Yifan Zhang believes that in the next five to 10 years, prospective home buyers will have three standard options for coming up with a down payment: Save, ask for a parental gift, and sign up for Loftium.

It has been two weeks since Zhang and her co-founder Adam Stelle officially launched Loftium, a Seattle startup that provides down payment assistance for home buyers who are willing to rent out a spare bedroom on Airbnb and split the profits. Based on early interest, Zhang is expecting the business to scale rapidly.