FOR SALE or RENT TO OWN
FOR SALE or RENT TO OWN
Are you ready to own a home and make monthly payments… but you’ve been turned down by banks or can’t qualify for a traditional mortgage?
You’re not alone. A large percentage of people today can’t qualify for conventional financing even if they have steady income. Maybe your credit isn’t perfect yet, you’re self-employed, or you’ve had something in your past that’s holding you back.
That doesn’t mean you shouldn’t have the opportunity to own a home.
So what are your options? Keep renting?
Paying someone else’s mortgage… dealing with rent increases… rules you can’t control… and never truly feeling like the place is yours?
Most people don’t want that long-term especially when they’re ready for stability, control, and a place their family can actually call home.
If this sounds like you, then keep reading (and check out the videos below) to see if our Rent-to-Own / Path-to-Homeownership Program could be the right fit for you.
What is Rent to Own?
Can I get a Home with Zero Money Down?
What Can I Expect to Pay
How Does Equity Enhancement Program Work?
Ready To Become a Home Owner?
Schedule a Call with Derek Dombeck by CLICKING the button below
What is Rent to Own?
Can I get a Home with
Zero Money Down?
What Can I Expect to Pay
How Does Equity
Enhancement Program Work?
Can you afford a home but keep getting denied by the bank?
You’re not alone. Traditional lenders turn away a lot of qualified buyers for reasons that don’t always reflect your real situation.
At iBuyHousesWI, we offer a different path to homeownership. Our program lets you move into a home now while working toward buying it over time instead of waiting years to qualify.
You’ll make an initial investment (credited toward your purchase) and consistent monthly payments, all while following a clear path to ownership.
Credit challenges won’t automatically disqualify you we care more about your ability and commitment to become a homeowner.
If you’re ready to stop renting and start working toward owning, this could be the right fit.
I’ve Been Denied By Banks Before. Can I Still Qualify For Your Program?
Yes — Our Rent-To-Own program is designed to help people move toward homeownership while improving their financial profile along the way. We do require an initial option payment/down payment, which is typically between 3-10% of the purchase price depending on the property and your situation.
That amount is credited toward the purchase price when you buy the home. More importantly, we’re looking for people who are serious about becoming homeowners and willing to work through the process with our team and lending partners. Credit challenges alone do not automatically disqualify you.
Can I Join The Program If I’m Not Able To Eventually Qualify For A Mortgage?
Unfortunately, no. Our goal is to help people become homeowners and not place someone into a home if there’s no realistic path to purchasing it later. Before approving someone, we carefully evaluate whether there’s a strong likelihood they’ll qualify for financing during or at the end of the lease term.
Are There Any Realtor Fees Or Commissions?
No. Since we purchase and sell homes directly, there are no realtor commissions involved in our Rent-To-Own program. You will, however, need an upfront option payment/down payment (typically 3-10%), which is applied toward your future purchase price. You’ll also be responsible for monthly payments and normal home-related expenses during the lease period.
Do My Monthly Payments Go Toward The Purchase Price?
Monthly payments are considered lease payments and generally do not reduce the purchase price directly. However, unlike traditional renting, our program gives you the opportunity to secure a home now while working toward ownership in the future.
What Happens If I’m Not Ready For A Mortgage At The End Of The Lease?
This situation is uncommon because we work hard upfront to make sure applicants are positioned for success. If additional time is needed and we believe you’re still making progress toward qualifying, there may be options available to extend the agreement on a case-by-case basis.
How Long Does The Rent-To-Own Process Usually Last?
Every situation is different, but most buyers complete the program within 12-24 months. The timeline depends on factors such as credit improvement, income verification, savings goals, and lender requirements. We often work alongside mortgage professionals and credit specialists to help guide the process.
Who Is A Good Fit For The Rent-To-Own Program?
This program is ideal for people who want to buy a home but need extra time before qualifying for a traditional mortgage.
It’s commonly a great fit for:
- Buyers rebuilding or improving credit
- Self-employed individuals needing more income history
- Families saving for a larger down payment
- Buyers who want time to strengthen their loan qualifications
- People who can afford a home now but need a clearer path to financing
The best candidates are motivated individuals who are committed to becoming homeowners.
