This invention relates to retirement communities. Specifically, a computer-implemented method and system enhances retired homeowners' accessibility to the retirement community on time-sharing basis and broadens the client base for the management and/or developers of such communities. The method particularly addresses the needs of those retired homeowners who will consider joining a retired community only a portion of the year while keeping their current homes. It determines the affordability of retirement community living on a time-sharing basis for retired homeowners, using reverse mortgages. The method also addresses the needs of developers of retirement community projects. It does a break-even analysis of the project under different scenarios, enabling a developer to assess the project's feasibility.