this post was submitted on 14 Apr 2026
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Showerthoughts

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A "Showerthought" is a simple term used to describe the thoughts that pop into your head while you're doing everyday things like taking a shower, driving, or just daydreaming. The most popular seem to be lighthearted clever little truths, hidden in daily life.

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I wonder if it would be feasible to crowd source mortgages. (sh.itjust.works)
submitted 5 days ago by Corkyskog@sh.itjust.works to c/showerthoughts@lemmy.world
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My idea is some non profit gets setup to manage a system where someone announces their mortgage and then they can have friends, family and second and third degree friends and families finance your loan.

Let's say someone buys a $250k house. Each person puts in $100 and then they get a receipt showing they are owed $200 against their 1/2500th share of the mortgage. Repayments are paid the $200 in return in a random time frame of between the first month to the last month 30 years later. Repayment is completely randomized, meaning you could get your money back really soon... Or a really long time from then.

There are a lot of other ways you could build on this idea.

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[–] Canconda@lemmy.ca 1 points 4 days ago* (last edited 4 days ago) (1 children)

Oh I missed the part about $100 buy in. That makes a bit more sense. But where are you getting the cash to pay out the investors? You buy the house and then every 4.4 days you're on the hook to pay out $200 for 30 years. Where is that cash coming from?

[–] Corkyskog@sh.itjust.works 1 points 4 days ago* (last edited 4 days ago)

From their job or the same place they get money to pay a traditional mortgage?

Let's say the borrowed amount is $250,000, so you owe $500,000. That's a 1,400 monthly payment. So 7 people get paid each month, or 84 a year. By the end of the period you have paid out all 2,500 lenders.

(I am using $100 and $200 repayment and $250k to make the math easier and more round. Oddly it is close to current interest rates)