A method and system of financing real estate ownership involving forming a title holder entity to own equity in each property, forming a pooling entity to own most of the title holding entity, the pooling entity owned by the general public directly or through equity pools, screening applicants to determine financial suitability, the title holder selling shares of a class of stock unique to a particular applicant for each property, the particular applicant having sole use and enjoyment of the property and being an owner/occupant, the sale price between 1% and 5% of market value plus underwriting fees, each applicant paying rent to the title holder entity in exchange for additional shares, the title holder entity issuing cash dividends to the general public in an amount of the rent less management fees. Each applicant' s shares are held by the title holder entity as rent security.