THE PITCH We're creating housing where your monthly payments don't just disappear—they become savings you actually own. It's like renting, except a big chunk of what you pay each month goes into your personal account as real money you can cash out later. You're building wealth while you live, instead of building nothing like traditional rent.

Pass-Through Financing: The process where a holding company takes out mortgages for properties that make up a large housing network. The holding company takes payments from a housing cooperative that has leased the same units to cooperative members. The payments are used to pay off the mortgages tied to those properties. The housing cooperative then issues occupancy shares to the member based on the fixed costs paid by the customer for their monthly payment. The holding company acts as a financial mediator between the member and the lender. The holding company owns the properties and generates revenue from operating the housing network. The cooperative members earn occupancy shares over time in a true symbiotic relationship.

Occupy/Accrue Cooperative Networks: a version of a zero equity housing cooperative where there are no share loans. The Cooperative signs long term leases with a holding company on a wide variety of properties in tons of locations to form a sprawling housing network. The members in the cooperative network occupy a unit and their monthly payment generates occupancy shares that they can accrue and store in a transferrable savings account. The members are free to move into any available unit in the housing network over time.

Occupancy Share Accounts: Occupancy Shares are membership capital shares in the housing cooperative. They represent your capital contribution to the cooperative and your proportional ownership interest in the cooperative association itself. Upon departure, the cooperative redeems your shares for cash. With every monthly payment a cooperative member makes for a unit they occupy they will generate occupancy shares but the shares do not represent shares of a singular unit. Shares are stored in a personal account that can follow the customer as they move into various units of the network. Shares can be bought/sold on the internal closed loop share exchange that's set up by the cooperative. Shares are capped at a value of $1. Shares can be sold for less than a dollar if you choose but never sold for more than a dollar. A share bought for $1 should ideally be sold for $1. The shares of the network are zero equity and do not appreciate over time. Accounts can be pooled together with partners/family/friends/co-workers to help pay for the occupancy of a unit. Accounts can be started/stopped/resumed over time.

Pathing: When a cooperative member navigates an Occupy/Accrue housing network over time and builds up shares in a Occupancy Share Account. Slowly but surely building up shares in their account that will hopefully lead to saving up for a down payment on a home or buying a home outright once they sell their shares and exit the network. They can also decide stay in the network as long as they want. Everyone should be able to build some form of savings from their housing payment. A step stone path to homeownership where folks build up their accounts over time and work their way towards greater financial health is the goal.