Few homeowners/landlords realize the abundant number of advantages of the rent to own option. This type of renting is a win for FSBO home sellers with a great house, a home needing repairs, a home with not much equity, or homes in a "buyer's market". Making your home available as a "rent to own" will greatly increase the demand from potential tenants.
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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Your debt-to-income ratio can have a negative impact on your credit history and stop you from obtaining a mortgage if it is on the high end. By entering an RTO contract, the individual with a high debt-to-income ratio won't be adding on more debt right away. They usually have two or three years to straighten out their finances and lower their debt-to-income ratio, so they qualify for a mortgage.

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Are you serious? NO ONE in their right mind would sell their home under the terms you describe. I have NEVER seen an article on a RTO anywhere on the internet so misinformed as yours. Just ask yourself, would YOU agree to lock in a price – negotiated at todays market – to sell your home 3 years in the future for a measly 1% of the purchase price as your only incentive?!?!? $2,000 to sell your $200k home with no further financial penalty to the buyer if he changes his mind? Locking in a price based on todays market to an unqualified buyer and a fixed rent amount would be insane for the seller. No owner with half a brain would agree to this. An option fee of at LEAST 3% (non-refundable) and a rent premium of at least 20% would be the MINIMUM any savvy seller would/should accept. Why is paying a rent premium a “horror story”? ALL the rent premiums and option fee are applied to the purchase price when the buyer exercises his option, a “forced savings” for the buyer if you will. Gives the buyer incentive to complete the deal and the seller incentive to lock in a fixed price/rent. If you have a house you would sell to me under the terms you describe, sign me up. What have I got to lose? I could negotiate a price based on todays market, live in your house at market rents with none of the ownership responsibilities, watch my equity grow with my only risk being 1% of the value we agreed on. I wouldn’t even exercise the option. I would just sell the option and collect the equity you put up all the risk for and traded away for chump change. This article is ridiculous. Please remove it, or at least correct it as you are misinforming buyers what they should reasonably expect in a RTO.
The house is valued about $173,841 by Zillow and $178,836 by eppraisal.com and $202,449 – $237,658* by homegain (which I think is more accurate if it wasn’t for the current market). The home sold in Dec 2012 for $168k to this investment company. The current rental rate at $1650/mo even for this house I think is high given what surrounding homes have advertised for rent.
A 15% rent rebate off of market rents, a price negotiated at todays prices and locked for 3 years, all the equity gained during that time in my pocket, none of the risk or burden of a home owner, the right to sell my option and make a huge profit off your house, and all for 1% of the price we agreed to, which I get back if I buy the house. Incredible. Incredibly stupid.
I am in a situation where I was in a lease with option to buy home and the SELLER needed back into the home due to financial/legal difficulties. We were given a date they needed to be in by and told if we wanted to buy the house now we could if not then they needed back into the home. We were not in a position to buy the home at that time and had 2 more years left on the contract but agreed to move out (due to the selling price of the house compared to homes being sold around it was significantly higher) . In this situation what happens to the option money that we put down? Should it be refunded since they broke the contract?
Transportation and CommutesLas Vegas has a lot of options for transportation, both public and private. RTC is one such public system that offers a bus service throughout the main city and other suburban areas in the valley. For a quick commute to the Strip from Downtown, or to reach the Convention Center or Town Square, a transit link exists called the Strip & Downtown Express. As you may expect, this service includes few stops, and is intended to ease congestion on the major traffic routes between the city's major hubs of activity. For drivers commuting into the city from outlying areas, two major interstates -- 15 and 515 -- cross over into downtown Las Vegas, making the city easily commutable. In addition, taxis are readily available for easy trips, and the city has a walkability rating that puts it at number 25 on the USA's most walkable cities.
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My father has a house that my husband and I are interested in purchasing, but won’t have the down payment. Although we do have excellent credit, we just want to pay off some other obligations before starting to save for a down payment. I know my dad would be open to other options, would you recommend the lease to own, my dad acting as the lender, or a installment land contract? Additionally, what type of outside party would we need to facilitate this, if any (i.e. real estate agent, attorney, etc.)?
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I have entered into a Lease with purchase option on my property with a single lady + her 2 minor children. Its only been 4 months and she already has her boyfriend living there, is he considered a unauthorized tenant?? She does not take care of the property, the grass has not been mowed in 5 weeks its 18″ long. The carport is now filled with all her storage items out of her storage bldgs, appliances, furniture, boxes, etc. and the carport is wrapped in thick plastic. The driveway is filled with debris, bicycles, cement mixers, ladders, grills, fencing materials, etc. She now parks in the grass. She has made alterations to the home without my permission and her boyfriend is doing it, not a licensed plumber or electrician. She is late at least 4-5 days on her rent every month since she moved in. I believe this is enough reason for eviction. Just wondering your suggestions. Thank you.
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Broker Remarks:  Rent to Own Option Available. step into this darling and beautiful, remodeled 2 bedroom, 2 bathroom home where every detail has been considered for your benefit! large living room with gas fireplace; coat closet; remodeled kitchen; remodeled powder room; spacious and private fenced in, no-maintenance, astro-turf yard with shed f... more...

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And I don’t follow your example. First, we charge rent of about 1% of the value of the home. That’s the market in Ohio. Second, I don’t follow how you conclude a negative amount to the seller. Take a $130,000 to $140,000 home. We would set the lease-option at the high end and get a non-refundable lease-option of $1,400. We charge rent of let’s say $1,300, just a tad below 1% and offer let’s say a $200 per month credit should they buy the home. Assuming they buy at the end of 3 years, they have a credit of $8,600 ($1,400 + ($200 x 36 months). So they pay us $131,400.

This property is available on a rent-to-own basis. $1260 per month $5,999 down (goes towards purchase price) (Rent to own purchase price of $188,500) ... and this lovely rent to own home can be yours! Bad credit ok! No credit = no problem! **to learn more about how rent to own works, or to get exclusive access to my list of rent to own homes that you can't find anywhere else, please visit http www.stoppayingrentpnw.com** Recently renovated main bathroom with Jacuzzi tub with ornate tile floors. New 30 yr. roof was put on approximately 6 yrs. ago. Sits on a 0.24 acre with a shed in back. Big master with walk in closets that has built in California style closets. Has sunsetter awning in back and kitchen has tile flooring. Home has security system. Corner of quiet cul-de-sac and great neighbors. Nice central heating system. Call to schedule a showing today!
Broker Remarks:  Rent to Own Option Available. welcome to your next home! take advantage of this 2 bed 2.5 bath home in cherry creek school district. this home has been vastly updated in the kitchen and every bathroom. property backs to small green space which makes time on the balcony a treat. this end unit has its own yard/garden area. its ... more...
My understanding is that it is ILLEGAL for a seller of a home to give money to a buyer of the home for the down payment. That would be a gift. Simply giving the buyer back the rent credit and option money toward the down payment is doing just that – “gifting” the buyer the down payment. Gifted funds and sources of those funds are STRICTLY regulated. I can see agreeing to pay the buyer’s closing costs up to the amount of the credits and option fee. Lowering the sales price by the amount of the credits and fee will lower the appraisal value (I have seen this happen), so that is risky. Your thoughts?_

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3. Maintenance: Having the tenant pay for maintenance is a great plan (so long as you have confidence they’ll keep the place up). I’ve never views something like a refrigerator as maintenance, but it could be if you write the contract that way. I roof is a closer call, although you’d eat up the $500 fast. One way to look at it is that capital improvements are not maintenance. But again, the key is to be clear in your agreement.
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