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Before You Get Started
Our application process is simple, fast, and does not impact your credit score. Before applying, please review the general criteria for approval.
Applicants should have a combined household income of at least three times the monthly rent, unless otherwise required by applicable law.
A TransUnion ResidentScore is used to evaluate credit history. In some cases, results may require an additional deposit, a guarantor, or may lead to a denial.
No foreclosures within the past five years.
No bankruptcy filings within the past two years
No eviction judgments or unlawful detainers within the past two to five years, subject to applicable conditions.
Gulfside Property Group | Real Broker, LLC will verify household income and conduct a credit and background check as needed to review eligibility. Applicants may be asked to provide supporting documentation, including bank statements, tax returns, or other materials required for underwriting verification.
FAQs
Your Key Questions Answered on Lease-to-Own Homes
What is a lease option home?
A lease option home allows tenants to lease a property with an option to buy it at the end of the lease term. This setup helps tenants save for a down payment, improve their credit, and confirm the home suits their needs before purchasing.
How does the rent-to-own process work?
In a rent-to-own agreement, part of your monthly rent is applied as a credit toward the future purchase of the home. This accumulated credit can be used as part of the down payment if you decide to buy the home at the end of the lease term.
Can I still participate in Lease Option Home programs with a lower credit score
Yes, our programs are designed to help individuals with lower credit scores work towards homeownership.
What happens if I decide not to buy the home after the lease term?
If you choose not to purchase the home, the rent credits accumulated during the lease period typically do not get refunded.
Are there specific qualifications needed to join a Lease Option Home program?
Qualifications may vary but generally include steady income, a baseline credit score, and commitment to a financial fitness program.
How do lease-to-own terms compare to regular renting
Lease-to-own payments are slightly higher but part contributes to future home ownership unlike regular renting
Lease Options For Flexible Ownership
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