Fractionalize Your Vacation Property
Unlock equity while keeping a share
Turn your vacation home into a structured co-ownership opportunity. Access your property's equity, reduce your ownership costs, and maintain usage rights—all while Plum handles the complexity.
Why Fractionalize with Plum?
Fractional ownership can yield better results than a traditional sale
Unlock Equity
Sell fractional shares to access your property's equity without giving up full ownership. Keep a share and maintain usage rights while reducing your financial burden.
Built-In Marketplace
Access PlumMarketplace with PlumCertified buyers ready to purchase. Professional property presentation with PlumBinder documents.
Better Than Selling
In many cases, selling fractional shares can yield higher total value than a traditional sale, while allowing you to maintain partial ownership and usage.
Structured & Compliant
Our proven Operating Agreement Blueprint ensures clear ownership structure, fair usage scheduling, and dispute resolution mechanisms.
We Handle Everything
Plum manages all legal structure, LLC creation, Operating Agreements, buyer verification, and ongoing management. You focus on enjoying your share.
Ongoing Management
PlumConnect for communication and scheduling. Optional PlumConcierge for hands-off LLC management, bill payment, and maintenance coordination.
Three Ways to Buy
Choose the path that matches your timeline, flexibility, and preferences.
Buy an Existing Share
Browse PlumMarketplace and purchase a share that's ready now.
Best For
Want to move quickly
Found a property you love
Don't want to wait for group formation
Timeline
Immediate availability
Close in 30-45 days
Join a Group
Connect with others forming to buy a new property together.
Best For
Flexible on specific property
Want vetted co-owners
Enjoy collaborative process
Timeline
2-6 months to form group
Then standard purchase process
Start Your Own Group
Define your vision and recruit co-owners—family, friends, or vetted partners.
Best For
Specific location/property in mind
Want to buy with people you know
Willing to lead the process
Timeline
3-9 months to recruit & close
Depends on group formation speed
Fractional vs. Traditional Sale
Traditional
Sale
Feature
Fractional
with Plum
Keep usage rights
Maintain ownership stake
Access equity
Potential appreciation
Reduce ownership costs
Quick liquidity
Professional management
Structured ownership
Perfect For Property Owners Who...
Want to access equity without selling completely
Still want to use the property but not as frequently
Are paying full ownership costs but only using it part-time
Want to reduce financial burden while maintaining ownership
Are considering selling but hate to lose the property entirely
Have family members who want partial ownership
Want professional management without full responsibility
Plum Handles the Complexity
Fractional ownership involves legal structure, buyer verification, property management, and ongoing coordination. Most property owners don't have time for this—that's where Plum comes in.
LLC creation and property transfer (if needed)
Operating Agreement with our proven OA Blueprint
Fair Use Schedule for equitable usage
PlumCertified buyer verification and vetting
Professional property marketing on PlumMarketplace
Secure document management with PlumBinder
Ongoing management via PlumConnect or PlumConcierge
Calculate Your Potential
See how much equity you could unlock while keeping a share
Shares to Sell
Equity Unlocked
Ownershiop Retained
Estimated Annual Usage
7
$437,500
12.5%
6 weeks
Your Potential Outcome
Co-Owner Stories
"Jenn recruited a group of families we knew from our kids' school. Plum handled all the complexity—the LLC, the agreements, everything. Now we all have a place at the beach and our kids have built incredible memories together."
Jenn & Co-Owners
Beach Group • Entrepreneurial Mom
"Three other families and us partnered to buy our mountain retreat. The Fair Use Schedule keeps everything equitable, PlumConnect makes coordination easy, and PlumConcierge handles all the bills and maintenance. It's been seamless."
The Mathias Family
Mountain Home • 1/4 Share
"We always wanted a beach house but couldn't justify the cost for the amount we'd use it. Fractional ownership through Plum made it possible. Now we have 6 weeks a year at our dream property for a fraction of what full ownership would cost."
The Anderson Family
Oak Island, NC • 1/8 Share
How It Works
Six simple steps to fractionalize your property
1. Get PlumCertified
Complete our verification process to establish credibility with potential buyers.
2. Create LLC Structure
If your property isn't already in an LLC, we help you create one and transfer the property. We'll work with your lender if the property is financed.
3. Develop Operating Agreement
Using Plum's proven OA Blueprint, we create a comprehensive Operating Agreement that defines ownership structure, usage rights, financial responsibilities, and dispute resolution.
4. Set Up Banking & Scheduling
Open a dedicated bank account for the LLC and create a Fair Use Schedule using Plum's scheduling tools to ensure equitable usage for all owners.
5. Create Budget & MIPA
Develop a transparent per-share budget covering monthly expenses and closing costs. Draft the Membership Interest Purchase Agreement (MIPA) for buyers.
6. List on PlumMarketplace
Your property goes live with professional marketing, all documents in PlumBinder, and access to our network of PlumCertified buyers.
Common Questions
What if I have a mortgage?
You'll need to work with your lender to transfer the property to an LLC. Some lenders allow this, others may require refinancing. Plum can guide you through this process and connect you with lenders experienced in fractional ownership.
How do I determine the right number of shares?
It depends on your goals. Fewer shares (4-6) mean higher share prices and more usage time per owner. More shares (8-10) mean lower share prices and faster sales, but less usage time. We'll help you find the right balance.
What are the costs to fractionalize?
Initial costs include PlumCertified verification ($49-$98), LLC creation and Operating Agreement ($449-$999), and Plum's 3% success fee when shares sell. Ongoing costs include PlumConnect ($50/month per share) and optional PlumConcierge ($100/month per share).
How long does it take to sell shares?
It varies by property, location, and pricing. Some properties sell shares within weeks, others take months. Our PlumCertified buyer network and professional marketing help accelerate the process.
Can I sell my remaining share later?
Absolutely. Your share can be sold on PlumMarketplace just like any other share. The existing structure, Operating Agreement, and management platform make resale straightforward.
What happens with property taxes and insurance?
These expenses are shared proportionally by all owners based on their ownership percentage. With PlumConcierge, we handle all bill payments. With PlumConnect only, the member-managed LLC handles these payments.
Do I need a real estate agent?
You can work with an agent if you'd like, or you can list directly on PlumMarketplace. Many agents are learning about fractional ownership as an alternative to traditional sales and can earn commissions on fractional transactions.
Ready to Fractionalize Your Property?
Let's discuss how Plum can help you unlock equity while maintaining ownership
Get Help with
Co-Ownership.
Have questions? Our proficient Plum concierges are ready to assist on your co-ownership journey.