How it all works

Are you dreaming of owning your own home but facing challenges with credit or saving for a large down payment? Our Rent-to-Own program is designed to help you bridge the gap between renting and homeownership. With flexible terms, the opportunity to build equity, and support for those with credit issues, this program makes the path to owning a home more accessible than ever. Explore the benefits below and take the first step toward making your homeownership dreams a reality.

• Lock in your future home's price and terms for 6-12 months.

• 100% of your down payment goes toward the purchase price.

• Start with as little as a 3.5% down payment.

• Credit challenges? We offer credit repair and mortgage assistance.*

• Build equity with a portion of your monthly rent.

• Move in fast—typically within 7 days!

Explore Our Rent-to-Own Home Listings

No matter how you choose to buy your home, we’ve got you covered!

Rent-to-Own Frequently Asked Questions

Q: What is The Win Crew Rent-to-Own program and how does it work?

A. Our Rent-to-Own program allows you to lease a home with the option to purchase it at a later date. You lock in the price and terms for 6-12 months (or longer), and a portion of your monthly rent may go toward your future down payment or purchase price. It’s a great option for those who want to build equity while improving their credit or saving for a down payment.

Q. How much do I need for a down payment?

A. Our Rent-to-Own program typically requires a minimum down payment of 3.5% of the home's purchase price. However, many properties offer limited-time opportunities for even lower down payments. The more you can put down, the more flexible the seller can be with the terms. Rest assured, your down payment is applied directly to the purchase price when you decide to buy the home.

Q. Can I still qualify for Rent-to-Own if I have bad credit?

A. Yes, credit challenges are okay! Our program is designed to help those with less-than-perfect credit. We also offer credit repair services to help you improve your credit score while you rent, so you're in a better position to secure a mortgage when it's time to buy.

Q. What happens if I decide to buy the home before my lease ends?

A. There is no penalty for purchasing the home before the end of your lease. You can choose to buy the home at any time during the lease period, and the terms you agreed to will still apply.

Q. Who is responsible for maintenance and repairs?

A. As a Rent-to-Own tenant, you will be responsible for regular maintenance and repairs, just like a homeowner. However, major issues that are typically covered by homeowners insurance will be the responsibility of the seller.

Q. How quickly can I move in?

A. Move-in time is usually fast—typically around 7 days—once you've been approved and the down payment has been submitted. This allows you to start living in your future home almost immediately!

Interested in Rent to Own?