💸🏡 Meet the vacation homes that pay for themselves (yes, really)

The Big Idea

Most people think owning a vacation home is out of reach. That’s because buying an entire house means paying for a full year of expenses—even though most families only use it for a few weeks a year.

Co-ownership changes that. Families buy only a fraction of a home, paying for the weeks they actually plan to use. Expenses are split among all owners, making the costs much more manageable.

Then comes the game-changer: short-term rentals (STRs). When the house isn’t being used by owners, it can be rented out on platforms like Airbnb or Vrbo. That rental income often covers most—or even all—of the annual expenses.
So instead of just spending money on vacations, you:

• Use the home for your vacation time.

• Rent it out when you’re not there.

• Cover your costs with rental income.

• Build equity as the property value increases.

  
  👉 Want to understand the structure that makes this all possible?
   Learn more about how Plum uses LLCs here.

Real-World Examples

📍 Holden Beach

✅ Result: Rental income covers the $7,800 in annual costs. Owners vacation essentially for free while their $325K share grows in value.

📍 North Topsail

✅ Result: Strong rental demand covers each share’s $7,452 in annual expenses. Owners get 5 weeks of vacation at no cost and build equity in the property.

📍 The Barn – Sevierville, TN

✅ Result: Instead of just breaking even, owners actually make money. With only $40K cash down, rentals cover all expenses and provide positive cash flow—while owners still enjoy Smoky Mountain vacations and grow equity.

Why This Works

- Lower Buy-In → Fractional shares make expensive homes affordable.
- Rental Demand → Popular destinations bring steady rental income.
- Shared Expenses → No one is stuck carrying the entire cost.
- Equity Growth → As property values rise, your share is worth more.

✨ Final Thought

Co-ownership plus short-term rentals doesn’t just make vacation homes more affordable—it can make them self-sustaining. Families get vacations that feel free, extra income potential, and ownership that grows in value over time.

👉 Explore PlumMarketplace 2.0 today to see how your family could turn vacations into an investment that pays for itself.

Featured Property
Holden Beach, North Carolina

Seven bedrooms. Eight and a half baths. One unforgettable Atlantic view.

This isn't just oceanfront—it's everything-front. Step out the door and you're on Holden Beach. Look up from the 35x15 heated pool and you're watching waves roll in. Take the elevator to the top floor and the whole coastline spreads out like your personal postcard.

The owners are ready to share it with other families who'll love those sunrise beach walks and moonlit evening strolls as much as they do.

The setup:

• 8 shares total → 4 still available

• 6 weeks per year per share

• Sleeps 21 across 7 bedrooms (each with ensuite bath)

• Heated pool + hot tub with full outdoor bathroom

• Elevator access to all floors

• Mini-gym and workshop for fitness and maintenance

• Short-term rentals allowed → $210K gross, $106K net operating income

$325,000 per share
Estimated monthly costs: $642
Total cash at closing per share: $345,100

This is vacation home ownership at scale—big enough for multi-generational gatherings, profitable enough to fund itself, and luxurious enough that every week feels like a celebration.

407 Ocean Blvd West, Holden Beach, NC
$2,600,000 target | $349,900/share | $642/mo est. expenses/share | 4 avail. shares

Featured Property
North Topsail Beach, North Carolina

Brand new. Sound views. Intracoastal access. And a pier where the fish actually bite.

Welcome to "Blue Heaven Love & Peace Resort"—a name that tells you everything about the vibe here. This 6-bedroom, 4.5-bath townhouse sits on 2.6 acres with deeded beach access, plus your own observation pier jutting into prime fishing waters.

The setup:

• 10 shares total → 5 still available

• 5 weeks per year per share

• Sleeps comfortably across 6 bedrooms, 4.5 baths

• 2,600+ heated sq ft of coastal living space

• Pool, hot tub, and dock for every kind of water activity

• Professional management with STR projections

• Pet-friendly: Pets allowed

$112,000 per share
Estimated monthly costs: $621
Total cash at closing per share: $94,680

This is turnkey coastal investing—show up for your weeks, collect income from the rest, and let professional management handle everything in between.

2075 New River Inlet Road, North Topsail Beach, NC
$1,120,000 target | $112,000/share | $621/mo est. expenses/share | 5 avail. shares

Featured Property
Sevierville, Tennessee

The Barn. Where Smoky Mountain luxury meets a LOW assumable mortgage rate.

Sometimes the stars align: a stunning mountain property, an indoor pool, and financing that makes co-ownership even more attractive. "The Barn" offers two private king bedrooms with ensuites, plus all the amenities that make Smoky Mountain getaways special.

What makes this different? The LOW mortgage rate means lower monthly costs and higher cash flow potential from rentals.

The setup:

• 10 shares total → 9 shares available

• ~5 weeks per year per share

• Elegant mountain haven with modern amenities

• Indoor pool for year-round enjoyment

• Low assumable mortgage keeps costs low

• Positive cash flow potential from STR income

• Only $40,000 cash down per share (remainder financed)

695 Shell Mountain Road, Sevierville, TN
$1,650,000 target | $165,000/share | $920/mo est. costs/share | 9 available shares