Capital partnership
Earn returns backed by real property, without managing a single tenant
Coliving properties generate 2 to 3 times the revenue of traditional rentals. That cash flow is what secures your lending position and pays your returns: on time, every time.
Lien secured · full transparency
The positionHow lending settles
101Securitylien position
102Returnsfixed, monthly or quarterly
103Terms4–6 mo · 1–5 yr · 5+ yr
104Debt service coverage2.1x
Your capital has better options
Most passive real estate returns fall into one of three traps. Coliving lending avoids all of them.
201Syndications lock you in. 5 to 7 year holds, capital calls, limited transparency, and you're last in line if things go wrong.
202Turnkey landlording isn't passive. Midnight calls, vacancy gaps, deferred maintenance. The "passive" part is a myth.
203Savings accounts lose to inflation. 4 to 5% APY sounds safe until inflation takes 3%. Your real return is barely positive.
Choose your structure
Whether you want fixed returns or equity upside, there is a structure that fits your goals.
Private money lender
Fixed returns
Lend on specific properties with lien security. Fixed returns paid on a schedule, with the full AI analysis in your hands before you commit a dollar.
- Fixed returns, paid monthly or quarterly
- Lien position on the property
- Terms: 4 to 6 months, 1 to 5 years, or 5+ years
- No points or origination fees
- Full AI analysis before you commit
- Exit via DSCR refinance, sale, or replacement lender
Equity partner
Equity partnership
Own a stake in the property. Earn ongoing cash flow, appreciation, and significant tax benefits through accelerated depreciation. Capital returned via refinance, then long-term passive income.
- Ownership stake
- Share of net cash flow, ongoing
- Capital return via cash-out refi, sale, or replacement partner
- Share of appreciation on exit
- Tax benefits with accelerated depreciation
What a real deal looks like
Every deal includes the full AI-powered analysis before you commit a single dollar: zoning verification, market comparables, renovation scope, and cash flow projections from 6+ data sources. We don't guess. We verify.
Numbers are representative of actual deal structures. Every deal is AI-analyzed and shared in full before you fund.
Sample deal5 BR / 3 BA · Hickory, NC
301Purchase price$185,000
302Renovation$45,000
303Total investment$230,000
304Your lending position$180,000
305Monthly revenue, coliving$4,250
306Term6 months
307Your return (PML)fixed, paid monthly or quarterly
Cash flow covers your payment 2.1 times2.1x
Four layers of protection
401Lien position. Your capital is secured by the property itself, in first or second position.
402AI-powered underwriting. Zoning verification, market comparables, renovation scope, and cash flow projections from 6+ data sources.
403The 2 to 3x revenue advantage. 2.1x debt service coverage means the cash flow covers your payment twice over.
404Full transparency before you fund. No black box. No surprises. No hidden fees.
25+ years of systems and analytics. Real estate since 2019.
David Ross spent 25+ years in systems development, analytics, and strategic leadership at Wells Fargo, GE Plastics, Delhaize America, and Volex before launching coliving operations in 2019. Community Coliving Properties has documented systems, AI-powered analysis tools, and 32 coliving bedrooms owned and operated. The model has demonstrated 95% occupancy and two-year average stays.
"We only make money when you make money. Every deal is structured so our interests are aligned. That's not a tagline, it's the business model."
David Ross, Founder and CEO
- 25+
- years professional experience
- 2019
- operating coliving since
- 95%
- model occupancy
- 2 yr
- average resident stay
Questions investors ask
What's the minimum investment?
PML lending positions typically range from $100K to $180K per single-family deal. Multifamily and portfolio deals are higher. Equity partnerships vary by project.
How do I get my money back?
Target timeframes are 4 to 6 months, 1 to 5 years, and 5+ years. PML positions are repaid when the property refinances into a DSCR loan, is sold, or we replace your position with another lender.
What if the property doesn't perform?
The 2.1x debt service coverage means the property generates more than double what's needed to cover your payment. David provides a personal guarantee on PML positions.
How is this different from a real estate syndication?
Syndications pool your money with dozens of investors and lock you in for 5 to 7 years. Here you hold a position on a specific property, and you see every dollar, every month, including receipts.
Can I reinvest after the first deal?
Absolutely. When your PML loan is repaid, you can roll that capital into the next deal in our pipeline.
Ready to put your capital to work?
No pitch, no pressure. A 30-minute conversation about your goals, and whether there's a deal that fits.
Request received. We'll reach out within 48 hours to
schedule a conversation about your investment goals. Rather talk now?
Book a call with David.