Nestment is completely free to use from start to finish! We do offer a paid tier, Nestment Key, that comes with financial benefits, 1:1 concierge level support, and access to education programs. Working with a lender and agent we introduce you to is completely free.
Nestment makes money a few ways; Nestment Key subscriptions, we also split the agent commission when you close, and we have education programs sponsored by other companies and organizations like lenders.
We work in all 50 states! We even work with buyers in Canada.
While we match you with real estate agents, we are not agents ourselves. Nestment is on the side of you (the buyer). We are your advocate and coach and prioritize your interests and goals first.
Nestment is not a lender, but we give Nestment buyers access to the same great lenders we personally use to buy our own homes. Our lenders focus on education and showing you what is possible.
Nestment is still for you! Your Nestment coach can help evaluate different homebuying strategies and lending options you might not even know about.
Totally fine! We work with buyers with all different timelines or no timelines. We go at your pace.
As much or as little as you’d like. We try to keep coach’s 30 min - 60 min sessions for buyer planning and strategy, and 15 min sessions for checkins.
Your homebuying coach will match you with a lender and agent. Don’t worry, if you don’t vibe with either of them, your Nestment coach will handle the breakup and match you with new ones.
No, but most buyers choose to. Our vetted network is built to save you time and frustration. They already know how Nestment’s process works and use our playbook to get you home. If you already have someone you trust, we’ll happily coordinate with them too, however, you may not have access to all Nestment perks.
Additionally, if you don’t vibe with the lender or agent your Nestment coach matches you with, you can ask for a different one. Your coach will handle the breakup ;)
Yes, but the kind that actually helps you. Your coach is the real MVP.Our proprietary AI helps your coach find the best first-time buyer grants, loan programs, ideal listings for your situation, and keep you on track.
Not at all. We started by helping co-buyers because it was a way to make homeownership more accessible. But very quickly, we realized the bigger truth: all first-time buyers need an advocate. The process is confusing, overwhelming, and full of hidden pitfalls for anyone buying their first home. Whether your goal is purchasing a single-family home, exploring house hacking like rentvesting, buying a primary multi-family home, buying a second home as your first purchase, or co-buying, Nestment helps you navigate it all with a real coach by your side.
Home Affordability Calculations
These calculations utilize the Fannie Mae multifamily home loan program to put a 5% down payment for a 30 year fixed mortgage at a 6.5% interest rate (rates subject to market conditions) on a triplex property.
Home Price
The total down payment available is calculated by multiplying the down payment amount by the total number of co-buyers in the group. The home price is then calculated by dividing the total down payment amount by 0.05 to simulate a 5% down payment. If the amount is greater than the max triplex loan limit of $1,033,000 then that limit amount is used. Higher loan limits do exist for quadplexes.
Equity Growth
The equity growth is calculated by dividing the pro rata projected equity value in the home in 5 years by each member’s down payment amount. The projected 5 year equity value factors in the home locality’s forecasted appreciation along with the principal contribution portion of each monthly mortgage payment. The return is significantly higher than the projected appreciation of the home because it is calculated relative to the down payment amount, which makes for a more accurate measure of return on initial investment.
Monthly Cost
The monthly cost is calculated by subtracting the monthly mortgage amount from the city's projected median rent for a 3 bed unit, and dividing by the group size. This assumes one unit is occupied by the buyer and the remainder are rented out.
For further customizations or personalization, please book a free call with a Nestment team member.
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