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My Sister Wants To Buy Into My $314k House Over Time. How Do We Make The Math Fair?

Location: Florida

I’m buying a $314,000 house in Florida and paying the entire down payment and closing costs myself. Depending on the final loan terms, I’ll put down either 20% ($62,800) or 25% ($78,500). My sister isn’t contributing anything upfront, but she wants to live there and buy a 10% or 20% ownership share through monthly payments.

I plan to live in the house for five years at most, then move out and rent it to tenants. Assuming the total monthly housing payment is around $2700-$3000, is five years enough time for her to buy a meaningful share?

What makes the math confusing to me is that the house’s value could change during those five years. If it goes up, should her share be based on today’s $314,000 price or what the house is worth when she finishes paying? What if its value goes down? And how do we separate what she pays for living there from what she pays to buy equity, while accounting for the down payment and closing costs I covered?

Taking the family relationship out of it, is there a fair way to structure this at all? I’d want the terms in writing before she starts paying, including what happens to her share and any rental income after we move out.

EDIT / UPDATE : i will be sending this link to my sister so she can see this post. I feel it will be helpful / crucial for her to read and fully understand as well as it will be useful for me.

submitted by /u/Dry_Abalone_4433
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My Sister Wants To Buy Into My $314k House Over Time. How Do We Make The Math Fair?

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