Qualify for $0 Down

BenefitMany currently offers homes in East Texas, with a focus on the Tyler, Jacksonville, Rusk and surrounding areas. We are actively expanding, so contact us if you're interested in a specific area and we'll let you know our plans.

Homes marked "Qualifies for $0 down" let you rent for up to 24 months before you buy. If you make 12 or more consecutive on-time payments during that window, you qualify to purchase the home with $0 down — no down payment required. If any payment is late, the 12 month count starts over.

Your rent is calculated at the interest-only on the home's full purchase price at a flat 10% annual rate, then rounded up to the next whole dollar. For example, on a $118,000 home: $118,000 × 10% ÷ 12 = $983.33, rounded up to $984/mo.

Your 12 qualifying payments must be consecutive and on-time. A missed or late payment resets your count — you can keep renting toward the 24-month window, but you'll need to start a new streak of 12 consecutive on-time payments to qualify for $0 down. Either way, you still have the full 24 months to come up with your down payment at the purchase price agreed to at move-in, which is fixed for that entire 24-month period.

If you haven't qualified for $0 down or purchased the home by the end of the 24-month window, the home's sale price will be updated and a new rent will be calculated based on that price. If you'd like to continue renting toward ownership, you can choose to lock in the new price with a new 24-month lease agreement.