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One big thing that may be different in this lease agreement: You, the tenant, may be responsible for maintenance costs and general upkeep of the home instead of the landlord. The logic here is that you’ll be motivated to keep the house in top shape if it will be yours in a few years. However, the landlord would still be on the hook for any repairs so major that the home would be uninhabitable without them.
I’m a single mom of two. We own our coop apartment but it’s a one bedroom. Rentals in my NY require an income of $100,000 or more for a 3 bedroom rental. My income is to low for us to rent. It seems that ownership is my only option. Is it a bad idea to consider rent to own in my situation? We need more space and need time to sell or sublet our coop. Is there a better option?

Browse our extensive database of listings to find homes in your area. You can click on a listing to view more information about the listing as well as important neighborhood data, nearest schools and more. To access pricing information and to obtain the contact information of the owner, you can register for a trial membership. Our Trial Membership gives you access to many additional features, and we are always working on improving our listings data. You can cancel your membership at any time – simply contact us by email or phone for assistance, and we will be happy to help!

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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]
When you decide that rent-to-own is the right choice for you, you'll have to start looking for places that list RTO homes for sale. It might seem like a difficult thing to find at first, but several websites list them. One thing to note about these types of sites is some of them charge a fee to view information. Be sure to use a credit card rather than a debit card so you can more easliy dispute charges if you keep getting charged after you stopped using the service and contacted the company to cancel any ongoing subscriptions. It is hard to point out gotchas to specific websites while publishing an article like this because businesses can be bought & sold, and new owners may be more aggressive with monetizing customers than the old owner was.
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In a lease-option agreement, you will have to give a usually nonrefundable payment at the beginning of your lease term. This payment, known as option money, is a small percentage of the purchase price of the rent-to-own house. If the aforementioned $300,000 rent-to-own house had a contract stipulating 3% in option money, you would be required to pay $9,000 at the beginning of the contract.

This is your safest option, and likely the one most financial experts will recommend. If you’re truly committed to saving up and building your credit, there may be little reason to jump the gun with a rent-to-own deal. After all, if you can afford the option fee and higher rent that these deals require, then put all that money you saved in a high-yield savings account or money market account. Continue to add to it by finding a place with lower rent, and give yourself the freedom to obtain a mortgage the regular way in the future.
First, let’s talk about rent. A certain percentage of your rent will usually go toward the purchase price of the home. This is something you can, and should, negotiate with your landlord. One thing to keep in mind when you negotiate: Because of this credit, you will likely be paying more to rent the home than you otherwise would. For instance, a house that would normally go for $1,000 a month might go for $1,250, with the extra $250 saved as credit toward the home’s purchase. So if you seek a higher credit, your rent may rise accordingly. Also note that your lease will probably specify that if you’re late paying rent, you’ll lose that month’s rent credit.
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.
About this time last year, I was in a terrible situation. My credit was not good, my FICO was 500, I had late payments and collections on my credit profile. I also had an auto loan which I was still servicing, my uncle made me understand that a hacker could help me, he introduced me to this group, XAP CREDIT SOLUTION. In 2 weeks changes were made, my score skyrocketed to 790, all the late payments were marked as on time payments. Negatives and collections were blotted out. Things are better and I hereby give them a 5-star rating. Here’s their contact information for those interested [email protected] or text (972) 597 9704. Thanks.

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Example: Jane falls in love with a lovely cottage in her desired neighborhood and is eager to buy it. However, she hasn’t saved any money for a down payment and is worried that her bad credit won’t allow her to get a home loan. The owner of the cottage offers to let Jane rent to own the property. Jane agrees to pay a monthly base rental of $1,500 plus an added $500 to go towards a down payment. The rent to own contract specifies that Jane can purchase the cottage in 36 months for $90,000.  

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.


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After paying off all my bills on my report the negative items were still reflecting on my credit reports which was really discouraging. After some online research on credit repairs, I ran into this site and I saw the wonderful testimonies of people helped by Mr Zeek and his team, I made enquiries and we moved on to work, 8 days after all the negative reports were wiped off and also increased my credit scores to 785+ on all credit bureaus. I'm happy for the great services they offered me despite little charges.
I have been struggling with very bad credit score since I was 20 and I’ve experienced a lot trying to fix my score all these while. I was always ripped of my money which hurt but I took my last gasps working with an agency after I read several reviews about them which prompted me to hit them up for the last time and got my score; fixed to high 780’s, make no mistake about this ROCKBASE CREDIT REPAIR are the best when it comes to all credit related issues, my life has been better since they fixed my credit, I owe everything to them. You can contact them via [email protected](972)449-1968.

To find a lease-to-own or other type of property, simply click on one of the popular states/cities, or enter your city name, state name or even a zip-code into the search bar. We will then search through our records of active rent-to-own homes near you and display a list of all properties within that location. To view a specific property, simply click on the property itself to view detailed information such as images, community information, local amenities and more. The rent-to-own property market is heating up and we recommend contacting owners of these homes quickly to make a deal.


We are not Realtors who are selling someone else’s homes, bankers or loan brokers who get paid to find you a loan. We are actually the owner of some lovely homes that are available for purchase in various ways including lease to own. Since we own the homes, many times (depending on your circumstances) we are willing to finance all or part of the purchase ourselves or lease to own them to you. All the normal rules concerning credit, debt ratio and proof of income are thrown out the window. Since we own the homes, we can be very creative with the financing and structure it to fit your needs.

Rent-to-own housing can be tricky because the landlord might decide the potential homeowner is responsible for repairs and property taxes during the lease period, said Rich Verrillo, a senior housing partnerships manager for Navicore Solutions, a Manalapan, N.J.-based member agency of the National Foundation for Credit Counseling. Working out all the details before the contract is signed is vital.
“Before calling Debooth Credit Solution I had a 542 credit score and couldn’t get approved for a loan. After taking a friend’s advice, I emailed [email protected] and as well called (562) 281-7621 and spoke to a friendly credit expert. After about two weeks, I started receiving letters stating that negative accounts had been removed from my credit reports! My credit score is 238 points higher and I’m feeling more relieved now. You can trust them with your credit because of their impeccable character. Cheers!!

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.
Watch out for lease-purchase contracts. With these, you could be legally obligated to buy the home at the end of the lease – whether you can afford to or not. To have the option to buy without the obligation, it needs to be a lease-option contract. Because legalese can be challenging to decipher, it’s always a good idea to review the contract with a qualified real estate attorney before signing anything, so you know your rights and exactly what you’re getting into.
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