With housing affordability out of reach for many young people, how can we rethink what it means to own a home? In this insightful talk, fintech innovator Frank Rohde explores how fractional homeownership—combining shared equity with AI-driven credit and income assessments- can lower financial barriers for first-time buyers. Drawing on his experience leading global mortgage pricing innovation and founding three fintech companies, Frank offers a bold vision at the intersection of real estate, data science, and financial inclusion. Frank Rohde is the founder of Ownify, a platform created to tackle the growing challenge of housing affordability. By rethinking traditional ownership models, Ownify offers a new path for first-time homebuyers through fractional homeownership—lowering financial barriers by combining shared equity with smarter, AI-driven credit and income assessments.Before launching Ownify, Frank led Nomis Solutions, where he helped transform how mortgages are priced globally. With a track record as a three-time fintech founder, his work bridges data science, real estate, and financial inclusion. Frank began his career at Oliver Wyman and FICO and holds a degree in finance and real estate from Wharton. This talk was given at a TEDx event using the TED conference format but independently organized by a local community. Learn more at https://www.ted.com/tedx