Home Ownership Made Easy
Live In Your Dream Home While You Build Savings Towards Ownership.
How Our Program Works
Get Prequalified
Fill out pre-qual form
Search Our Available Homes
Search properties and find one you like
Talk To One Of Our Agents
Connect with an agent and view the home
Submit Earnest Money
If you like the home, submit earnest money to secure it and begin the approval process
Complete Approval Process
Complete approval process. If not approved, earnest money is 100% refundable.
Complete Contracts
If approved, agent will complete contract work for tenant buyers to sign.
Collect Down Payment & Rent
Once contract is signed, collect down payment plus prorated rent
Move Into Home
Tenant buyer receives keys on lease start date and moves in to home
Complete Move In Process
Owner will set up tenant buyer with online monthly payments and direct them on how to switch utilities into their name.
Why Should You Choose RTO?
Live In Your Dream Home
Live in the house you plan on purchasing before actually purchasing.
Build Equity
Build equity and capture appreciation in the home.
Add Value To Your Home
Have the ability to do upgrades to your home and capture any value you add to the home through those upgrades.
Easy Approval Process
Very easy approval process and low down payment to get into the home.
Reach 10% Faster
Once you reach a 10% down payment you automatically roll into owner financing, so a portion of your monthly payments will go towards the principle of the home exactly as if it were a traditional mortgage.
Guaranteed Homeownership
Guaranteed homeownership as long as you satisfy the lease term, reach a 10% down payment position, and make on time monthly payments.
Frequently Asked Questions:
A: If you are not approved for a certain property, the earnest money is 100% refundable! We can either hold on to the earnest money to apply to another property that you qualify for or we can refund 100% of it.
A: It can take less than 24 hours depending on how soon the applications are completed and submitted back to the agent!
A: Because it is a rent to own, the tenants are considered to be the homeowners so repairs are technically the responsibility of the tenants. However, most landlords will include a 12 month home warranty that covers all kitchen appliances and utilities!
A: The monthly payments cover your property taxes and homeowners insurance throughout the term of your lease so you will not have to worry about saving up money for those items!
A: You will not be penalized for getting sick or receiving an education! We will overlook all medical and student loan debt.
A: Once you reach a full 10% down payment and have completed your 3 year rent to own lease term, you will then receive your “contract for deed”. You may then obtain financing through a bank or choose to stay on the owner financing.
A: You only need 3% available to put down upon move in! We offer a 100% interest free down payment assistance loan to help you reach a full 10% down payment within 30-60 months of your lease start date. When you execute your right to purchase, your full 10% down payment will be applied towards the purchase price!
Have Some Questions?
Call us at (618) 841-4136
Ready To Start Shopping For Homes?
Live In Your Dream Home While You Build Savings Towards Ownership.