Rent to Own Homes No Bank Needed
Skip traditional financing with owner financed and rent-to-own properties. Bad credit OK, low down payments, flexible terms. Over 3,000+ properties in 300 cities across 20 states.
Why Owner Financing Beats Traditional Rent-to-Own
✅ Owner Financing (Better)
- ✓You get the deed immediately - you're the owner
- ✓Build equity from day one
- ✓Tax benefits as a homeowner
- ✓Can modify or improve property
- ✓Protected by real estate laws
❌ Traditional Rent-to-Own
- ✗You're still just a renter
- ✗No equity until you buy
- ✗No tax benefits
- ✗Can't modify property
- ✗Can lose option money
Rent to Own Homes Available in 20+ States
Browse owner financed and rent-to-own properties across the United States. Click any state to see available properties.
Texas
500+ properties
Florida
400+ properties
Georgia
300+ properties
California
250+ properties
Arizona
200+ properties
North Carolina
180+ properties
Tennessee
150+ properties
Ohio
140+ properties
Michigan
130+ properties
Pennsylvania
120+ properties
Illinois
110+ properties
Indiana
100+ properties
Missouri
90+ properties
Alabama
85+ properties
South Carolina
80+ properties
Kentucky
75+ properties
Louisiana
70+ properties
Oklahoma
65+ properties
Arkansas
60+ properties
Mississippi
55+ properties
Benefits of Rent to Own & Owner Financing
No Bank Required
Skip traditional mortgage requirements and lengthy approval processes
Bad Credit OK
Many sellers work with all credit situations, focusing on down payment
Low Down Payment
Start with as little as 3-5% down instead of 20% banks require
Fast Move-In
Close in 7-14 days instead of waiting 30-45 days for bank approval
Flexible Terms
Negotiate payment terms directly with the seller
Build Equity
Start building home equity immediately with owner financing
Frequently Asked Questions
What is rent to own?
Rent to own, also called lease-to-own or lease-purchase, is when you rent a home with the option to buy it later. With OwnerFi, we focus on owner financing which gives you immediate ownership benefits unlike traditional rent-to-own.
Is owner financing better than rent to own?
Yes, owner financing is typically better because you get the deed immediately and start building equity from day one. Rent-to-own means you're still a renter until you exercise the purchase option.
Can I get rent to own with bad credit?
Yes, many sellers offering owner financing and rent-to-own options work with buyers who have bad credit, focusing instead on down payment and monthly payment ability.
What states offer rent to own homes?
OwnerFi has owner financed and rent-to-own properties in 20+ states with over 300 cities, including Texas, Florida, Georgia, California, Arizona, North Carolina, Tennessee, Ohio, and more.
How much down payment do I need?
Down payments typically range from 3% to 10% for owner financed properties, much less than the 20% banks require. Some programs start with just first and last month's rent.
Find Your Rent to Own Home Today
Browse thousands of owner financed and rent-to-own properties. No bank needed, bad credit OK.