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How to Rent to Buy Your Next Home Without Rent to Buy Investors

Jun 27, 2008
Today more then ever, more and more people are looking at Renting to buy their home, due to the credit squeeze of the sub prime mortgage market. What most people don't realize is that they don't need to rely on professional Rent To Buy investors to secure their own home. By simply using a basic marketing system, it is possible to find and move into your own home within 12 weeks!

So, if you have been asking yourself, could I ever secure my own Rent To Buy Home without an investor, the answer is a definitive YES. In this article, we are going to cover the three main way to make a Rent To Buy deal work, and you can use this to decide what way would be best for you and your family.

Before you decide what Rent To Buy purchase would be best for you, please consider your income, your budget, your credit rating and more importantly, the needs of your who family.

The Rent To Buy method covers various different ways to make a Rent to buy purchase work, so lets cover the three most common ways.

Method one for Rent To Buy is what we call Lease with the Option to purchase. The paperwork to support this method is a normal residential lease agreement and a call option deed. The lease agreement gives you rights to occupy the property and the call option deed gives you control of the asset financially for the term of the agreement. The buyer gets to try before they buy using this rent to buy method.

Method two for Rent To Buy is what we call a vendor financed deposit. The paperwork to support this method is a contract for sale of land, a second mortgage loan agreement and usually, a caveat to protect the title. Using this method, the buyer gets to buy the home using normally mortgage finance, and the vendor (owner) of the property offers vendor finance to fund the buyers deposit. The buyer will normally need clean credit to qualify for this rent to buy method.

Method three for Rent To Buy is what we call a terms contract. The paperwork to support this method is a contract for sale of land and a consumer credit code compliant installment credit contract. The buyer makes payments to the owner for a period of time that they both agree, so in basic terms, its like a delayed settlement with regular payments to occupy the property.

So, as you can see, these three Rent To Buy methods can make the prospects of owning your own home much easier then needing to qualify for a home loan under normal circumstances. The We Buy Homes Rent To Buy methods are always treated as an open book policy, so that everyone knows to good and bad points of Rent To Buy before they jump into such a deal.

Always remember to get independent legal advice before signing any documentation, and you should find yourself in a safe and profitable venture moving forward.
About the Author
Dallas Kelso shows regular people how to locate Rent To Buy homes without needing Rent To Buy investor middlemen. You really can own your own home without stepping inside a bank.
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