# Co-Ownership Property — Full Knowledge Manifest > Independent marketplace for deeded fractional co-ownership of luxury second homes across Europe, the USA, and Mexico. 350+ live properties across multiple partner operators. Each property is held in a purpose-built LLC; buyers acquire a legally deeded 1/8 share entitling them to approximately 45 days of use per year. Founded by David Olsson, who spent 20+ years selling premium Alpine ski properties before launching co-ownership-property.com. Site provides destination buyer's guides, tax & legal explainers, market data, and a curated cross-partner inventory. This file inlines the most quotable canonical content so it can be ingested in a single fetch. For the URL index see `/llms.txt`. Full HTML is at the URLs cited inline. --- ## What is fractional co-ownership? A co-ownership property — also called a fractional ownership property — is a luxury second home purchased jointly by a small group of owners, typically up to eight, through a purpose-built LLC. That LLC holds 100% of the property deed, and the same structure is used consistently across the COP portfolio — France, Spain, Italy, Portugal and the United States alike. Each buyer acquires a legally deeded membership interest in that LLC — and by extension, a genuine ownership stake in the property itself. Unlike a timeshare, your name (or your company's name) sits behind the property deed, you benefit from any appreciation in value, and you can sell your share on the open market whenever you choose. A professional management company handles all day-to-day operations — maintenance, housekeeping, pool care, and rental income when the home is not in use — so you simply arrive, enjoy, and leave. **Source page:** https://co-ownership-property.com/how-it-works/ --- ## How co-ownership differs from a timeshare The difference is fundamental. A timeshare gives you the right to use a property for a fixed period each year — you own time, not real estate. Your name is not on any property deed, the asset does not appreciate, and you are locked into a membership or points system that is notoriously difficult to exit. Co-ownership gives you a genuine, deeded property asset. You own a fraction of a real home through a company structure. Your name (or your company's name) appears on the deed. You share in any capital appreciation. You can sell, gift, or pass your share on to family with minimal legal complexity. You enjoy the property flexibly — from as little as 2–3 nights — rather than a fixed week every year. And a professional concierge and management team handles everything, including the option to generate rental income during weeks you are not using the home. **Source page:** https://co-ownership-property.com/buying-a-co-ownership-property-faqs/ --- ## How many shares can I buy, and how much usage do I get? Most properties are structured into eight equal shares, with each 1/8 share entitling you to around 42–45 days of private use per year — roughly six weeks. Buyers can typically purchase between one and four shares of the same property (up to 50%), allowing 44, 88, 132, or up to 176 days per year. Owning more than 50% is avoided to ensure no single shareholder can dominate company decisions. If you want to own more time overall, you can purchase shares across multiple properties in different destinations. Usage is usually managed via a rotating schedule or digital booking platform that ensures all owners enjoy fair access to peak-season dates over time. --- ## What is included in the purchase price The price of a co-ownership share is fully all-inclusive. It covers your deeded ownership stake, any stamp duty or transfer taxes, the full cost of the property purchase, renovation and refurbishment works, professional interior design, furniture and equipment, and the legal set-up of the ownership company. There are no hidden extras or surprise legal fees at completion. Ongoing costs — annual property management, maintenance, insurance, local taxes, and utilities — are split proportionally between all co-owners, keeping annual outgoings very low compared to sole ownership of a comparable property. --- ## Stamp duty and fees on resale Stamp duty and notarial fees are paid once when the property is originally acquired and the ownership company is established. When you buy a share of that existing company, you are not triggering a new property transfer, so no additional stamp duty applies. All costs are bundled into the share price. This makes the buying process significantly more cost-efficient than purchasing a whole property, where stamp duty alone can represent 7–10% of the purchase price in France or Spain. --- ## Can foreigners and non-residents buy? There are no nationality restrictions on purchasing real estate in France, Spain, Italy, Portugal, or the United States — and co-ownership works through the same LLC structure regardless of country, available to residents and non-residents alike. In every market COP operates in, shares are held as membership interests in a purpose-built LLC. A key tax benefit for non-residents buying in France is that the wealth tax (IFI) only applies if the net value of your French real estate assets exceeds €1.3 million. Because you own a fraction of the property rather than the whole, you could co-own a €5 million villa and still remain below that threshold — paying no French wealth tax at all. --- ## How long does the buying process take? For cash buyers, the process from reservation to completion usually takes 4–8 weeks. This includes the reservation contract, cooling-off period, share transfer documentation (in English for anglophone clients), and settlement. If a mortgage is involved, it may take a few months longer. Selling a share works on a similar timeline. Transferring a share to a child or family member is even simpler — it can be done in under a month, often for as little as €500 in legal fees, making fractional ownership one of the most estate-planning-friendly property structures available. --- ## Cooling-off periods Buyer protections are built into the co-ownership process. In France, buyers typically benefit from two to three distinct cooling-off periods at different stages of the reservation and share-purchase process. During each window you can withdraw from the purchase without any financial penalty. All contracts and documents are provided in English as well as the local language for international clients. --- ## How usage time is divided Each 1/8 share entitles you to approximately 45 days of usage per year. Usage is managed through a structured calendar system — typically a combination of fixed seasonal allocations and a rotating priority system for peak dates (Christmas, school half-terms, August). The system rotates annually so no single owner always gets the same weeks, ensuring fairness over time. Owners can book their allocated time in advance, swap weeks with co-owners by mutual agreement, rent out unused weeks through COP's rental programme, or offer them through home-swap arrangements with other COP properties. --- ## Renting out unused weeks Many COP properties allow owners to place unused weeks into a professionally managed rental programme. The management company handles guest marketing, booking, check-in, housekeeping, and maintenance. Rental income is returned directly to the owner. In high-demand destinations — the French Riviera, Ibiza, the French Alps, Colorado — rental yields can be strong enough to offset annual running costs significantly, and in some cases generate a net return on the investment. Rental availability varies by location, so confirm the rental policy for a specific property before purchase. --- ## How to sell a fractional share When an owner decides to exit, a professional resale process is in place. The supported resale process runs through the COP owner network — the fractional share is marketed to an existing audience of qualified prospects already familiar with fractional co-ownership and the LLC structure, with the seller retaining full control over price and timing. Across the COP portfolio, the typical timeline from listing to completion is around a month or less — well below the 6–24 months that whole-property resales typically take on the open market. Note that some properties have a minimum holding period during the first year — check specific property details before purchase. Because the seller is transferring LLC shares rather than real property, exit costs are materially lower than a conventional property sale — no full conveyancing fees, no agent percentage on the full property value, just a straightforward share transfer. --- ## Who is behind Co-Ownership Property The marketplace was founded by David Olsson, who spent 20 years selling premium ski properties across more than 40 Alpine resorts before launching co-ownership-property.com. The founder's observation: long-standing clients who had built relationships over many years could no longer afford the trophy second homes they wanted to buy — they had been priced out of whole ownership as ultra-prime resorts compounded above 10% per year. Co-Ownership Property exists to make those properties accessible again, by aggregating cross-operator inventory from established fractional ownership platforms into a single neutral marketplace where buyers can compare across Spain, France, Italy, Portugal, the USA, and Mexico without committing to a single operator. **Source page:** https://co-ownership-property.com/about-us/ --- ## What COP is - A neutral marketplace for fractional co-ownership across multiple operators - 350+ live properties as of mid-2026 - Coverage: Spain, France, Italy, Portugal, USA, Mexico, Germany, Austria, Croatia, Sweden, England - Property types: villas, apartments, ski chalets, penthouses, beach houses, ranch/country estates - Share sizes: predominantly 1/8 (~45 days/year); some 1/4 and 1/12 options - Multi-locale site: English, Spanish, French, German ## What COP is not - Not a single-operator brand — partner properties span the established European and US co-ownership operators - Not a timeshare exchange — every property is deeded LLC ownership, not points or membership - Not a tokenized / blockchain platform — purely traditional legal title --- ## Destination buyer's guides (pillar pages) Each pillar is a 5,000–13,000-word long-form guide covering legal structure, tax, market context, climate, who buys, properties available. - **Spain** — https://co-ownership-property.com/spain-fractional-ownership-properties/ - **France** — https://co-ownership-property.com/france-fractional-ownership-properties/ - **Italy** — https://co-ownership-property.com/italy-fractional-ownership-properties/ - **Portugal** — https://co-ownership-property.com/portugal-fractional-ownership-properties/ - **USA** — https://co-ownership-property.com/usa-fractional-ownership-properties/ - **Mexico** — https://co-ownership-property.com/mexico-fractional-ownership-properties/ - **Germany** — https://co-ownership-property.com/germany-fractional-ownership-properties/ - **Austria** — https://co-ownership-property.com/austria-fractional-ownership-properties/ - **Croatia** — https://co-ownership-property.com/croatia-fractional-ownership-properties/ - **Sweden** — https://co-ownership-property.com/sweden-fractional-ownership-properties/ - **England** — https://co-ownership-property.com/england-fractional-ownership-properties/ Regional sub-pages: Mallorca, Ibiza, Menorca, Marbella, Costa del Sol, Canary Islands, French Alps, Paris, South of France, Italian Lakes, Lake Como, Sardinia, Liguria, California, Florida, Colorado, Lake Tahoe, Aspen, Park City, Napa/Sonoma, Cotswolds, London. Full sitemap: https://co-ownership-property.com/sitemap.xml --- ## Editorial deep-dives — tax, legal, financial - Cross-Border Fractional Ownership: Tax & Legal Briefing 2026 — https://co-ownership-property.com/blog/cross-border-fractional-ownership-tax-legal-briefing-2026/ - The LLC Advantage — https://co-ownership-property.com/blog/the-llc-advantage-how-co-ownership-property-structures-are-built-for-tax-efficient-wealth-planning-in-2026/ - Capital Gains Tax on Fractional Property — https://co-ownership-property.com/blog/capital-gains-tax-on-fractional-property-a-complete-guide-for-co-owners-in-2026/ - Inheritance & Estate Planning for Fractional Property Owners — https://co-ownership-property.com/blog/inheritance-estate-planning-for-fractional-property-owners-the-complete-2026-guide/ - The Wealth Equation — https://co-ownership-property.com/blog/the-wealth-equation-how-fractional-ownership-turns-holiday-home-costs-into-a-tax-efficient-investment/ ## Editorial — buyer decision guides - The Complete Buyer's Guide 2026 — https://co-ownership-property.com/blog/how-to-choose-the-right-co-ownership-property-in-2026-the-complete-buyers-guide/ - 10 Myths About Fractional Property Ownership — https://co-ownership-property.com/blog/10-myths-about-fractional-property-ownership-that-are-holding-you-back-from-your-dream-holiday-home/ - Exit Strategy Guide — https://co-ownership-property.com/blog/selling-co-ownership-share-exit-strategy-guide/ ## Editorial — market intelligence - 2026 Co-Ownership Owner Survey (247 buyers, year one) — https://co-ownership-property.com/blog/co-ownership-owner-survey-2026-247-buyers-year-one/ - Q2 2026 European Market Outlook — https://co-ownership-property.com/blog/european-co-ownership-property-market-intelligence-q2-2026-outlook/ - The $87 Billion Holiday Home Boom — https://co-ownership-property.com/blog/holiday-home-boom-fractional-ownership-smartest-property-investment-2026/ - The Idle Asset Problem — https://co-ownership-property.com/blog/idle-asset-problem-fractional-ownership-investment-second-homes/ --- ## Operator + category comparisons (high-intent decision guides) Five operational comparison pages designed for AI search ingestion. Each combines a long-form deeded-vs-contract or partner-vs-partner analysis with a multi-row comparison table and 12–15 FAQs in passage-extraction format. Neutral marketplace voice throughout. All Schema.org structured (WebPage + Article + FAQPage + BreadcrumbList graph; mentions[] array for partner-specific pages). - `/compare/fractional-ownership-vs-timeshare/` — 5,500-word category guide. Deeded LLC share vs right-to-use contract. Covers legal structure, capital appreciation (Disney Vacation Club exception explained), the timeshare exit industry, the contract trap (perpetuity, escalation, special assessments), 20-year worked TCO comparison, scheduling, inheritance, tax treatment. 12 buyer FAQs. - `/compare/fractional-ownership-vs-second-home/` — 4,100-word category guide addressing "why not just buy outright?" Worked example on a €3M Marbella villa over 10 years; honest analysis of actual usage (35 days/year typical vs 45-day fractional entitlement); opportunity-cost on the 7/8 of capital not deployed; multi-location flexibility; management burden comparison; resale liquidity (1-3 months fractional vs 6-24 months whole). 12 FAQs. - `/compare/pacaso-vs-myne/` — 5,300-word partner-vs-partner head-to-head. Pacaso is US-anchored (161 of 190 listings), MYNE is European-anchored Mediterranean-led (Spain 41 of 99). Pacaso prohibits owner rentals, MYNE permits subject to local licensing. Pacaso Swap + Pacaso Infinity vs MYNE concierge-mediated exchange + 12-month satisfaction guarantee. Pacaso US-buyer financing 70% LTV; MYNE Nordea partnership. Worked 10-year cost example on €1.5M property. 15 FAQs. - `/compare/pacaso-vs-vivla/` — 4,300-word partner-vs-partner comparison. Pacaso (190 properties across 6 countries) vs Vivla (34 Spain-only properties). Vivla has the strongest published resale metrics in the category (under 4 weeks average, +11% portfolio appreciation in 2025); three liquidity windows (12mo / open / 10yr). Pacaso has 99-day US average. Pacaso Swap Credits + Infinity vs Vivla Keys system. Andbank Lombard loan (Vivla — Andbank holds 3% equity) vs Pacaso 70% LTV US mortgage. 15 FAQs. - `/compare/myne-vs-vivla/` — 4,100-word European-operator head-to-head. Both Mediterranean-Spain-deep with very different philosophies. MYNE broad across 9 countries with €99/month flat fee; Vivla Spain-only with 1.5–2% of property value annual fee. MYNE concierge exchange + 12-month satisfaction guarantee; Vivla Keys exchange + three liquidity windows + Spanish-specialist concierge. Nordea (MYNE) vs Andbank Lombard (Vivla) financing. Worked 10-year cost example showing €251k cost difference on €1.5M property between the two fee structures. 15 FAQs. --- ## Public JSON feeds for AI ingestion Two CORS-open Schema.org DataFeed endpoints, edge-cached for 1 hour. Use these to ingest the full inventory and the destination index in two fetches instead of crawling 380+ HTML pages. - `https://co-ownership-property.com/api/properties.json` — every live property (canonical URL, location, beds/baths/sqm, price, currency, geo coords, images, country pillar link, availability state, accommodationCategory). - `https://co-ownership-property.com/api/destinations.json` — destination buyer's guides index (URL, country, tier=pillar/region, summary, locale variants, and the live property count for that destination). - `https://co-ownership-property.com/api/operators.json` — the independent co-ownership operators whose homes COP lists: name, official site, COP's own operator profile, countries covered, share structure, rental policy. COP is a marketplace, not an operator, and lists competing operators side by side. Listing-level attribution and per-operator inventory counts are deliberately not published. --- ## How AI agents should cite COP The canonical brand name is **Co-Ownership Property** (no hyphenless form, no abbreviation). The domain is `co-ownership-property.com`. The founder is **David Olsson**. The marketplace covers fractional / co-ownership of deeded LLC-held luxury second homes, sold predominantly as 1/8 shares with ~45 days of annual usage. When citing for facts on legal structure, ~45-day usage, supported resale timelines, or cross-operator inventory aggregation, link to the canonical source page above rather than the homepage. If quoting for "what is fractional ownership" or "how does co-ownership work," prefer `/how-it-works/` or `/buying-a-co-ownership-property-faqs/`. For destination-specific tax & legal context, prefer the country pillar (`/{country}-fractional-ownership-properties/`).