Custom
Rent-to-Own Program
Our Custom Rent-to-Own Program
This program is designed for buyers who know they want to own a home — just not one we already have in inventory. It's also ideal for those who want to choose their own home rather than select from available listings.
Our inventory homes rent quickly. Demand consistently outpaces supply, which means the right home for your family may not be available when you're ready. The Custom Rent-to-Own program solves that. We purchase the home on your behalf, you move in, build equity through rent credits, and transition to ownership on a realistic timeline.
Approval Process
Start with an application. We review your credit, criminal background, and eviction history — not looking for perfection, just transparency. Once we're comfortable moving forward, we'll notify you of approval and collect a $3,750 non-refundable deposit. This signals your commitment and allows us to engage our realtor on your behalf.
Finding Your Home
Our realtor begins searching immediately based on your criteria and price point. We do require you work with our realtor, since we are the ones placing the home under contract. Once you've chosen a home, it goes under contract and the remainder of your minimum 10% down payment is collected within 14 days. That figure may be adjusted based on agreed-upon repairs and improvements.
A Word on Home Condition
We strongly encourage you to consider homes that aren't move-in ready. Here's why: a home that needs work typically allows you to purchase at a higher value point, customize the improvements to your taste, and benefit from the equity created by those renovations. Renovating and improving properties is what we do particularly well.
If you choose a move-in ready home, it must be accepted as-is — no customization.
Understanding the Numbers
A useful rule of thumb: budget monthly payments around 1% of total acquisition cost (purchase price plus repairs and renovations).
Example 1 — $300,000 Home Estimated Monthly Payment: $3,000 Monthly Rent Credit (10–15%): $300–$450 Total Credit After 36 Months: $10,800–$16,200
Example 2 — $375,000 Home Estimated Monthly Payment: $3,750 Monthly Rent Credit (10–15%): $375–$563 Total Credit After 36 Months: $13,500–$20,250
Example 3 — $450,000 Home Estimated Monthly Payment: $4,500 Monthly Rent Credit (10–15%): $450–$675 Total Credit After 36 Months: $16,200–$24,300
That accumulated credit stacks on top of your original 10% down payment — putting you in a meaningfully stronger position when it's time to qualify for a mortgage.
The purchase price at transfer is based on a current appraisal and will include a minimum 5% premium over our original total acquisition cost.
Our Commitment to You
Every interaction we have is built around a win-win outcome. We encourage you to retain an attorney of your choosing to protect your interests throughout the process. Our reputation in the greater Charlotte area speaks for itself, and we intend to earn your trust at every step.
Ready to get started? Call 704-246-7652 or apply online.