Founder & Portfolio Manager, EasyDwell
Raphael Locsin
Architect of structured co-ownership in residential real estate — contract income from owner-occupied homes, paid by families who can make the payment but cannot get the mortgage.
Featured work
Tools and research for operators, allocators, and anyone evaluating structured co-ownership as an asset class.
Buy Box Calculator
Hard money in, resident-buyer at closing, DSCR refinance out. Solve for the most you can pay so the refinance returns every dollar of fund cash and still leaves your target cash flow.
Launch calculator → White paper · Sept 2026Structured Co-Ownership in Residential Real Estate
Definition, taxonomy, and a twelve-metric performance standard — tested against EasyDwell’s 63-home, 36-month Florida record through the state’s 2024–26 correction.
Read summary & PDF →At a glance
EasyDwell co-owns homes with Florida families locked out of traditional mortgages. The investor and the resident hold recorded ownership interests from day one; the resident’s fixed monthly payment retires the investor’s interest on a stated schedule. About 90% of the return is contractual.
Figures from Structured Co-Ownership in Residential Real Estate (Locsin, 2026), EasyDwell Research v2026.09. Not an offer to sell securities.