I think the ownership percentage should be based ONLY on monetary contribution.

As refinancing has it's costs, and they're not just monetary--time is another cost and the work u have to put into a refi. 

Any economic book that does not base its material on “Modern Monetary Theory”.

We need monetary velocity but not so much monetary supply.2.

Here are some general thoughts and ideas on where things could go...I read an interesting paper last year put out by the International Monetary Fund (IMF) that hypothesized that the national debt can pretty much grow infinitely without destabilizing the economy or ever causing a fiscal collapse. 

Then when you reach a monetary goal such as enough for a downpayment, you go in and pull out the money or just wire it from the account.

The good news is that there can be steps put in place (such as simple, measurable non-monetary productive outcomes) that get the student close to the finish line with certainty and working within a new environment.

Better yet, have punitive monetary penalties written into the lease if they don't move out in time.

They also have strict rules for renters about sharing the kitchen, cleaning, etc. with monetary penalties for not complying. 

This includes monetary benefits such as increases in equity, increased cashflow, decrease in taxes, and potentially increasing property values through appreciation.