A plain-language look at Tenancy in Common (TIC) ownership, and why it might be the fastest, most affordable way to own appreciating real estate in Los Angeles.
See If This Fits YouTIC stands for Tenancy in Common. Instead of one person owning an entire building, a small group of buyers each own a defined, deeded share of it, with the exclusive right to live in one specific unit.
Day to day, it looks and feels exactly like owning a condo. You have your own mortgage, your own space, and your own equity building with every payment. The main difference is on the title and the loan, not in how you live.
Four reasons TIC ownership has become a real path to buying in a market that's priced most people out.
Your TIC Agreement is written by and for the owners in your building, not handed down by a generic HOA. You're not beholden to bylaws you had no say in. More freedom to set the rules that actually govern your home.
A small group of lenders in LA offer TIC-specific loans, some with down payments well below the standard 20%.
Most new TIC purchases use individual financing. Your loan is tied to your share alone, not your co-owners' finances.
Your share is yours. You can sell, refinance, or pass it on without needing sign-off from anyone else.
Most buyers stall out on one of three worries. Here's the reality behind each one.
Same lifestyle, different paperwork.
| What You're Buying | TIC | Condo |
|---|---|---|
| Ownership | Deeded share, exclusive use of one unit | Deeded unit + share of common areas |
| Financing | Individual TIC-specific loan | Conventional, FHA, or other standard loan |
| Rules & Control | Set by your TIC Agreement, shaped by the co-owners themselves | Set by HOA bylaws and CC&Rs, standardized building-wide |
| Selling | Sell anytime, buyer interest growing steadily | Sell anytime, long-established buyer base |
No pressure, no jargon. Just a clear next step.
We talk through your budget and must-haves, and whether TIC actually makes sense for you.
We connect you with a lender who actively writes TIC loans, so you know your real number.
We bring you TIC listings that fit and walk you through every step of the offer and close.
