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Glossary · Ownership structures

Joint personal ownership

Also known as: joint tenants, tenants in common

A property held by two or more individuals (usually a couple) where rent and capital gains are split by ownership percentages and each owner pays tax at their own marginal rate.

Useful when one owner is on a much lower marginal rate than the other - the split shifts income to the lower rate. The split is fixed by title (50/50 for joint tenants, configurable for tenants in common) and can’t be re-streamed year to year, unlike a trust.