0% financing
Take advantage of 0% financing on select Pacaso homes for a limited time. Gather with your family and make memories without the burden of today’s record-high rates.
THE OFFER
No interest for 3 years
Enjoy interest-free financing for three years. Current financing rates apply after.
7-year terms
Get financing on your second home for up to seven years with our flexible terms.
Eligible homes
Co-own a spectacular vacation home to enjoy with your family — now easier with 0% financing.
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Find your second home
Take the next step in buying a holiday home. Have questions about co-ownership? See a property that caught your eye? We're here to help.
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Frequently asked questions
Do I really have ownership in the home?
Yes. Owning a Pacaso is true real estate ownership. You purchase a share in a property-specific LLC. The home is fully managed and designed specifically for co-ownership.
Is Pacaso a timeshare or fractional company?
Pacaso helps people buy, own and enjoy a true property asset. Most timeshares, in contrast, sell the right to use a fixed amount of time in an apartment building or hotel shared by dozens of people. These units are often hard to sell due to a supply and demand imbalance. Pacaso brings together a small group of co-owners to purchase a share of a single property and have ongoing access. Pacaso handles all management details, provides full transparency on operating expenses, and facilitates a seamless resale on the open market at any point after 12 months of ownership.
How do I schedule time to enjoy my home?
You book time using the Pacaso app, powered by our SmartStay scheduling system. It’s easy to use and fair for owners, based on the number of shares you own. The system supports two types of stays: general and short-notice. General stays are scheduled 8 days to 24 months in advance, and each owner has access to a general stay that falls on a special date (e.g., public holidays and popular local events). Short-notice stays are booked 2 to 7 days in advance of arrival. See additional scheduling FAQs for more details.
What are my options for financing?
Buyers have three options for payment. They can pay with cash or crypto, take out a personal line of credit, or access conventional financing through our partnership with Santander Bank.
How does ownership transfer work?
We offer owners a one-time option to transfer ownership to another available Pacaso home that's a better fit (excluding resale listings). There are no fees, and you can start enjoying your new home right away.
How does Pacaso resale work?
Any Pacaso owner can choose to sell their ownership interest, at any time. Each owner has independent control over the sale and price of their share. Pacaso will provide you with a current comparative market analysis (CMA) for your ownership interest, which you can use to help set your price. Pacaso will assist in the sale process by tapping into its existing marketplace of buyers (some homes even have waitlists) and marketing the home on Pacaso and third-party websites. Completion is fast and streamlined.
How does Pacaso compensate real estate agents?
Pacaso works in collaboration with agents and pays a 4% referral commission.