Casum is an innovative startup that provides a unique solution for individuals who are unable to secure traditional mortgages. Operating in the real estate market, Casum primarily serves clients who face challenges in obtaining home loans due to various reasons such as insufficient credit history, unstable income, or other financial constraints.

The core business model of Casum revolves around a shared ownership approach. Here's how it works: when a client wants to buy a home but can't get a mortgage, Casum steps in with its network of investors. These investors purchase a portion of the home alongside the client. The client then moves into the home and pays rent for the part they don't own. Over time, the client can gradually buy out the investors' share at their own pace, effectively transitioning from renting to full ownership.

Casum makes money through the rent paid by clients for the portion of the home they don't own. Additionally, they may earn fees for facilitating the transactions and managing the investor-client relationships. This model not only provides a pathway to homeownership for those who might otherwise be excluded but also offers investors a steady return on their investment through rental income.

In summary, Casum is addressing a significant gap in the housing market by offering an alternative to traditional mortgages. Their client base includes individuals who are financially stable enough to afford a home but are unable to secure a mortgage. By leveraging a shared ownership model, Casum enables these clients to gradually achieve full homeownership while providing investors with a reliable income stream.

Keywords: shared ownership, real estate, alternative mortgage, home buying, investors, rent-to-own, financial inclusion, gradual ownership, housing market, client-focused.