Around 2017, I got a divorce after finding out my ex had racked up a ton of debt on our credit cards. Like totally maxed out and also none of the bills were being paid. My life was gradually falling apart and i needed to take an action. Then I sought for Google recommendation. I stumbled upon a comment via a forum on YouTube about a well-spoken credit specialist cum hacker named..HACK-LIVE and how he helped a woman fix her Credit Report in a relatively short time. I became curious and wondered if he could help me fix my poor Credit and eliminate bad debts. Well with my fingers crossed, I gave him a chance to prove the good in men. While negotiating with him, I noticed he was very educated and knowledgeable. Eventually he fixed my Credit and gave me a reason to smile and be happy again. He removed the bad records on my report and raised my score to 790. CONTACT: [email protected] You can trust him with your credit report, he is a credit specialist and the best of his kind. Regards
My ex made my credit report messy, with lots of debts. I needed to clean up quick so I can get a house. HACK-LIVE a credit specialist I saw so many testimonies about on trulia promised me that everything would be OK in less than no time, so I gave him a try and I had to be patient. Everything worked out in less than 7 working days. He cleared all debt and negatives on my report. It’s hard to live or get anything new with bad credit. I’m very lucky to have found this genius as he is very nice, cares about his clients. I’m so glad that I choose to go with his service and would definitely recommend his service to anyone looking to repair their credit, and wants it done right contact:[email protected] or text ((403) 201-0237). Regards Alicia..
Rent to own housing contracts is especially attractive to sellers when the real estate market is slow, and the homeowner worries that their house won’t sell quickly at an appropriate price. So, instead of listing the house for sale, the seller offers the rent to own option to attract a potential buyer who wants to buy the house but isn’t in the financial position to purchase the property at that moment. 

As of 2011, no U.S. federal consumer protection law specifically addresses rent-to-own transactions, but through litigation, efforts have been made in attempt to bring rent-to-own agreements under the definition of “credit sale” in the Truth in Lending Act. However, courts have not, as of 2011, ruled in favor of making this change at a federal level.[25][26][27] In 2006, the United States Department of Defense labeled rent-to-own a predatory lending practice, defining it as an “unfair or abusive loan or credit sale transaction or collection practice,” along with payday loans, title loans, refund anticipation loans and other similar practices.[28] In 2007, the United States Government Accountability Office raised concerns with the methodology and structure of this research.[29] Later in the same year, the Department of Defense ultimately concluded that rent-to-own was not a form of credit and excluded it from its regulation on predatory lending practices.[30]

Unfortunately, rent-to-own is not always a good deal. If the tenant decides not to purchase the house at the end of the rental term, none of the extra money that he paid to the seller comes back to him. So he would have paid above market value for a rental and have no extra cash to show for it. Furthermore, unlike in traditional rental scenarios, the tenant is often responsible for repairs and maintenance during the lease term, and any money or sweat equity you put into the rent-to-own property will not be reimbursed.

If you want to see different types of homes for sale in your area including RTO listings, housinglist.com is a great resource. When you pull up the site, it'll ask you for your desired zip code. When you enter this information, a list of different houses will come up along with how they're being sold. There are foreclosures, for sale by owner, real estate listings, and RTOs. You click on 'get more details' to see more about the houses. You register for the site to get access to contact information and additional house information.
At HousingList we believe home-ownership should be accessible to everyone. We work to spread awareness around alternative, non-traditional routes to home-ownership such as rent-to-own and HUD properties. These alternative paths to owning a home can help people who don't have enough funds saved for today's rising down-payments, people who need to improve their credit scores, or any number of factors that prevent today's buyers from the dream of homeownership.

The cost incurred by consumers in rent-to-own transactions has been the subject of long-term debate and differing opinion. Historically, consumer advocates, some U.S. state attorneys general and some academic researchers have expressed concern that consumers entering into rent-to-own agreements may be unaware of the potentially high long-term costs of rent-to-own in comparison to traditional installment or layaway plans.[11] Often mentioned alongside most critiques is the question of whether prices paid for services of this type are adequate for lower-income individuals who can least afford additional financial outlays.[12] At the same time, other academic researchers and representatives of industry associations have contended that rent-to-own transactions are not comparable to traditional methods of purchasing or financing consumer goods, in that they include services such as delivery, assembly, service and repair, all of which are factored into the higher assessed value and corresponding price charged.[13][14] Also frequently noted by proponents of the unique nature of rent-to-own transactions is the point that they are not obligations to purchase, since the agreement can be terminated by the lessee at any point in time with the return of the property.[15] Research conducted by the University of Massachusetts Dartmouth in 2003 found that 90% of rent-to-own merchandise is returned with less than 36% of the scheduled weekly payments made, suggesting that transactions of this type are "more frequently used for short-term needs rather than as a method of acquisition."[16]

Many people who want to purchase their own homes might not have the money on hand for a 20% down payment or money to cover the miscellaneous fees that come with buying a home. An RTO contract gives them a period to save up for a downpayment, and a portion of their rent money will also go toward their down payment or earnest money once the contract is up. This can act as a cushion, and they won't have to worry about paying such a high down payment amount.
The cost incurred by consumers in rent-to-own transactions has been the subject of long-term debate and differing opinion. Historically, consumer advocates, some U.S. state attorneys general and some academic researchers have expressed concern that consumers entering into rent-to-own agreements may be unaware of the potentially high long-term costs of rent-to-own in comparison to traditional installment or layaway plans.[11] Often mentioned alongside most critiques is the question of whether prices paid for services of this type are adequate for lower-income individuals who can least afford additional financial outlays.[12] At the same time, other academic researchers and representatives of industry associations have contended that rent-to-own transactions are not comparable to traditional methods of purchasing or financing consumer goods, in that they include services such as delivery, assembly, service and repair, all of which are factored into the higher assessed value and corresponding price charged.[13][14] Also frequently noted by proponents of the unique nature of rent-to-own transactions is the point that they are not obligations to purchase, since the agreement can be terminated by the lessee at any point in time with the return of the property.[15] Research conducted by the University of Massachusetts Dartmouth in 2003 found that 90% of rent-to-own merchandise is returned with less than 36% of the scheduled weekly payments made, suggesting that transactions of this type are "more frequently used for short-term needs rather than as a method of acquisition."[16]
My name is Eve Peterson, I live in Rochester. I will advise you all to this credit specialist company they are genius; they are the best amongst all. They helped me remove all criminal records on my credit report and they helped raise my credit score to 792 within 8 days. They also help increase my credit card limit to $35,000, there service are fast and reliable without stress. Get in touch with them via email: [email protected] or +1 424 245 2993. Thanks.
With great joy in my heart I’m happy to share my testimony. Last year I applied for a loan but I was disqualified due to my terrible Credit Report I online for a solution to my credit. My name is Angie mother of 3 since the death of my late husband life has been perilous for us my business too was not in good shape. I had late payments, Eviction, a large history of bills, couple of collection..my credit was a mess with low score Trans 545 Equx 487 Exp 610. 2weeks ago I was on a Credit Repair Site following instruction and Video lesson on how to fix my credit when I came across a review of a lady testifying about how she got her credit fixed using the help of a Credit Hero Ghost Virus. I contacted him on both ([email protected];) and explained my situation and I really needed help although I was skeptical about but the whole thing I just had to give a try. I followed he’s instructions and did all he asked me to do within a period of 9 days my credit was fixed and my scores are ex
Good day everyone, my name is Lucy. I am here to share a testimony about this credit Genius Ghost who helped my husband and I repair our bad credit report when we were in need of it. We needed to fix our credit so we could maximize our business, purchase a home and live comfortably. We really needed the help of a credit repair assistant to help fix our credit so we could live up to our dreams. After a month, through recommendations I found on Google about Ghost, we made contact with Ghost for a repair service explaining our credit challenges to him and we could really use he’s help. To cut the story short he proved to my husband and me that he is a savior. We were asked to wait for (7 to 9 days) after he collected our personal info from us. We got an excellent result removing all negative items and bad report on our credit and as well increased our scores I made a promise to recommend him if he could actually fix our report and increase our score to our satisfaction. I completely reco
Started repairing my credit 2 weeks ago, and already my score has jumped from 546 to a high 790..Trust me, you won’t get results like this doing it yourself fast track your results with professionals with the help of (Ghost Virus) Credit Repair..He’s the Genius everyone is talking about all over the internet...Get him on his regular phone (205) 418-0498; Email [email protected]
Just want to give y’all an insight into Mortgage Financing as far as this subject is concerned. I am a loan officer. Most people get into these “Rent to Own” contracts forgetting they have to secure financing to buy the property at the end of the term. In mortgage financing your credit/liabilities, income and assets play a key role in the approval of the loan application. You may be ok to enter into the contract now but there’re questions to be asked; what happens if my credit doesn’t meet the minimum requirement to secure mortgage financing at the end of the contract? What if my assets not enough to finance the transaction? What if my income/hours also drop at work? What if I lose my job at the end? What if I change jobs? ALL these can affect the loan application. If you can’t answer any of these questions please be careful and don’t sign any contract.
Is Rent to own or Lease Option for everyone? No, some won’t pay the higher interest rate, they’d rather have a landlord fix stuff and never have equity, content to pay stuff in cash and never need a mortgage, but others see value in the house and with banks being in charge of credit, they don’t care about blips or blemishes. These are good deals for people who cannot qualify with a bank.
Traditionally, the lower your credit score is, the more likely you are to either get denied for a mortgage or get charged higher interest rates. You want to get the best rates possible because this will reduce the amount you pay back in interest over the life of your mortgage. An RTO contract can help you strengthen your credit by giving you a history of on-time payments. It can also add diversity to your credit history, which can improve your score over time.
As one of the largest cities in Nevada, North Las Vegas is a thriving municipality in its own right and not just a neighbor to Sin City. As a matter of fact, living in this city of over 229,000 is basically one adventure after another. If you've ever wanted to try out more unconventional methods of flying, hot air balloon rides and helicopter tours are available in North Las Vegas. There's gambling here, too: Bighorn Casino is a great way to blow off steam in the evening. Here's what you need to know about North Las Vegas.

While a lease option gives you first dibs to purchase the home you’re renting, it doesn’t guarantee that you’ll be approved for a mortgage at that time. If you are unable to boost your credit or save enough for a down payment during your lease, you could still be shut out — and you’ll lose all the money you paid toward the purchase, too. To help protect against this scenario, experts recommend meeting with a mortgage lender before signing the deal to know exactly what you’ll need to qualify at the end of the lease.


The whole of last year and earlier this year was pretty tough for me with a low credit score things were very difficult for me. My name is Kathy Pierce and that was used to be my story before I met a hacker who helped me fix it. He did not only gave me a high credit score but they also deleted some negative items on my credit. I owe him gratitude and would like you to check him out on (424) 307 2638 [email protected] trust me HACKWEST can get you back to your feet.


According to a Federal Trade Commission survey on the rent-to-own industry in the United States conducted in 2000, consumers reported that they chose to engage in rent-to-own transactions for a variety of reasons, including “the lack of a credit check”, “the ability to obtain merchandise they otherwise could not”, and “the convenience and flexibility of the transaction”.[1] The most common reason cited for dissatisfaction within the survey was high prices. In addition, some survey respondents reported poor treatment by employees in connection with late rental payments, problems with repair services, and hidden or added costs.[1]
In either a lease purchase or a lease option arrangement, renters benefit by gradually working into homeownership without breaking their monthly budget. Rent-to-own also allows the home buyer to avoid property taxes and large downpayments while already living in the home. A wide variety of types of homes can be found with the option for rent to own. Search RealtyStore's available rent to own houses now.
Market Timing. One of the biggest investment flaws people have is projecting the recent past trends indefinitely into the future. This is part of why people crowd into markets near the top & sell out of fear near the bottom. Institutional investors tend to be more pragmatic & experienced at investing than most individuals are. Those who have liquid cash during recessions are able to flip the cost structure by buying homes at rock bottom prices. This is why hedge funds bought large portions of the residential housing supply in Phoenix and other cities after prices sometimes fell by more than 50%. Blackstone acquired 40,000 homes and created derivative products based on the rental payments.
Hello my name is Michael Osman I was desperately in need to fix my credit after I was knocked out of my house few weeks ago. I met an old friend of mine and I told him about my present situation and how I was knocked out of my house due to my bad credit. He recommended me to a credit expert called HACKWEST how they fixed and boosted his credit to an excellent point and they removed all negative items, late payments, loans. So I contacted them and asked if they can bring my credit up to standard, after much discussion and the little they ask from me just in less than 7days my score got raised from a low 440 to 800 (excellent). You can as well contact via: [email protected] / (424) 307 2638 for any kind of credit fix.

The usage of rent-to-own transactions began in the United Kingdom and Europe, and first appeared in the United States during the 1950s and 1960s.[2] While rent-to-own terminology is most commonly associated with consumer goods transactions, the term is sometimes used in connection with real estate transactions.[3] The newest law coming into effect known as "Physical control" is a progression towards owning something such as a parcel of land.
Hey guys I’m Luke from California, I have been suffering from low credit score over 3 years now, I had eviction, loans and major debts on my credit report I wasn’t able to purchase anything. Then I sought for Google recommendations then I was referred to trulia where I saw testimonies of fixed credit done by a genius hacker HACK-LIVE . I contacted him and guess what in less than 9 working days my credit score was boosted to a high 800, all thanks to him I’m a proud owner of a beautiful home. contact him and get your credit fixed contact: [email protected] Cheers!
Unfortunately, there are a lot of RTO scams that any potential buyers have to watch out for. If something sounds too good to be true, it usually is. If you don't' trust the seller, or if they're asking for a lot of money upfront, leave it. There are legitimate RTO options available. You don't have to take the first one that comes along. Ensure you read the fine print and have a Realtor and/or a real estate lawyer verify the contract is fair. Many deals are fair - particularly those offered by local nonprofits like SHOP - but dishonest companies who do not disclose major issues can destroy people's lives:
On the other hand, if you don’t think you’ll have enough time or discipline to be able to change your financial situation, or if you’re on the fence about the house you’re renting, you could lose a lot of money by walking away, whether because you wanted to or were forced to. You’ll be better off renting a smaller, cheaper place while scrimping and saving the old-fashioned way.

My life would have been miserable if it were not for the help of BULL CREDIT REPAIR. I must be honest with you guys; God used these guys to salvage my ugly situation. Sometime last year I applied for a mortgage loan to enable me leave comfortably which I believe is the dream of every young man but was denied because of hard inquiries and eviction on my credit report. This prompted me to research on the internet on how to fix my credit so I discovered Bull Credit Repair and I contacted them via [email protected] and +1 480 462 3869, in less than two weeks my credit score was boosted from 480 to 790. I recommend you contact them today for your credit repairs.s
A lease-option contract is less rigid. In this arrangement, you can choose whether or not to purchase the home by the contract's end, and the landlord must honor it. This agreement gives you a choice to opt out of the purchase within the agreed-upon time frame, offering a bit more wiggle room if you're uncertain you want to own the place. But even in this case, you might forfeit your deposit and equity, so it's important to be sure that rent-to-own is the direction you really want to take.
HURRAY!!! I used the services of XAP CREDIT SOLUTION and it was extremely worthwhile, my dad told me about them and how they helped him with his credit issues, I also read several good reviews about them online. Honestly, I never knew I could get out of bad credit issues. I'm a divorcee and I needed a new home; I had almost 7 charge offs and 4 collection accounts and at a point I felt lost and hopeless. I considered using a credit repair agency but wasn’t sure about it until my dad persuaded me. After contacting them, 7 days later I checked credit karma and my credit score had been upgraded to 800, and erased all the Hard inquiries, negative items and payed off my credit debt on my credit report. Email them via XAPCREDITSOLUTION at GMAIL dot COM or text (972) 597 9704. Have a great day...
When you rent-to-own, you can target both buyers and renters as potential candidates to RTO the property. A buyer could purchase the property on an RTO basis, and either live in it or turn it into an investment property once the contract ends. A renter may want to purchase a property but doesn't have the means to do so right now. Any RTO property could be a big draw for them because it gives them time to save before purchasing the property. The seller has an increased chance of RTO their property.
While rent-to-own agreements have traditionally been geared toward people who can’t qualify for conforming loans, there’s a second group of candidates who have been largely overlooked by the rent-to-own industry: people who can’t get mortgages in pricey, non-conforming loan markets. “In high-cost urban real estate markets, where jumbo [nonconforming] loans are the standard, there is a large demand for a better solution for financially viable, credit-worthy people who can’t get or don’t want a mortgage yet,” says Marjorie Scholtz, founder and CEO of Verbhouse, a San Francisco–based start-up that’s redefining the rent-to-own market.
×