{"id":57743,"date":"2019-10-12T01:47:00","date_gmt":"2019-10-12T01:47:00","guid":{"rendered":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/buying-a-home\/investment-property-and-vacation-home\/buying-a-vacation-property-with-your-family-tips-for-multi-generational-harmony\/"},"modified":"2024-06-13T12:03:56","modified_gmt":"2024-06-13T16:03:56","slug":"buying-a-vacation-property-with-your-family-tips-for-multi-generational-harmony","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/buying-a-home\/investment-property-and-vacation-home\/buying-a-vacation-property-with-your-family-tips-for-multi-generational-harmony\/","title":{"rendered":"Buying a Vacation Property with your Family: Tips for Multi-Generational Harmony"},"content":{"rendered":"<div class=\"wp-block-rbc-single-article-header\">\n\t<section class=\"section-grey cover pad-t-hlf\">\n\t\t<div class=\"section-inner w-half w-mob-full centered-margin cover section-grey pad-tb-0\">\n\t\t\t\t\t\t\t<div class=\"inline-block pill-container pill-taxonomies\">\n\t\t\t\t\t<div class=\"mar-b-hlf mob-mar-b snipe pill is-style-blue-pill\">\n\t\t\t\t\t\t<a class=\"primary-taxonomy\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/real-estate\/\">\n\t\t\t\t\t\t\t<span>Real Estate<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<h1 class=\"mar-b-hlf mar-t-0 mob-pad-lr-hlf h2 has-black-color\">Buying a Vacation Property with your Family: Tips for Multi-Generational Harmony<\/h1><p class=\"mar-b-0 mob-pad-lr-hlf author-text\">By Diane Amato<\/p>\t\t\t\t\t<div class=\"featured-image-wrapper pos-rel\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"930\" height=\"620\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Buying_a_Vacation_Property_Thumbnail-default-2.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"A multi-generational family holding hands on a beach\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Buying_a_Vacation_Property_Thumbnail-default-2.jpg 930w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Buying_a_Vacation_Property_Thumbnail-default-2.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Buying_a_Vacation_Property_Thumbnail-default-2.jpg?resize=768,512 768w\" sizes=\"auto, (max-width: 930px) 100vw, 930px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t<\/section>\n\t<div class=\"article mar-t-dbl\">\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner socials-section\">\n\t\t\t\t<div class=\"top-socials-bar mob-mar-b-hlf\">    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=Buying a Vacation Property with your Family: Tips for Multi-Generational Harmony &#038;body=Hi, I thought you might be interested in this article from RBC My Money Matters: https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/buying-a-home\/investment-property-and-vacation-home\/buying-a-vacation-property-with-your-family-tips-for-multi-generational-harmony\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Email        <\/span>\n      <\/a>\n      <div class=\"social-button-wrapper sharing-copy-wrapper\">\n        <button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/buying-a-home\/investment-property-and-vacation-home\/buying-a-vacation-property-with-your-family-tips-for-multi-generational-harmony\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            alt=\"copy icon\">\n          <span id=\"sharing-copyUrl-Label\">\n            Copy URL          <\/span>\n        <\/button>\n        <input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n      <\/div>\n    <\/div>\n  <\/div>\n\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner w-half w-mob-full centered-margin pad-tb-0 mob-mar-t-hlf mob-mar-b\">\n\t\t\t\t<p class=\"cover-pub-line text-xs mar-b-hlf\">Published October 12, 2019 \u2022 4 Min Read<\/p>\t\t\t<\/div>\n\t\t<\/section>\n\t<\/div>\n<\/div>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner w-half w-mob-full\" style=\"border-radius:0x\">\n<p>There are many great reasons to buy a vacation property with your family. Sharing the costs, maintenance and overall responsibility for a home can make it easier to own your perfect U.S. retreat. Plus, it can become the special destination for family events and celebrations for years to come.<\/p>\n\n\n\n<p>At the same time, family-owned property can get tricky if you don&#8217;t set some ground rules from the beginning. Here are some tips to avoid common pitfalls \u2014 and create a harmonious home-sharing situation that even your future great, great-grandkids may enjoy.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">1. Be ready to compromise<\/h2>\n\n\n\n<p>From the location and type of property, to the design and finishes, everyone will have an opinion about what makes an ideal vacation home. Satisfying everyone&#8217;s wish list will be next to impossible, so the key going in has to be compromise. It&#8217;s a good idea for all family members to itemize their top one or two priorities (i.e., your \u201cmust-haves&#8221;) and go from there.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">2. Make it legal<\/h2>\n\n\n\n<p>While you may be envisioning an easy co-ownership situation, as families grow and evolve things may not always be as simple as they are now. Setting up your co-ownership in black and white at the beginning can help you avoid pitfalls later.<\/p>\n\n\n\n<p>There are a few options when it comes to setting up a co-ownership agreement between non-married people, the most common being: Tenancy in Common (TIC) and a Limited Liability Corporation (LLC). An LLC requires a bit more upfront paperwork and cost, but may provide more protection for each owner.<\/p>\n\n\n\n<p>Speak with a lawyer (as a family) to determine which option is best for you. Whichever way you go, think of it like the real estate version of a pre-nuptial agreement \u2014 it&#8217;s there to help things run smoothly, eliminate questions, and fend off potential resentments. Without something official in place, under-discussed issues \u2014 such as who takes care of window-cleaning or who cleans out the gutters \u2014 can quickly turn emotional.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">3. Set a schedule<\/h2>\n\n\n\n<p>Who gets to use the property when may be one of the greatest challenges of co-ownership, and something best planned out in advance. School breaks, holidays and summer vacations will likely be the hot times for everyone, so finding a balance that&#8217;s fair and considerate will go a long way toward keeping the peace. In off-peak times, an online, shared calendar may help family members schedule visits with full transparency.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">4. Assign tasks<\/h2>\n\n\n\n<p>Figuring out logistics goes hand in hand with co-owning a property. Who takes care of paying the mortgage? The homeowners association fees? Who manages the maintenance, pays the bills, and ensures the place is clean? Dividing up and assigning key tasks will help keep your home well-maintained and running smoothly. While you&#8217;re at it, determine how to deal with family members not holding up their side of the agreement.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">5. Agree on an exit strategy<\/h2>\n\n\n\n<p>You may think you want your vacation home to stay in your immediate family for the next few generations, but as life changes and people develop new priorities, this might not be the case. So what happens if someone wants out? Figuring this out before you buy will help everyone involved.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">6. Talk about the tough stuff<\/h2>\n\n\n\n<p>Death and divorce are two realities of family life. So determining what happens if one of the owners dies or splits with their spouse is a critical step to take early on.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">7. Enjoy it!<\/h2>\n\n\n\n<p>There are plenty of potential pitfalls when it comes to co-owning property with family, but there are also wonderful opportunities for family bonding, long-term investment and a place to look forward to visiting throughout the year. While scheduling and maintenance can sometimes become a headache, be sure to make the most of your time away and enjoy your second family home.<\/p>\n\n\n\n<div class=\"wp-block-group block-wpr bg-light-blue rounded-corners pos-rel mob-pad-t pad-t pad-b mob-pad-b pad-l mob-pad-l pad-r mob-pad-r centered-block is-content-justification-center is-nowrap is-layout-flex wp-container-core-group-is-layout-94bc23d7 wp-block-group-is-layout-flex\">\n<h3 class=\"wp-block-heading has-text-align-center mar-b-hlf mob-mar-b-hlf mob-pad-t-hlf\" id=\"h-brought-to-you-by-rbc-banktm-u-s\">Brought to you by RBC Bank<sup>TM<\/sup> U.S.<\/h3>\n\n\n\n<p class=\"has-text-align-center mar-b-hlf mob-mar-b-hlf pad-r mob-pad-r pad-l mob-pad-l\">Helping Canadians buy property in all 50 states <\/p>\n\n\n\n<p class=\"has-text-align-center mar-t-hlf\"><a href=\"https:\/\/www.rbcbank.com\/cross-border\/us-mortgages.html\" target=\"_blank\" rel=\"noreferrer noopener\" data-dig-id=\"LP-CTA-72-b7ecbe10\" data-dig-label=\"Learn More\" data-dig-action=\"link click\" data-dig-category=\"LP-CTA\" class=\"rbc-link-format\">Find Out More<\/a><\/p>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<p>RBC Bank is RBC Bank (Georgia), National Association (\u201cRBC Bank\u201d), a wholly owned U.S. banking subsidiary of Royal Bank of Canada, and is a member of the U.S. Federal Deposit Insurance Corporation (\u201cFDIC\u201d). U.S. deposit accounts are insured by the FDIC up to the maximum amount permissible by law. U.S. banking products and services are offered and provided by RBC Bank. Canadian banking products and services are offered and provided by Royal Bank of Canada. U.S. deposit accounts are not insured by the Canada Deposit Insurance Corporation (\u201cCDIC\u201d). RBC Bank, Equal Housing Lender.<img loading=\"lazy\" decoding=\"async\" width=\"54\" height=\"62\" style=\"vertical-align: middle;margin: 0 2px;width: 30px\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/08\/House_logo-1-180.jpg\" alt=\"equal housing lender\"><\/p>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse834a1009\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse834a1009\" data-dig-id=\"LP-57738-834a1009\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Things our lawyers want you to know\"><span>Things our lawyers want you to know<\/span><span>Things our lawyers want you to know<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse834a1009\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p>This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-4bba112c-8a57-4c6c-8224-82c2840d7118\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<p class=\"has-text-align-center h5 mar-b\"><strong>Share This Article<\/strong><\/p>\n\n\n\n\t\t<div class=\"socials-block\">\n\t\t\t    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=Buying a Vacation Property with your Family: Tips for Multi-Generational Harmony &#038;body=Hi, I thought you might be interested in this article from RBC My Money Matters: https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/buying-a-home\/investment-property-and-vacation-home\/buying-a-vacation-property-with-your-family-tips-for-multi-generational-harmony\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Email        <\/span>\n      <\/a>\n      <div class=\"social-button-wrapper sharing-copy-wrapper\">\n        <button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/buying-a-home\/investment-property-and-vacation-home\/buying-a-vacation-property-with-your-family-tips-for-multi-generational-harmony\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            alt=\"copy icon\">\n          <span id=\"sharing-copyUrl-Label\">\n            Copy URL          <\/span>\n        <\/button>\n        <input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n      <\/div>\n    <\/div>\n  \t\t<\/div>\n\n\t\t\n\n\t\n\t<div class=\"wp-block-tk-spacer id-38c77734-b8ee-43d9-8ddb-4f8238c3df4e\" aria-hidden=\"true\"><\/div>\n\t\n\n\n\t\t\t<div class=\"wp-block-rbc-single-post-topics related-topics-links\">\n\t\t\t\t<p class=\"h5 mar-r-hlf\">Topics:<\/p>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/home-ownership\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Home Ownership<\/a>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/real-estate\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Real Estate<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel mob-pad-t-dbl\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading mar-b mob-mar-b-dbl mar-t-0\" id=\"h-read-this-next\">Read This Next<\/h2>\n\n\n\t\t\t<div class=\"related-posts-type-2\">\n\t\t\t\t<div class=\"related-post-list\">\n\t\t\t\t\t<ul class=\"grid-wpr eh-wpr\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class= 'grid-one-third grid-tb-full grid-mob-full mar-b'>\n\t\t\t\t\t\t\t\t\t\t<article class=\"col-wpr mar-b-0 mar-r-0 mar-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postcard-img-ctr post-card-image col-md-12 col-xs-6 mob-mar-b-0 pad-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/07\/Sep-15_shutterstock_2438592943.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"A hand holds a disc 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href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/economics-101\/understanding-interest-rates\/how-the-fhsa-and-lower-interest-rates-can-help-you-buy-your-first-home\/\" class=\"card-title h4 mar-t-0\">How the FHSA and Lower Interest Rates Can Help You Buy Your First Home<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class= 'grid-one-third grid-tb-full grid-mob-full mar-b'>\n\t\t\t\t\t\t\t\t\t\t<article class=\"col-wpr mar-b-0 mar-r-0 mar-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postcard-img-ctr post-card-image col-md-12 col-xs-6 mob-mar-b-0 pad-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"930\" height=\"620\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Selling_your_US_property_Thumbnail-default.jpg?quality=80&amp;w=930\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Selling_your_US_property_Thumbnail-default.jpg 930w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Selling_your_US_property_Thumbnail-default.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Selling_your_US_property_Thumbnail-default.jpg?resize=768,512 768w\" sizes=\"auto, (max-width: 930px) 100vw, 930px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"card-details mob-mar-b-0 mob-mar-t-0 pad-r-0 col-md-12 col-xs-6\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"primary-taxonomy primary-link\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/travel-and-cross-border\/buying-or-refinancing-a-us-property\/\">\n\t\t\t\t\t\tBuying or Refinancing a US Property\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/travel-and-cross-border\/buying-or-refinancing-a-us-property\/selling-your-u-s-property-5-things-canadians-need-to-know\/\" class=\"card-title h4 mar-t-0\">Selling Your U.S. Property? 6 Things Canadians Need to Know<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n<\/section>\n<style class=\"advgb-styles-renderer\">\n\t\t.wp-block-tk-spacer.id-4bba112c-8a57-4c6c-8224-82c2840d7118 {\n\t\theight: 96px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-4bba112c-8a57-4c6c-8224-82c2840d7118 {\n\t\t\theight: 30px;\n\t\t}\n\t}\t\n\t\t.wp-block-tk-spacer.id-38c77734-b8ee-43d9-8ddb-4f8238c3df4e {\n\t\theight: 60px;\n\t}\n\n\t@media ( max-width: 480px ) 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