Ownership stake in Tenancy In Common

[Jeff Caldwell]

I am exploring entering into a TIC where one person (me) puts all of the down payment in and the balance of the property financed between myself and my girlfriend at some split.My issue is that I know the down-payment dollars should be weighted more heavily in the ownership stake than the financed dollars, but I don't know to what degree.In other words, if I put 20% down then it would reason that this 20% down should count towards a higher share than 20% of the ownership stake in the property, but I am not sure what a fair factor is…..10% (i.e. 20% down = 22% ownership).20%?30%.Is there a rule of thumb for this or some accepted formula that can be used? Thanks!