HBU is a free service and the new way people confidently co-buy real estate, to live-in, or as a rental property. You can buy with a friend, family member, love interest or even find a verified member of our HBU community to join you. We provide guidance including equity sharing agreements, exit strategies, and more. Register today and join our forum to share your story.

HBU Process

Step #1 - Register

Register for free

Step #2 - Get Verified

Get background checks

Step #3 Get prequalified

Determine buying power

Step #4 Get your agent

Talk to an HBU Agent

Step #5 Co-Buyer Agreement

Co-Buyer protection

Example HBU Deal

Townhomes, 4 plex, Springs, CO $750k asking price • Negotiate down to $700,000. • Option 1, have 2 people split this, would need $70k each, live in one unit each and still have 2 units to rent. • Use the other 2 as short-term rentals to completely pay their mortgage and have no payment. • Option 2- remodel and furnish each unit and use as short term rental. Cash flow between $2,000 and $3,000 per month per person.

This examples is for illustration purposes only and is a generalized approximation. Each borrower’s ability, credit factors, and income are unique scenarios and must be considered prior to qualification and cash requirements for purchase.

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You can join the HBU community for free by simply completing the registration process and developing an HBU profile. We encourage you to bring your own partner and allow us to provide the process to protect your mutual interest.  Next you will want to get a background verification and have your partner get their background verified as well. Finally,  we recommend all co-buyers complete a co-buyer agreement.  

  • Free membership
  • Access to lenders and real estate agents
  • Background checks
  • Expert advice to avoid default
  • Co-Buyer equity agreements
  • Lower down payments
  • Credit repair referral resources
  • No sensitive data storage
  • Stronger market position

Absolutely! We encourage families, friends and acquaintances to join together to participate in the background vetting process. We also provide access to  lenders through our network. We understand it can be awkward to ask people you know to undergo important background checks without possibly placing the relationship in an uncomfortable position, so we are here to help you with that important step.
Our  goal for our HBU membership is to do all we can on the front-end to set in place every provision we can to help prepare for challenges and if needed exit strategies. The buying partners will also  have access to expert advice to avoid default by way of a co-buyer agreement that will spell out the intentions and responsibilities as well as ownership share for each party. We recommend this document be reviewed by the buyers attorneys. 
Buying investment property and renting it out or flipping the property is a goal for many, but getting started can be difficult for one buyer on their own but two motivated and vetted members can do it. Our real estate agents can guide you through the process. 
If you need to work on your credit or create a good credit history you are not alone. In fact, according to Credit.com, "Only a small sliver of people have absolutely terrible credit scores, but plain-old bad credit? That’s a lot more common. Nearly a third of Americans have a credit score lower than 601 — the distinction between bad and fair credit — according to credit bureau Experian." Never fear we can help. Once you are a member we can recommend a resource to help you over time use strategies to build good credit. 
The length of your partnership is up to you. If you and your partner can agree to whatever time period works best for your partnership goals. 

THE TEAM – Over 100 years of experience

The Founder & CEO: Leena Bella Mayo is a seasoned business executive with a business school education with more than 15 years of experience as a chief of marketing and consultant with great brands including Western Union, First Data, Apple, GE, and more.
Principal Business Advisor: John Kaufman, Real Estate Investor, Businessman, Technology and Startup Mentor.
Mortgage Lending: Bob Kopf, has more than 30 years of professional business development and lending expertise as well as experience lending to co-buyers.
Real Estate : Forrest Wade is a real estate broker and experienced expert in the areas of co-buying for primary residence and investment purchases.

We encourage your support and welcome your ideas.  We also welcome your shares, likes and subscribes with our social media!

Please also feel free to contact us and we will be happy to provide you with logos, key messaging and materials for your use.

Check Your Readiness

Let's get moving on building your wealth instead of someone else's! 





We are a proud member of the sharing economy, which has grown rapidly and now has Uber, Lyft and Airbnb brands collectively valued at over $100 billion.

Since 2011 home prices have increased a cumulative 48%, and income only 15%, which means it is even more difficult to buy real estate than ever before. And, the challenge HBU is solving is the cost to enter the investment property market , which can be out of reach for one person but two or more make this a much more attractive option.

Our platform helps connect home buyers and property investors to expand their resources. We provide background checks, co-buyer agreements with expert advice to avoid default and match members based upon their profile requirements. HBU also includes recommended resources for credit repair, lenders, agents and more.


The HBU Founder, Leena Bella Mayo is a Colorado Native who was a teenage single mother and marketing consultant with executive experience with the fortune 500. As a young woman, Bella began to see the different lifestyles of those family and friends who had purchased their own homes and those who rented. HBU was inspired by the countless hard-working Americans who want to buy an investment property or even a primary residence, and who need support to overcome the challenges of cost, inventory and down payment. We help buyers extend their resources and make their lives richer and more affordable through co-buying property. And we are determined to give back.

Leadership team 

HBU Gives

Credit Repair Resources

Credit Repair - DIY

Credit repair is no easy task. Not ready for a legal firm to hammer down the issues for you? Try the DIY approach with lots of guidance .

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Credit Repair - Law Firm

When you want a serious support network - there is the Lexington Law Firm. They are not cheap and they will take a few months but they will move you along your path to a better credit position.

Learn More

Credit Repair.com

Get the credit you desire. Here are some choices for professional help to get you on your way to great credit.

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Why do some people have more - it is all about choices!

Citing research from the Federal Reserve, primary residences accounted for about one-quarter of Americans’ overall wealth in 2016, more than any other financial asset. Besides creating wealth, owning a home allows for amassing equity, with Americans having a record-high $14.4 trillion in equity as of the last quarter of 2017.

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