Rent to own homes provide you with the opportunity to lease a property for a certain amount of time before deciding whether to purchase it. While many standard leasing periods range from two- to- five years, specific timeframes and eligibility requirements will vary by seller.

It's both a lease to rent a home and a deal to buy it, rolled into a single document, so it has more moving parts and quirks than either document.

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Rent to own homes offer a classic win-win arrangement for both home buyers and sellers. It offers a great a solution for buyers needing an affordable and accessible path to home ownership. And sellers use it to help maintain cash flow, keep the property under careful tenant care, and finalize the sale.

For many, the rent-to-own home may be the best option. Also called a lease-to-own house, the process works similarly to a car lease : Renters pay a certain amount each month to live in the house, and at the end of a set period — generally within three years — they have the option to buy the house.

Rent to own, which is also known as a lease purchase, is a contract between you and the seller to buy a house at a future closing date. This can be anywhere from one to three years after the contract is signed.

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With lease-to-own, you can rent while living in, and paying off your home. It’s an alternative option to homeownership for people who have lower than average credit scores, or who may not have enough saved for a down payment. Read our library to learn more about how credit impacts your chances of buying a home, and how to improve your credit score.

If you want to buy a home but can't qualify for a mortgage, renting a house with a purchase option might be a good solution. With a rent-to-own.

Rent to own properties, while more difficult to find in a hot real estate market, present a viable option for buyers with credit challenges or low down payment funds. This approach also can benefit sellers having difficulty selling a property to realize a benefit from a rent-paying tenant while moving forward on a future sale.