/mo rent builds a landlord's equity."
The numbers tell the story. Co-ownership reduces individual costs while building real equity — a mathematically superior alternative to renting.
Real Ownership
"Recorded deed. Name on deed. Build equity. Sell at market value."
This isn't a lease-to-own scheme or a membership program. ROC CoOwners receive a recorded general warranty deed with real equity that appreciates at market rates.
Community by Choice
"Intentional community, not compromise."
Co-ownership creates communities of people who choose to build together — sharing expenses, reducing costs, and supporting each other's path to financial independence.
Impact Milestones: The Path to 10,000
Every milestone represents families who now own real property, build real equity, and change their family's financial trajectory forever.
| Milestone | Homes | CoOwners | Wealth Impact |
|---|---|---|---|
| First 100 | 34 | 100 families | $38.6M |
| Year 2 | 167 | 500 families | $192.9M |
| Year 5 | 667 | 2,000 families | $771.6M |
| Year 8 | 1,667 | 5,000 families | $1.93B |
| Full Scale | 3,334 | 10,000 families | $3.86B |
Active & Target Markets
Charlotte, NC
Houston, TX
Phoenix, AZ
San Antonio, TX
Whether You Invest Capital, Refer a Future CoOwner, or Share Our Story — You Become Part of the 10,000
Every door we open creates a homeowner. Every homeowner changes a family tree. Be part of building $3.86 billion in generational wealth.