Is it Musharaka (partnership)?

If the program claims that it is based on a Musharaka, or partnership, then the following questions can help you determine if it is a true partnership or a loan-based program.

Do I have an obligation to repay any money? 
Any program that includes co-ownership, partnership, rental, rent-to-buy, musharaka, Ijara, or Ijara wa-iqtinaa cannot, according  to shariah, require you to purchase additional ownership shares or have any obligation on your part to repay any money. The only money you can be obligated to pay is the rent per a standard “real and true” rental contract and its terms can have no bearing whatsoever on your status as a part-owner.

Is there a lien on the property? 
A lien is meant to secure a loan. Any program that includes co-ownership, partnership, rental, rent-to-buy, musharaka, Ijara, or Ijara wa-iqtinaa may not include a lien on the property.

Do you share in the property loss and gain? 
A true co-ownership, partnership, rent-to-buy, musharaka, Ijara, or Ijara wa-iqtinaa must have fair and equitable sharing of all the gains and losses of the property based on each partner’s percentage of ownership. This is an integral part of the rights and responsibilities of partnership or co-ownership.

Do you share in the expenses and responsibilities?
A true co-ownership, partnership, rent-to-buy, musharaka, Ijara, or Ijara wa-iqtinaa must have fair and equitable sharing of all the revenue, expenses and responsibilities of the property based on each partner’s percentage of ownership. This is also an integral part of the rights and responsibilities of partnership or co-ownership.

Am I the only one with the title to the home?
If you are, then it is not a co-ownership or partnership.

Do I rent your share?
If they say yes, then they should bear an equivalent share of the responsibility, gains, losses, and expenses. Also, you do not have an obligation to buy any more share or grow your ownership.