The specifics of the contract will differ, but the general idea is that the prospective tenant/buyer will sign a contract to rent the home with an option for them to purchase the house at the end of the lease. The time period where they can live in the house before a lease expires is often between 1-5 years, and when they buy the house, a portion of the rent payments during the lease goes toward putting down a down payment. Ideally, this takes a sizable chunk out of the purchase price.
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The primary benefit is the ability to live in your future home while you make payments toward a down payment. If all goes well, you get to enjoy living in your new home before buying it. It’s often possible to negotiate with your landlord over such things as painting the walls and owning pets to a more prominent degree than you may be able to in a standard rental agreement.
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When you enter an RTO contract, you agree to rent the property for a set amount of time and purchase it once the contract term is up. There is more flexibility in this option, and you usually won't need a large down payment like you would if you were purchasing a home. Many RTO contracts have a term of one to three years. This means that after that set term is up, the tenant will purchase the property from the seller. You'll usually pay a higher rent amount because your rent will be split into two categories. The rent portion of your monthly payment will go toward the seller's mortgage payment on the home, and the rent premium portion will go into an escrow account and be used for the down payment when it comes time to purchase the property.
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]
This is a valuable alternative for buyers who otherwise wouldn't have the credit score or money saved to acquire their own home. And the sellers, eager to relieve themselves of the burden of the old home, earn this money whether or not the house sells once the leasing period expires. If, at the end of the contract the renter can't or chooses not to buy the house, the seller keeps all the money.
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.

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"rent-to-own agreements reside in a gray area of the law. An examination by The New York Times of contracts and court filings, as well as interviews with housing lawyers and more than a dozen of Vision’s customers across the country, found that these deals are risky, lack consumer protections and may not be enforceable in some states. Most tenants walk away with nothing, having sunk money for rent and repairs into homes they had once hoped to own. Others faced surprise evictions, having signed a contract that did not disclose what repairs were needed, yet set a deadline for making sure the home was up to local housing code. As different tenants move in and out of the same property over the course of years, many homes fall further into disrepair."
Reasons to enter into a lease option include the better use of a buyer's time and money by allowing a renter the time to secure financing, save money, reduce debt and acquire financing. Additionally, since the purchase option price of the home is usually fixed when the lease is signed, another plus in an up market can be when home values increase over the term of the lease while the fixed option price remains constant, a buyer/renter can actually be earning equity while renting. Done properly, a lease option can be quite a good deal for a buyer. On the down side, if the value of the property decreases over the term of the lease the buyer has lost nothing since he can simply walk away at the end of the lease term.
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At the end of your two-year lease term, assuming you exercise your option to purchase, the fixed $200,000 purchase price will be discounted by a) the amount of the option fee and b) the total rent credits. So subtracting the $6,000 option fee brings the price down to $194,000. Then, subtracting $7,680 in rent credits ($320 x 24 months) further reduces it to $186,320.


The first website on our list is getrenttoown.com. With this site, you simply put in your desired zip code and click search. It'll show you houses that are for sale because of foreclosure, owner financed, pre-foreclosures, auctions, for sale by owner, and RTO. Once you sign up for the site, you'll get access to contact information, information about the listing, area demographics, and a property summary. The site also has an RTO buyer's guide, overviews, and resources.
I have seen many people find a home with a Realtor, get to the 11th hour and then be told by the mortgage people that there is a “blip” on the credit that will not allow them to close. Never happens with Rent To Own, since I am the bank and property owner, their cash allows them to live as if they are buying and over time, the credit improves as they pay me to live in the house. Sure my interest rate is 7% versus another bank, but I have more risk with this person, as their credit is not as good.
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While rent-to-own transactions are most commonly conducted for purchasing consumer goods at a retail store, this term also describes a specialized real estate agreement. The rent-to-own housing option is typically exercised more often during housing market downturns, such as the late 2000s (decade) financial crisis.[33] Because the most recent housing market downturn was accompanied by protective regulatory scrutiny of lending practices and consumer credit agencies, acquiring a loan has become more difficult for Subprime borrowers.[34] Some have opined that residential home rental may become the new normal, whereas proponents of rent-to-own real estate agreements argue otherwise.[35]

The real estate market is almost impossible to predict one month from the next, let along one year from the next. If you enter a contract with a tenant for RTO, you can lock in a selling price for the duration of your contract. This means that no matter what the real estate market does when it's time for the contract to end, you may end up getting more for your home than it's worth in the current market.
Las Vegas, the most populous city in Nevada, is known all over the world for a number of things: gambling, shopping, nightlife, and fine dining. Despite what some people may think of the city, however, it isn't purely a mecca for entertainment, and it is actually a growing choice among retirees and young families. The boundaries of Las Vegas also stretch beyond the visible city limits, taking in the mega resort area around the Las Vegas strip, as well as the Las Vegas Valley, although exactly what is encompassed by the city is a matter of interpretation.
Those other people with financial constraints may decide to rent a home with the option to purchase it in the future. This process is known as rent-to-own, and while it's not the most common method used in the home-buying process, it remains an option for those in the market for a new home to consider. But what is it, why is it a smart move for some people, and why have others chosen to avoid getting rent-to-own homes?
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As a result of the mortgage foreclosure crisis, banks have increased borrower scrutiny. On one hand, interest rates are still near record lows. On the other hand, mortgages have been difficult for some people to secure. Banks are requiring people to have better credit and longer employment histories than in past years, decreasing the possibility of homeownership for people who experienced job loss, foreclosure, bankruptcy, and other credit ailments as a result of the Great Recession.

This can be a win-win for both seller and tenant. Many sellers offer this option if they are having trouble unloading the house and can no longer afford the mortgage payment. Often, you will find that sellers offering rent-to-own as an option are individuals who have already moved into a new home and are trying to avoid paying double mortgages for the long term.
In April of 2000 the FTC released the results to a survey of 12,000 randomly selected U.S. rent to own customers. This survey represents people who purchased any type of product rent to own industry. Most of the purchases were for home electronics, furniture & appliances. While the purchase prices are far smaller than the cost of a home, many of the concerns are similar to those who are renting a home.
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Rent to own housing is a popular choice for home buyers who may not qualify for a traditional mortgage, or lack the funds needed for a large down payment the lenders require. Rent to own properties help to overcome these situations for those who are ready to commit to a purchase. Buying a rent to own home can provide an easier approach to purchasing a home because it starts with a familiar lease agreement. Buyers of rent to own homes will rent, or lease, the home for a designated period of time. The great benefit for renter-buyers is that over time, a portion of the monthly rent payments are applied toward the ultimate purchase of the home. Plus, the final purchase price is determined up front in a lease option agreement, so there is no risk that the purchase price will rise later.
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.
In a sense, it can slow down the process in a beneficial way for the buyer. Someone with bad credit now not only has a place to live, but a timetable to try and get their credit to a more respectable level in time for the lease to end and a purchase to be made. Someone down on their luck with regards to jobs and illnesses has time to recover physically, mentally and financially without the stress of worrying about their living situation.
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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.
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“As home prices rise and more and more cities are priced out of conforming loan limits and pushed into jumbo loans, the problem shifts from consumers to the home finance industry,” says Scholtz. With strict automatic underwriting guidelines and 20% to 40% down-payment requirements, even financially capable people can have trouble obtaining financing in these markets.
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