Pass-Through Financing: The process where a company takes out mortgages for properties that make up a large housing network. The company takes payments from customers that live in the properties and pays off the mortgages tied to those properties. The company then issues shares of the housing network to the customer based on the fixed costs paid by the customer for their monthly payment. The company acts as a financial mediator between the customer and the lender. The company owns the properties and generates revenue from operating the housing network. The customer earns shares of the network 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 takes out mortgage loans on a wide variety of properties in tons of locations to form a sprawling housing network. The customers in the network occupy a unit and their monthly payment generates shares of the network that they can accrue and store in a transferrable equity account. The customers are free to move into any available unit in the housing network over time.

Transferrable Equity Accounts: The monthly payment a customer makes for a unit they occupy will generate shares of the network as a whole and 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 share exchange that's managed by the network. Shares are limited to a par 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 customer navigates an Occupy/Accrue housing network over time and builds up shares in a Transferrable Equity 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 equity. 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.