Your next DREAM HOME

​​Rent to Own

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The Qualifications for Rent to Own

Finally! You sure have learned a lot about our rent to own program. By now you are probably wondering if this program is right for you. While the qualification requirements for the program are significantly lower than those for obtaining a mortgage, there are some minimum requirements that all applicants must meet in order to be eligible for the program:

Minimum 6-months of stable employment
Minimum household income of $50,000 per year (before taxes)
Credit score of at least 575
Chapter 7 bankruptcies are DISCHARGED.
Chapter 13 bankruptcies are in the payment plan stage and ALL payments are made on time.
No felony convictions.
No prior evictions or outstanding apartment collections
You can not be currently in default under a lease agreement.
Debt to income ratio (including requested rent) below 45%

Now that we have those qualifications out of the way, let’s talk about the types of homes that qualify for the program. First, we start our search looking at homes in the approved communities. From there, we filter for the following criteria:

2-bedrooms or more
2-bathrooms or more
Home value from $100,000 to $450,000
Approved high school district
Can not be located along a major highway, under airport flight paths, under high tension power lines.
Single family home or townhouse (fee-simple, no condos)
Traditional Purchases ONLY – Bank Owned, Short Sales, or Auctions are not considered.
Minimum monthly rent is $1250/month.

If all of the above are good to go, then I’d like to invite you to complete the pre-screening application. This application is free and does not require you to disclose your social security number or any other confidential information. If, based on your answers, you are a good candidate for the program we will contact you via telephone for the next steps.



PRE-QUALIFY TODAY