We are offering a 1/8 fractional ownership in this property, a 2
bedroom 2 bath condo with garage community pool and spa in nice area
of Rocky Point. Six full weeks a year.

$14,900 to $19,900 (depending on the unit)
Just 30% down and approx $149 a month plus maintenace fee

What is Fractional Ownership?

What is an Eight-Share Vacation Home?

Many of us have the dream of owning a vacation home on or near a
beautiful beach, and for years, hundreds of U.S. citizens have come
to the beaches of Rocky Point and Baja, Mexico to fulfill that dream.

However, now that dream is becoming more and more costly. Beach
front homes range from the very low end of $200,000 on up to
$500,000, $1,000,000, or even higher, and almost all of these homes
in Mexico are offered at cash only terms.

And even for those who can afford these prices, (in cash) one must
ask; how often can I really make it down to Mexico to enjoy (and
justify) this substantial investment?

Maybe the answer is two weeks a year, maybe it's 4 weeks a year,
whatever the answer, you also must ask yourself some other important
questions. What is a Notario, Fideicomiso, Federal Zone, and how
will I pay the bills, keep an eye on the home, perform regular
maintenance, clean the house, etc. etc.? And will I have the time
and the money for all these responsibilities and still have time to
truly unwind and enjoy the beach? All of these questions should be
answered prior to purchasing a home.

Well, now there is an alternative to sole ownership in Beach-
Vacation homes, and its called an 8-Share Vacation Home.

This is how it works: Each home has 8 owners. Each owner has the use
of the home every 8 weeks for a total of up to 6 weeks a year. And
because the home is closed every year for up to 5 weeks (last week
of July, 4 weeks in August) for maintenance, the calendar
automatically shifts the rotation of owners by a few weeks. This
guarantees that if one owner has Thanksgiving week, for example,
that next year the holiday automatically rotates to another owner
and so on.

If an owner can not use all of their 6 weeks per year, it is their
option to let family or friends use it, or rent it out and keep the

In some locations each owner also receives an owner's storage locker
on the premises in order to keep clothes, personal items, food,
beach toys, etc. etc. on site so as to not have to cart such items
back and forth.

Management services are paid for quarterly, in an all inclusive fee
of $97 (average) per month to be paid quarterly. Depending on he
property purchased, this price varies. Writing a quarterly check is
our owners only commitment to work for beach living! All other
hassles, work and worry are taken care of for them.

So, what is the down side to an 8-Share Vacation Home? There is the
ridged schedule. Every 8 weeks can be over come with a trade with
another owner, or we have people buy 2 shares to be able to come for
longer periods (or more often). But the schedule does let an owner
know what weeks they will have for next year, 5 years from now, or
10 years from now.

Another downside for some is that there are no pets allowed, and no
smoking is allowed inside the home (outside on beautiful beach side
deck is OK). However, this allows us to maintain the home in a
pristine condition from one week to the next, year after year. We
view this as an advantage to the group as a whole.

While some people dream of Paradise, Our 8 Share Vacation Home
owners prefer to own a piece of it!

We truly believe that 8-Share Vacation Home ownership solves the
problems associated with the second home ownership, and allows the
owner years of trouble free pleasure and excitement.

Rocky Point (Puerto Penasco): Fractionals

Are you wondering what fractionals really are, can you buy fractionals in Puerto Penasco (Rocky Point)?

What is fractional ownership:

Fractional ownership has been around since the 80's.  Fractional ownership is not the same as having a time-share.  A time-share owner does not actually purchase title for that real estate.  When you purchase a fractional, you are actually buying the rights to the title for that real estate.  The difference is that you are buying a fraction of the real estate instead of purchasing the entire real estate.  The time-shares purchase the right to block out time in a unit/condo/home.  This is usually a limited amount of time and then you have to deal with renewal fees and charges.  There are no exchange fees or requirements to reserve your unit when you are a fractional owner.

What proves ownership of my property:

A law passed in 1993 that permits foreigners to acquire Mexican coastal property through a bank trust (known in Mexico as a Fideicomiso), which is the legal substitute of Fee Simple Deeded ownership.  As a beneficiary of the trust, you have the right to use, sell, and transfer or will your ownership.  Thousands of Americans have invested millions of dollars in coastal Mexican properties.  Title insurance is available from two of the most reputable title companies in the US, First American Title and Stewart Title.

So why would I purchase a fractional unit:

Fractional Ownership allows you to own a fully furnished, high quality vacation property while spending less money on upkeep, taxes, and the initial purchase price with the concept of paying only for what you use.  Cost of real estate in Rocky Point has increased at a very rapid pace over the last 5 years.  Many of the luxury oceanfront resort condos are just too expensive to purchase the entire unit.  Many owners have recognized the need for less expensive investments and vacation properties.  In doing so, they divided up their unit/condo/home into 4, 8, 12, or any equal portions.  As someone purchases a fractional unit, they become a "partner" in the ownership of that unit/condo/home.  Basically, if I was selling my condo for 400K, I could fraction the condo into 4, 100K owners.  These 4 owners would each own 1/4 of the time.  Most fractional units rotate time between the owners for a calendar year.  Each owner has a full week to themselves and the following year, everyone rotates weeks.  This ensures that everyone is getting the most out of their investment. 

How do I make money on my investment:

A fractional unit is the same as buying real estate.  Instead of buying an entire unit, you have purchased a percentage of that unit.  You can resell your portion of the unit at any time.  As real estate prices grow, so does the price for your fractional.

What are the negatives with fractionals:

A fractional is not the answer for everyone.  There are definitely risks and costs involved with the fractional.  Units/Condos/Homes in Rocky Point need maintenance, HOA fees, and things break.  All of those costs are split amongst all of the fractional owners.  You may see this as a plus because you divide up that cost with all the member, however, it is an added cost that you will have.  Sometimes, you pay a fractional management company to help manage your fractional.  The biggest problem with fractionals is that you normally don't know your partners.  If you get a dead-beat, things could start to go sour.  If someone shows up at the unit when they don't have it reserved and they just refuse to leave.  While all the partners can put together strong operating agreement to protect themselves, you always have that exposure.

Fractional vs Time-Share:

A common misconception when a vacation property is divided such as this, is that fractional ownership is the same as time-share. Remember that with time-shares, you are only buying the right to block out time.  When you purchase a fractional, you have full rights of ownership, including selling to others, leasing, giving it away, and passing it to future generations. Like any other real estate investments, you will experience real estate appreciation over time with your fractional.

The Right Balance of Vacation Time:

Generally, people understand that vacations offer much to their families. Most Rocky Point destinations offer a seaside recreation area with all of the amenities, and a lifetime of memories. For some people, full ownership can turn into more of a burden than a pleasure. In buying a fraction of a vacation get-away, you can balance your actual use of your vacation home with the appropriate cost of ownership and related expenses!

Full Ownership isn't for Everybody:

Unless you are retired and have endless amounts of time, you may not get the most out of full ownership.  The advantages of the fractional come in when you talk about dividing up maintenance costs and HOA fees between owners.  The fractional ownership allows you to enjoy the benefits of an oceanfront vacation without significantly lower costs and lower risks.

The Rapidly Growing Fractional Ownership Market:

The buyer in the fractional real estate market understands these concepts:

  • You pay for what you use
  • Purchase the "BEST" vacation properties available in Rocky Point.     Cost becomes less of a concern with fractionals
  • When the unit is not being used, someone else will be caring for the  unit
  • Pay less money to keep your unit in TIP-TOP shape. 
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    U.S. Phone: 480-228-8536