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The idea, from Minneapolis- based Vibrant founder Roxanne Cornell, is this: Buy a house and lease it to four women, age 55 and older. The tenants she’s looking for are characterized as active, single women who no longer want to live alone, looking to downsize, and who don’t want to live on a senior living campus that can have up to 100 units.

 The concept worked great for “The Golden Girls”, which ran for seven seasons on NBC and picked up a bunch of Emmys along the way. The shared-house model is also common among young adults, with the increase in life expectancy and the rising costs of retirement home living the time is right to try and hit the baby boomer crowd. 

The benefits of home sharing 

This concept has also been proven to work in Canada. At the present time there is the real-life story of the “Golden Girls” concept living and sharing a home in Port Perry, Ontario (described in the attached article).

October 22, 2016 Bonnie Moore founder of the Golden Girls and how to start a Golden Girls home wrote and article in New York Times, The Huffington Post why you should consider a Golden Girls life style. In it she indicated with housing costs high and feelings of loneliness when the children have grown and the spouse is no longer around, older adults are looking for answers. Today the shared living movement is being embraced across the country as an exciting, ageing in place option for baby boomers. The article also claims, in the United States demographic data indicated that in the wake of recession shared living for mature adults is on the rise. In 2013 there were more that a million house holds where single people shared housing with non-relatives. Whether choosing shared living to off set costs of maintaining a home independently, companionship, security, or someone to help around the house, shared living makes it easier for baby boomers to age in place. Room mates point out to the trend as being one of the best, unexpected elements of the retired life. From holidays to everyday life companionship provide real benefits. 

Karen Hardy in her October 6, 2017 article stated that women over 55 are the fastest growing sector of homelessness community. 






Currently senior living providers of continuing care retirement living communities only serve between 2 and 7% of the age/and income eligible target market. According to AARPS 2011 boomer housing study nearly 84% of those surveyed expressed strong preference to stay in the places and communities they have called home. 

Retirement home affordability, we have attached an article describing the cost of housing across Canada. The average cost of senior living in Ontario was $3204.00 per month in 2013. Many of the seniors pay using income savings, home equity after selling their homes, selling life insurance policies or asked their family for support. With the ongoing costs and the longer life expectancy many seniors find them selves unable to continue paying the costs of retirement homes. Not having the equity in their home, they lose out on the CHIP Reverse Mortgage option. 

Building and creating the shared accommodations/homes for seniors is a growing market.



Co ownership  as an alternative to co-operatives and condominiums is co-ownerships. Instead of shares in a corporation, owner is in common” with every other purchaser. This also comes with the right to occupy a specific unit.

In the co-ownership system, buyers are legally bound by the terms in their contract rather than by any legislative provisions, such as the Condominium Act.  Like the co-operative, the co-ownership involves only one mortgage and one tax bill for the entire property, with each person being responsible for his or her proportionate share of the costs.




Residents share ownership of a home and all household costs. Each co-owner purchases an undivided percentage interest in the home and they are registered as a Tenant in Common on the title/deed. Together, Co-owners control all aspects of operating the entire home. Each resident contributes to, and is accountable for, household decisions, expenses, and taxes.

Each owner has private space that typically includes bed/sitting rooms with en suite. All residents share common areas of the home, including kitchen, dining, and sitting areas. These homes are suitable for individuals who appreciate the advantages of shared resources and community living and the value of ownership in real property.






 Co-owners are better able to “age at home” using home care initiatives as outlined by Ministry of Health  The homes encourages healthy social interaction to improve overall well-being  Co-owners self-govern, self-direct, and control all aspects of the ownership model  Shared household costs reduce individual expenses resulting in a higher standard of living  The potential need for subsidized government funding is delayed  Co-owners control all aspects of operating the entire home, and each resident contributes to, and is accountable for household decisions.   Each interest is sellable on the open market.  . With the increase in home care and living expenses Today’s seniors are re-evaluating their priorities, seeking housing options that balance their wish for independence, with an increasing desire or need for day-to-day support. 


Co ownership is not a new concept and recently government of Ontario proposed privet member bill 69 known as “Golden Girls Act” to help to establish this concept for seniors.



My name is Arthur Jaworowski and I would like to take this opportunity to introduce myself and ACTUM Building Solutions. From a young age I have been involved in the family construction business. My formal education is from RCC as Electronics Technician. Due to the recession I went back to construction and opened my own small renovation company, I was offered contract position to work with the Ministry of Housing. My duties included unit inspection and work on resolving deficiencies on a building in Toronto.  I was asked to assist in a forensic audit to recover missing money along with testifying in a case by Metro Toronto Police. This experience led to being offered a position as a property manager/project manager and worked at University of Toronto on home conversions for faculty housing. 

During this time I continued my education and completed Condominium Law courses along with other maintenance courses used in this industry including Home Inspector courses.  After almost a decade as a Property Manager I was offered positions as a Service Manager for a large building firm that not only built free standing homes but also condominiums. Gaining experience in dealing with large subdivisions sites and high rise buildings, along with working with the Tarion Home Warranty Program in 2010 I was fortunate to have both the challenge and opportunity to work as a Special Project Coordinator with a well known and respected Building Company. I was involved with the design and build of six (6) retirement homes in the GTA the tallest being a 17 story building. They all involved the use of green building solutions including a Geo Thermo Heating System Solutions. In 2012 on the urging of a past-co-worker I returned to the condominium industry as a Senior Manager of a condominium firm and then became the Vice-President managing a large portfolio of properties involving the supervision of daily operations of Property Management. 

Having gaining great experience in the construction and management industry I have decided to take charge of my destiny again and open a new Renovation Company. Actum Building Solutions is currently employed by various property management companies in the Dufferin County area servicing multiple condominiums, town homes, rental properties and retirement homes. Actum Building Solutions had one of our home renovations featured in the Living Spaces magazine, built a 9Round franchise Gym in Guelph, and worked with the town constructing an 80’ x 110’ Pavilion.

 Actum Building Solutions was selected as a runner up for the 2016 Business Excellence Award by Dufferin County for a company under ten employees the winner was a company that was featured on Dragon’s Den. Actum Building Solutions carries liability insurance along with working within WSIB guidelines. We use trusted sub contractors to assist in the mechanical, electrical and plumbing work as needed. At ACTUM Building Solutions, our goal is to provide superior customer service to our clients by providing dependable, quality workmanship.

Cindy Davis has over 20 years experience in healthcare which includes over 10 years working directly with seniors in a retirement setting with several retirement homes. From direct client care to Activations Manager and finally Office Manager for a well-known retirement home. Spending a few years as a Property Manager in the condominium, retirement and co-op industry Cindy gained experience in identifying deficiencies and needs in the communities. Currently Cindy is running all aspects of the office for Actum Building Solutions along with growing/building her business as a Mortgage Agent.  Her involvement in the industry and her personality as a friendly/professional business owner gives her an advantage in creating new networks while maintaining established contacts.




We would like to build a team of Investors, Real-estate professionals and Contractors to further develop this concept. Once the homes are built/renovated they will be sold as equal shared to the owners.  The homes will be purchased by 3 or more clients that will share in operating of the home, Including the utilities.  

GETTING STARTED  purchase of property/renovation  legal frame work for co-purchase of a house  create rules governing the home  set up services/subcontractors

HOME SELECTION  The home should be between 3000+ square feet. It should be easily converted that each bedroom will have it own bathroom   The home should be located close to amenities such as stores, senior centers etc.  Home must have some green space for gardening and lounging  Available parking for service staff and family

The home does not necessarily need to be in a large urban area as smaller cities and towns have a need for this type of housing.





HOME INTERIOR CONCEPT/RENOVATIONS  Each resident will have a separate/private bedroom equipped with bathroom and TV, phone connections.   The home will require a common area for sitting, socializing and eating.  If property allows a spare bedroom for care giver/family  Floor finished to be hard surfaces such as laminates  Hardware to be senior friendly lever for door Handles  Extra lighting and switched to be senior friendly  Kitchen to be senior friendly with low cabinets, easy handles and countertop microwave   Appliances to be senior friendly with front controls on oven and French door fridge.  Bathroom to have raised toilets shower unit with a seat, shower head on slide bar.  Bathroom doors to open in to the room  If possible heat lamp over the vanity area.  If possible a stair lift or elevator to be incorporated.



 The ownership will be set up as Tenancy in Common ownership. All co-owners will have a freehold interest. That interest is registered on the title/deed and together they share the home and all the operating expenses of the home. Each percentage interest is individually mortgage-able and sell-able.


 It is imperative that a legal co sharing agreement is drafter that will not only outline percentage share for each owner but also deals with responsibilities of the home maintenance, cost shares to operating of home, how to deal with major home improvements or home repairs, \resale options and  when needed selection of new owner .





 Introduce this concept to the community and meet and greed gatherings are held.   Meet and great will help with the owner selection process to make sure the residence are compatible and share interest.   Meet and introduce the concept to the Other family members and what they can expect.


TIME LINES  As this concept is becoming more popular in Canada, we feel it is important to put a team together of investors and agents to locate a potential property  The construction should not take longer than two months, during that team/marketing should be looking into potential buyers  We would like to develop between 3 to 5 homes in the first year