How it Works

Plum simplifies vacation home co-ownership to help you every step of the way.

Start or join a Plum group

A Plum is a proposal to co-own a vacation home with others. Find the Plum that meets your needs or start your own! To enable trust and begin engaging with other co-buyers, we have a simple process to become PlumCertified.

Create the terms of ownership

Once the group is complete, members will finalize the terms of ownership.

Terms include the group policy towards pets, firearms, guests, renting the property, as well as the length of ownership.

Form the LLC

Plum will help you form the LLC to purchase a vacation home.

An LLC helps protect everyone involved and simplify the process of banking, taxes, and accounting.

Open joint bank account and place your deposit

A small deposit guarantees your spot in the group and helps pay for incidental expenses such as the home inspection.

Connect with a PlumCertified Real Estate Agent

We will help you find an experienced realtor in your location who understands how to serve your group of decision-makers.

Buy your dream vacation home

After closing, the Plum platform will help you manage vacation schedules, home maintenance, and more.

Fractional ownership calculator per share details example

Calculate your share

Your vacation home can be a reality for a fraction of the cost and risk.


What’s the easiest way to get started?

Plum makes it easy to form your group, get your ducks in a row, and then engage a real estate agent.  Your first step is to engage us to help you craft a Plum based on your budget, and then share it with people with whom you’d like to buy a home!

Is Plum a timeshare or something like Pacaso?

With a timeshare, you are simply buying “time”. With Plum CoOwnership, you are efficiently buying a fraction or share of a complete vacation home and your usage and equity is equal to your share percentage. Of course, your share price can vary based on the property sale price and number of co-owners. Regardless, this type of investment asset is likely to increase in value over time versus a timeshare which depreciates over time.

Timeshares are usually condos at a vacation resort, whereas you can co-own a home in any neighborhood in a vacation destination. Typically, timeshares offer limited flexibility with your designated vacation period. Plum CoOwnership, on the other hand, offers greater flexibility in scheduling your vacation. Moreover, you are not allowed to rent or Airbnb your timeshare. With Plum, the co-buyers or group has the option to rent and makes that determination, subject to local rules and regulations.

Pacaso is an established leader in ultra-luxury property co-ownership. Plum does not own properties but offers access to available vacation properties and other co-buyers through a shared technology platform, while Pacaso only offers access to their properties from their robust acquired real estate portfolio. High net-worth individuals compete for select Pacaso homes vs. Plum’s mass affluent customers that have access to properties anywhere.

Learn more with our fractional ownership comparison of timeshares, Pacaso and Plum.

Are the other owners vetted?

Plum provides a background check, a credit check, and a budget check to ensure that all parties will be good co-owners, also known as PlumCertified.  The results are confidential to the buyer who is being vetted, and, in the event that there is a red flag, the vetted buyer has the opportunity to simply and elegantly remove themselves from the process.

Co-owner Stories

Three Plum clients share their experiences with co-ownership, and how Plum helped make it possible.

Entrepreneurial Mom

Recruits Beach Group

Jenn wanted a beach home,
so she recruited a group of
co-owners to buy one.

Friends Form Group to

Buy Mountain Home

The Mathiases partnered with
3 other families to co-own the
mountain home of their dreams.

Sibling Harmony in

Inherited Lake Home

Katy and her siblings inherited
a lake home and turned to
Plum to make co-ownership easy

Learn about Co-ownership

Download the Definitive Guide to Vacation Co-ownership

We’ve invested hundreds of hours in interviews and direct client engagements with co-owners.  We’ve compiled the best of what we’ve learned into this 12 page guide, and are happy to share lessons learned.  Enjoy! 


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