1.  What is the Rent to Own program?

Rent to Own Programs (“RTO Programs”) allow you to find a home that you want to rent initially, but you may also like to buy at any time within the next five years.  We believe that there are many households who may be thinking about buying a home but for whatever reason would like to rent at the current time. You can lease the home for up to five years and you may purchase the home at any time at a predetermined price in accordance with the Right to Purchase agreement.

2.  Who is eligible for the RTO Program? 

Our RTO programs have certain minimum criteria for qualification. Your household must have an annual income of $45,000+. You must have stable employment. We cannot accept you into our program if you or anyone in your household has a history of eviction or a pending bankruptcy. Everyone in your household will be subject to a criminal background check.

3.  How do I apply to the RTO Program?

The application process is painless and easy. The first step will be completing a pre-qualification questionnaire.  It's completely free and will ask you several simple questions.  Provided you meet the basic minimum qualifications for approval, once you complete your full application you're ready to start viewing homes!

4.  Do you own the homes shown on your website?

No. The homes shown on our website are listed for sale in the Sacramento Metro market. This list of homes automatically feeds into our website from a listing service and is updated on a regular basis. However, there is a possibility that a home shown on our website does not meet our minimum eligibility criteria. The information on available homes shown on our website is for informational purposes only and cannot be guaranteed.  

5.  How do I find a home once I’m approved?

We will help you search for homes that meet our purchasing criteria. Generally, this means that the home should be:
 
1. Located in an approved community.

2. Listed for between $200,000 and $700,000, though exceptions apply.

3. Located on a lot no more than three acres with a minimum of two bedrooms.

4. A single family home, condo or fee-simple townhome.
 

6.  How long does it take from when I select a home to when I move in?

On average, it takes approximately five to six weeks from the time we enter into a purchase agreement for a home until the day you are able to move in. There are a number of variables that may affect the move-in timeframe, including the length of negotiation with the seller leading up to when we enter into a purchase agreement, what the home inspection reveals with respect to required repairs, etc.

7.  What happens after I move in?

You are the tenant, and the RTO program is your landlord. You have entered into a lease with them for one year and are bound to the terms of that agreement. They will collect your monthly rent and perform any necessary repairs that are their responsibility after you move in.

8.  Are the monthly rent payments that I make applied to the purchase price of the home?

No. Monthly rent payments are not applied to the purchase price of the home. If you decide to exercise your Right to Purchase, you must pay the full predetermined price as set forth in the Right to Purchase Agreement.

9.  Can I have pets in my home?

Yes! Our RTO programs do allow up to three pets (cats or dogs) with a max weight limit of 180 pounds total. There is a $300 per pet fee. This fee is due with the required deposit and is refundable in the event you purchase the home. Otherwise, it is not refundable.