<p><strong>This episode is sponsored by…</strong></p><p><br></p><p><a href="https://bamcapital.com/rtr/">⁠</a><strong>BLUPRINT HOME LOANS:</strong></p><p>Get pre-approved with one of RTR’s preferred lenders at </p><p><a href="https://bluprinthomeloans.com/renttoretirement/">⁠<u>https://bluprinthomeloans.com/renttoretirement/</u>⁠</a></p><p><br></p><p><strong>BAM Capital:</strong></p><p>Get access to premium real estate assets with BAM Capital. Rent to Retirement’s preferred multifamily partner. <a href="https://bamcapital.com/rtr/"><u>https://bamcapital.com/rtr/</u><br></a></p><p><strong>IGNITE FUNDING:</strong>Earn 10%-12% fixed annual returns backed by real property, without the hassle of owning and managing rentals.</p><p><a href="https://lp.ignitefunding.com/2025/5mis-rtr/signup/?sl=rtr&utm_source=rtr&utm_medium=podcast&utm_content=podcast_1"><strong>https://lp.ignitefunding.com/2025/5mis-rtr/signup/?sl=rtr&amp;utm_source=rtr&amp;utm_medium=podcast&amp;utm_content=podcast_1</strong></a></p><p><br></p><p><strong>Thinking about owning a vacation home…but not using it enough to justify the cost?</strong><br>In this episode, Adam Schroeder sits down with <strong>Tom Mulholland</strong>, Senior Director of Strategic Initiatives at <strong>Pacaso</strong>, to break down the <em>real</em> world of fractional real estate ownership.</p><p>You’ll learn how fractional ownership differs from timeshares, how financing works, why this model is growing fast, and what risks investors should consider before diving in.</p><p>If you&#39;re curious about co-ownership, vacation home investing, Regulation A raises, or the future of fractionalized assets—this episode gives you the full picture.</p><p>⏱️ <strong>Timestamps</strong></p><p>00:00 – Intro with Adam Schroeder<br>00:22 – Meet Tom Mulholland from Pacaso<br>00:56 – Why fractional ownership is solving major vacation-home problems<br>01:49 – Vacant homes &amp; underutilized vacation properties explained<br>03:03 – How Pacaso’s founders built the co-ownership model<br>03:36 – Vacation homes vs timeshares: key differences<br>04:25 – What makes fractional ownership <em>actual asset ownership</em><br>06:50 – Why fractional real estate is rapidly expanding<br>07:55 – The “why” behind investors choosing fractionalization<br>09:07 – Risks, due diligence &amp; dispute systems<br>10:44 – Pacaso’s 17,000-investor Regulation A raise<br>12:50 – Democratizing ownership in private companies<br>14:16 – Luxury home pricing &amp; buyer structure<br>15:52 – How financing works for co-owners<br>17:25 – Why owners <em>cannot</em> short-term rent their shares<br>18:55 – Maintenance, repairs, and responsibility<br>20:08 – How selling your fractional stake works<br>21:47 – Updates, renovations, and owner voting<br>24:02 – Pacaso’s vision for the future of real estate<br>25:25 – How to learn more + RTR closing message</p><p>🔥 <strong>Why This Episode Matters</strong>✔ Learn how fractional ownership REALLY works<br>✔ Understand how Pacaso removes friction around financing, scheduling &amp; maintenance<br>✔ Discover the booming Regulation A model that attracted 17,000+ investors<br>✔ See why luxury vacation homes can now be accessed at a fraction of the cost<br>✔ Learn the dangers, disputes, exit strategies, and protections you MUST know</p><p>🗓️ Schedule a Free Consultation:⁠⁠⁠⁠⁠ <a href="https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbWZKejBFZV9ydU81R2hwWkVoQXRfWVV2eklCQXxBQ3Jtc0trOWxOUlF3TVRQbm1vcVU5d1F2S2xhTDM4cG5DTmUyYXpEcVpmc0RHUGRuU1BPY1hnUklxYXhRMkM2Mnd5N0g1WXVXU3VCeXR0RXJvRnZ1dFlxb0M5VVZYMFZiZGRvbnYtandyVy1TOFR5eWpQSndobw&q=https%3A%2F%2Fbit.ly%2F3EE6KjZ&v=FrWOcZANd70" target="_blank" rel="nofollow">https://bit.ly/3EE6KjZ</a>📺 Subscribe to the YouTube Channel:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠<a href="https://www.youtube.com/channel/UC_h1.." rel="nofollow">https://www.youtube.com/channel/UC_h1..</a>.🎧 Listen to the Rent To Retirement Podcast on the Go:⁠⁠⁠⁠⁠<a href="https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbnhLNUJPVFRaZHRxWDBqXzhrMEFKeEZCOUYxd3xBQ3Jtc0trb3BaSkctUk1uanEyLW12d0d1cFNkRzJvMWxXcG1VNEFJQkVWdWs3N1FYUXpUc1JaQVFuUE02TFMxUFVhck9BcXF2bWFpclc1M2IyVUpkVjJKYXJwalBPZlZzNFN2bE1kMmpXVGFkVVRaX1gzSzR2MA&q=https%3A%2F%2Fpodcasters.spotify.com%2Fpod%2Fsh..&v=FrWOcZANd70" target="_blank" rel="nofollow">https://podcasters.spotify.com/pod/sh..</a>.📬 Join Our Newsletter Email List:Submit your info at the top right corner of the page:⁠⁠⁠⁠⁠<a href="https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbFVFMkhnNHBwQ05DNmg3WjV6TWMwZGlTQThYQXxBQ3Jtc0tsclNGVnRIQnkzODBuYl9Ic19IS1Q3T1ZZXzhuVW9FRjFNazM0VEdmVFAyVHNOV1dxYklDRmY0ZUt2cTNNNk5QN3ptVWxSNHFra3NhMEhnM0RyLUdWR3lkLXVqdGV5cWxkYkpXeTdNdUNENXhPeXNwQQ&q=https%3A%2F%2Frenttoretirement.com%2F&v=FrWOcZANd70" target="_blank" rel="nofollow">https://renttoretirement.com</a>⁠⁠⁠⁠⁠📧 Questions? 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