Undivided, "a co-op", means that the owners share the same mortgages, rights and obligations.

These are some important tips to know:

• You need 25% down
• You can only bank with the Caisse Desjardins or La Banque Nationale
• You own shares, which may not be split 50%/50%
• Sometimes you may have to share the same furnace (heat source)
• You don