How Owner Financing Works
Three simple steps from application to keys in hand.
How It Works
Find Your Home
Browse homes listed by owners and investors. Filter by price, location, and type to find your perfect match.
Get Qualified Fast
Submit a quick application — no minimum credit score required. We review and respond within 48 hours.
Move In With Your Option to Buy
Sign your lease and your purchase option. The option agreement sets your purchase price up front — and buying stays your choice, never a requirement.
Do You Qualify?
If you can check these three boxes, you are likely approved.
Down Payment
Cash, cashier's check, or wire transfer
Provable Income
W-2, 1099, self-employed, bank statements OK
Valid ID
SSN or ITIN accepted — no minimum credit score
No credit pull. No obligation. Takes less than 5 minutes.
Choose your rent-to-own path
Pick the option fee and timeline that fits — the longer the term, the longer your price stays locked.
Base
Lowest upfront cost to get into your home
2-year option to buy
- ✓$2,500 to get started
- ✓2-year option to buy
- ✓Price & rent locked for the full 2 years
- ✓Extend later at a renewed price & rent
Plus
PopularMore time and a longer price lock
5-year option to buy
- ✓$5,000 to get started
- ✓5-year option to buy
- ✓Purchase price locked for the first 3 years
- ✓Rent only rises 5% after year 3
Premier
The most runway to buy on your timeline
7-year option to buy
- ✓$10,000 to get started
- ✓7-year option to buy
- ✓Purchase price locked through year 5
- ✓Rent steady through year 4
Choosing a tier here doesn’t lock you in — we’ll confirm everything before any contract.
Ready to Find Your Next Home?
No application fee. Apply in minutes. Move in fast.