Fractional Real Estate 101: The Future of Vacation Home Investing

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Thinking about owning a vacation home…but not using it enough to justify the cost?
In this episode, Adam Schroeder sits down with Tom Mulholland, Senior Director of Strategic Initiatives at Pacaso, to break down the real world of fractional real estate ownership.
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.
If you're curious about co-ownership, vacation home investing, Regulation A raises, or the future of fractionalized assets—this episode gives you the full picture.

⏱️ Timestamps
00:00 – Intro with Adam Schroeder
00:22 – Meet Tom Mulholland from Pacaso
00:56 – Why fractional ownership is solving major vacation-home problems
01:49 – Vacant homes & underutilized vacation properties explained
03:03 – How Pacaso’s founders built the co-ownership model
03:36 – Vacation homes vs timeshares: key differences
04:25 – What makes fractional ownership actual asset ownership
06:50 – Why fractional real estate is rapidly expanding
07:55 – The “why” behind investors choosing fractionalization
09:07 – Risks, due diligence & dispute systems
10:44 – Pacaso’s 17,000-investor Regulation A raise
12:50 – Democratizing ownership in private companies
14:16 – Luxury home pricing & buyer structure
15:52 – How financing works for co-owners
17:25 – Why owners cannot short-term rent their shares
18:55 – Maintenance, repairs, and responsibility
20:08 – How selling your fractional stake works
21:47 – Updates, renovations, and owner voting
24:02 – Pacaso’s vision for the future of real estate
25:25 – How to learn more + RTR closing message

🔥 Why This Episode Matters

✔ Learn how fractional ownership REALLY works
✔ Understand how Pacaso removes friction around financing, scheduling & maintenance
✔ Discover the booming Regulation A model that attracted 17,000+ investors
✔ See why luxury vacation homes can now be accessed at a fraction of the cost
✔ Learn the dangers, disputes, exit strategies, and protections you MUST know

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