Zerodown is an affordable homeownership solution in the Bay Area. Homeownership in the Bay Area has become financially impractical, and many residents are paying rent as a cheaper, but wasteful alternative. Zerodown solves homeownership problem by purchasing a home that a customer wishes to buy, and then leases it back to the customer for a period of time, after which the customer has the right to buy the home from ZeroDown. This allows customers to accumulate ownership in a home through leasing as opposed to having to rent. In short, customers build ownership in their home every month. Home equity vests to them monthly, just like stock options at their workplace. Zerodown provides all the benefits of owning a home, with the flexibility of renting.