> For example, if you retain 60% ownership and the home has gone up $500k in appreciation, when you sell again, you will receive another $300,000 — that's prof

> For example, if you retain 60% ownership and the home has gone up $500k in appreciation, when you sell again, you will receive another $300,000 — that's profit that was never possible before Bonus™. True, assuming that the house went up in value. Meanwhile, to be clear, you do not "own" the home. You own a share of the equity in it, but you don't live there anymore, they are renting it out. So your gamble is that the value you left behind in the house and did not need for your new place is better invested in the home over the 4-year span than something else. In some markets, if the seller is downsizing or moving to a less-expensive area, the tax treatment of housing may make this a good bet.