Matt Holmes Contact

Work

What I’ve built.

Products, systems and original research, from first build to paying customers and industry adoption.

The Co-ownerOS home screen on a phone, showing a home’s value and two executed agreements, beside three co-owners each marked "All agreed"

Product · 2023 to now

Co-ownerOS™

The operating system for people who own a home together.

Featured in Forbes. Named in The New York Times.

Live Industry first Monetized
A diagram with me on top as orchestrator, then strategy, a builder and control loop, and an auditor at a gate, all reading one record

System

AI software delivery

Ship production software with a small team, and explicit checks on what reaches production.

5 of the first 9 independent audits blocked release and sent the work back for fixes.

In use
Two Wavelength screens. On a desktop, setting up a new interview by recording a voice brief. On a phone, the welcome a respondent sees, with a short video and a start button

Product · 2026 to now

Wavelength

A voice-interview application, extended into purpose-built decision briefs.

Used in paid client engagements, to hear from the people a decision depends on.

Live · by invitation Monetized
The cover of CoBuy’s 2026 National Report, Co-buying and Co-owning a Home

Research · 2021 to now

The first national study of co-buying and co-owning a home

5 editions since 2021. 6,200+ co-buyers and co-owners surveyed.

Cited by The New York Times, The Wall Street Journal and TIME.

Industry first
The CoBuy Suitability Score grade scale from A to F, under the line "Most American homes flunk co-ownership"

Product · 2018, rebuilt 2026

CoBuy Suitability Score™

Grades how well a home works for people buying it together.

Validated across 3,777 test pairs. Cited in MLS listing remarks.

Live Industry first
The home page of a demo garage-door company, headed "Your door quit. We show up knowing why.", with one button, "Tell us what happened"

Product · 2026

AI diagnostics and dispatch for home services

Know the job before you roll the truck.

Built on 204 real cases. Cleared 11 of 11 structural acceptance gates.

Working build · private
A screen confirming a group’s alignment check is complete, with 14 questions agreed and 100% alignment

Product · By 2018, rebuilt 2025

CoBuy Wizard

Gets a group aligned before they buy a home together, then hands them a Decision Brief.

Paying groups. Each one gets its brief within 48 hours of aligning.

Live Industry first Monetized
The CoBuy Co-ownership Index title card, reading 31.5% of US home purchases now involve co-buyers

Research · 2026

CoBuy Co-ownership Index™

A permanent public reference for how much of America co-owns.

Our model puts co-buying at 31.5% of US home purchases in 2026.

Industry first
The CoBuy-certified Pro badge above the words "Real estate professionals trained in co-buying"

Product · 2017 to now

CoBuy-certified™ Pro

The first professional certification in co-buying, and the network of those who hold it.

200+ professionals certified since we started.

Live Industry first Monetized
Five standards (URLA, ULAD, Fannie DU, Freddie LPA, MISMO iLAD) feed one reference with 869 form controls, 2,746 reconciled Freddie rows and three conflicts kept

Research · 2026

The mortgage application, mapped

Every field of the US mortgage application, reconciled across the standards lenders and the agencies use.

869 form controls across a 5-standard reference.
A group’s Summary screen. A banner says they’re aligned, with their home budget, cash for the purchase, monthly contributions and debt-to-income

Product · 2026

CoBuy 3.0

One workspace, from buying together to owning together.

Three customer routes, built around one shared model of people, property and decisions.

In development
The Simple Will studio, with questions about assets on the left and the will being typeset live on the right

Product · 2024, rebuilt 2026

Simple Will creator

A will-drafting application. Guided intake in, a finished will out.

AI proposes. A compiler writes every clause.

Working build · private