LEASE TO OWN | RI Partners Group

Lease to Own
Home Ownership Program

Hello Future Homeowner! If you're in the market for a home but find it challenging to meet the requirements for a traditional mortgage, you've found the perfect solution. Our team comprises a network of real estate investors operating across the country, specializing in the buying and selling of homes. Through our home ownership program, you have the opportunity to purchase your next home directly from us.

It does NOT matter if you have bad credit, bankruptcy, late payments, judgments, liens, tax problems or charge offs, you can still purchase a house from us. Even if you don't have verifiable income. We believe that *everyone* has a right to own their own home.

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We Have Beautiful Homes For You

What do we Have Available?

Discover a collection of exquisite homes situated in desirable areas boasting exceptional neighborhoods and renowned schools. Most of our properties are less than five years old and maintained in near perfect condition, making them a remarkable find. While a few homes may require some renovation, the majority are move-in ready and offer incredible value.

Immerse yourself in the allure of our homes, featuring stunning new kitchens and luxurious master bathrooms. Enjoy spacious master bedroom suites and fenced-in yards, perfect for both children and pets. The majority of our properties boast expansive two-car garages and ample storage space, ensuring convenience and functionality.

Within this web page, we will guide you through the straightforward steps to becoming a homeowner. These steps are designed to be simple, time-efficient, and even exhilarating, particularly when you embark on the search for your new dream home.

We've made the process of owning your own home incredibly accessible, providing you with a place to call your own and fostering a sense of pride in homeownership. Many of our previous buyers had faced repeated rejections from banks and mortgage brokers, despite the banks' claims of accepting "bad credit." They never imagined they would be able to fulfill their dreams of homeownership until they joined our program.

This web page will furnish you with all the necessary information to secure your new home in as little as 7 to 10 days. Our services come at no cost to you; we earn our income from property sales. Furthermore, there is no obligation on your part. If you find what you see appealing, simply inform us, and we will initiate the process and provide you with a list of available properties. Conversely, if you determine that it is not the right fit for you, there will be no hard feelings. It truly is a straightforward and transparent process.

How do We Buy Properties

Every day, we receive numerous calls from homeowners who are eager to sell their properties. If we determine that these homes align with the preferences of buyers like you, we acquire these properties and offer them to our "Registered Buyers."

We purchase properties from sellers who may be facing difficulties in selling their houses or simply seek a quick sale. The reasons behind their decisions are as diverse as the sellers themselves. Our primary concern is to ensure that the deal we strike resolves the seller's problem, proves profitable for us, and aligns with the needs of our "Registered Buyers." We do not engage in exploiting distressed buyers or sellers. Our belief is that we achieve the most success by genuinely assisting people, which allows us to sleep better at night. By the way, if you are interested in selling your home, please click here. We will present you with an offer within 24 business hours, giving you ample time to evaluate if it suits your needs.

As a result of our operations, we accumulate a significant number of properties and constantly seek reputable individuals to whom we can sell them. Fortunately, thanks to this website, we have an abundance of people interested in purchasing our houses. Shortly, I will explain how we structure the home purchase deal with you. However, first, let me share the second way we can assist you in finding a home.

If our current offerings do not meet your requirements or if you perceive intense competition among our buyers for the available homes (due to the large number of participants in our program), we can still lend a hand. Here's what you can do:

Once you register with us, you gain access to every home listed as "For Sale By Owner" or "For Rent" in newspapers or with yard signs. If you identify three to five properties that you like, we can usually negotiate with the seller and create a deal that aligns with your needs. Just inform us of the properties you are interested in.

We will engage in negotiations with the seller to structure the purchase in a way that suits your situation. These arrangements often result in win-win-win scenarios for the seller, us as the intermediary buyer, and you as the end buyer.

Now that you know how you can find your new home, whether through our weekly list or by exploring "For Sale By Owner" or "For Rent" properties, let's move on to...

You too can become a home owner...

and you don't have to wait.

How Can You Buy Your Next Home From Us?

Here is how we do it. We sell you the property "Rent To Own." This means that you will be purchasing the property from us. We will lease the property to you for a specific period, typically 1-2 years based on your circumstances. During this time, you will have the option to buy the property from us at a mutually agreed-upon price established when you initially move in.

When you move in and decide to purchase the house, you will also pay a "Lease Option Fee." This fee will be applied towards the home's purchase price and will typically reduce or even eliminate your down payment when you eventually obtain a 30-year mortgage from a bank. The minimum "Lease Option Fee" we accept is $2000, plus the first monthly lease payment. For instance, if the monthly lease amount is $1050 and the "Lease Option Fee" is $2000, you will need $3050 to finalize the deal and move into the house. Does that make sense?

Each property has a different "Lease Option Fee" amount. When you register online, please let us know how much you have available for the "Lease Option Fee," and we will strive to provide you with a list of houses that align with your specifications. For example, if you have $5000 for the "Lease Option Fee," we recommend not requesting the list of properties with a $10,000 "Lease Option Fee" as it may lead to disappointment and frustration. We encourage you to be realistic about what you can afford to ensure that your payments do not cause undue stress.

Our ultimate goal is to help you qualify for a mortgage in the future and refinance the house, paying us off and putting you on the deed. Remember, you do not need to qualify for a mortgage right now. We have established strong relationships with reputable and understanding mortgage brokerages. These professionals are "good people" who we would like you to speak with. Please note, we don't expect you to qualify for a mortgage immediately; in fact, that's likely why you sought us out and are considering our program.

What we want to determine is how soon you will be able to qualify. For some individuals, it may be a matter of a few months, while for others, it could take one, two, or even five years. The duration doesn't matter to us; what's important is not rushing you into a program that doesn't allow sufficient time for you to stabilize your finances and obtain a loan when the time is right.

Our mortgage broker is enthusiastic about conducting your prequalification for a mortgage because they understand that there is a good chance of earning your business down the road when you are ready to take out a loan. They will not treat you poorly like many other mortgage brokers simply because they cannot offer you a loan right now. Just like us, they are focused on long-term relationships.

So, the first step we request is a quick 20-minute phone conversation with the mortgage broker. There's no need to meet them in person, and rest assured, they maintain 100% confidentiality. By the way, there's nothing you could disclose that would shock us, regardless of how challenging your current situation may seem. Remember, there were over 1 million bankruptcies in the United States last year alone, and many more individuals have poor credit. The mortgage broker will ask you a few questions about your income, employment status (or lack thereof), and review your credit report to identify any surprises. With this information, they will be able to determine precisely how long it will take before you can secure a bank loan.

As a side note, this applies to approximately 10% of you reading this. Occasionally, we discover that you actually qualify for a home loan right now. You may have believed that your credit was poor, but upon reviewing your credit report, we find that the negative factors you thought were significant do not have as much impact as you anticipated. If this happens, it's fantastic because it opens up more options for you. You can consider purchasing any home within your price range on the market. Of course, we would still be delighted to sell you one of our homes, but we also want to provide you with the opportunity to explore what else is available out there.

In such cases, we will connect you with a real estate agent who specializes in working with buyers. They are not pushy and will dedicate the necessary time to assist you in finding a property. They will guide you through the process and accommodate your preferred method of communication, whether it's in-person meetings, screen-sharing sessions, email, or traditional mail. We extensively search for skilled agents who are true professionals to ensure you receive exceptional service.

However, please keep in mind that this applies to only about 10% of those reading this page. What we specialize in is working with the remaining 90% of individuals.

After you speak with our mortgage broker, we will send you an official "Buyer Registration And Qualification" email. Congratulations! You are now officially registered as one of our potential buyers, and remember, all of this is completely free, with no obligation whatsoever.

Now, let's move on to the exciting part...

Now Its Time to Start Looking at Houses

We offer two options for you. First, we have properties available for sale, and whenever we acquire a new property in your desired area, we will send you an email notification.

However, due to high demand, with approximately 183 active buyers like you and more joining every day, our properties tend to sell quickly. To address this, we came up with a fair solution. We now send the property notification email to everyone simultaneously, and it becomes a "first come, first served" basis. The first family interested in a property and ready to proceed will have the opportunity to purchase it.

We understand that you may not feel comfortable acting quickly at the beginning, and we respect that. We want you to inform us when you're ready to take the next step. Often, when buyers initially register with us, they take their time exploring the available properties, allowing some opportunities to pass if they don't meet their exact preferences or if they need time to become familiar with the process.

Over time, our registered buyers become more comfortable. They learn about the available properties within their budget and familiarize themselves with different neighborhoods. As they build trust in us and realize we deliver on our promises, they become more willing to make offers on houses with short notice. We won't rush you; only you know when a house feels right for you. If it's not the right fit, don't worry. We constantly acquire new properties, and there will be more opportunities. We want you to make an informed decision that aligns with your comfort zone.

Once you receive your official "Buyer Registration And Qualification" email from us, we will start sending you properties to consider. The frequency of emails can vary, depending on the number of houses we acquire. Sometimes there may be one or two properties per week, while other times there may be 15 or 20. If a property catches your interest even slightly, we encourage you to visit it promptly. Often, you can gauge your interest by simply driving by, observing the exterior, yard, and the neighborhood. In fact, about 75% of the time, these visual cues can give you a sense of whether the house suits your preferences or not.

If you find a property interesting, it's time to take action and call us. One of our representatives will schedule a convenient time to show you the property in person. They will provide access for you to explore the house, check its condition, and get a feel for its size and layout. Take your time inside, sit down, and absorb the atmosphere. You'll know when a house resonates with you and feels like home. Once you've made your decision, it's time to proceed to the next step.

Before we move forward, I kindly request a favor. If you visit a property without one of our representatives, please refrain from knocking on the door. The property may still be occupied by the previous owner or a tenant entitled to privacy. Disturbing them causes issues for us, as we have many people interested in our properties. It's only fair to respect their privacy.

Now, let's discuss the next step, which involves completing the necessary paperwork. When you meet with our representative to view the property, they will bring all the required documents. If you decide, "We want it!" our representative will fill out the paperwork and explain its contents. The paperwork covers important aspects such as the move-in date, price, terms, monthly payment, duration of the option, responsibilities outlined in the agreement, and the consequences if either party defaults. We believe in treating you like an owner from the moment you move in. We trust you to take care of the property as if it were yours because, ultimately, you will be the owner once you complete the purchase. Our success lies in helping you succeed in buying your dream home, and it's also gratifying to see happy homeowners.

If you have any questions or concerns about the paperwork, feel free to consult your attorney before signing. We will never pressure you to buy; we want you to feel 100% comfortable with your decision. The agreement becomes binding only when you transfer the funds for the "Lease Option Fee" and the first month's payment. To activate the purchase agreement, we accept certified funds such as wire transfers, cashier's checks, or certified checks. Cash payments are not accepted.

We implement this process because we don't want to tie up a property with someone who may not be able to fulfill the financial obligations or needs more time to decide. There may be other interested buyers waiting for a chance to purchase the property, and it wouldn't be fair to hold it without genuine commitment. As mentioned earlier, it truly operates on a "first come, first served" basis. Therefore, it might be wise to accompany our representative to your bank when signing the agreements and obtain a cashier's check to secure the property and finalize the deal.

Regarding securing the property, we want to emphasize that we never want you to feel pressured into making a decision before you are fully ready. If you aren't completely sure about a particular property, rest assured that we regularly acquire new properties, and there will be more options in the future.

Thank you for taking the time to read this comprehensive information. If you have any further questions, please don't hesitate to email us. To get started, simply scroll down the web page and fill out the "Buyer Questionnaire." It will only take around 5 minutes of your time, and those few minutes can potentially change your life. The moment you submit the form, our system begins working for you, exactly as I described. Remember, the "Buyer Registration" process is completely free, and you are under no obligation to purchase our properties. In fact, we want you to buy only if it's the right fit for you.

Whether you decide to proceed or not, I wish you the best in all your endeavors. Your dream of homeownership can finally become a reality by taking action and completing the form.

Thank you again for considering our services, and we look forward to assisting you on your journey.