90% of Co-Buying Home Deals Fail. Here’s Why

Thinking about buying a house with friends or family? Pause — this could destroy both your relationships and your finances.
In today’s market, co-buying is trending fast. But after 30 years in mortgages, I can tell you the hard truth: 90% of joint purchases end badly — financially, emotionally, or both.

I’m Ella Gurfinkel, Senior Loan Officer with 30 years of experience and over 2,000 families served. In this episode, I break down exactly why co-buying usually fails, when it can work, and what smarter alternatives look like if you can’t afford a home on your own (yet).

💡 You’ll learn:

• 🚩 Why most co-buying arrangements turn into disasters
• 🤝 The difference between co-borrowers and co-signers (and which is riskier)
• 💳 How co-signing can quietly ruin your credit and future buying power
• 🧠 The red flags that scream “don’t do this”
• 🏠 When co-buying can work — and the strict rules it requires
• 🔄 Better alternatives if you’re not ready to buy solo

Whether you’re thinking about buying a duplex with friends, asking parents to co-sign, or pooling money for a down payment — listen before you sign anything.

👉 Ready to talk through your options the smart way?
 📅 Book a free consultation: https://calendly.com/teamella/a-conversation-with-ella-gurfinkel