Our products
Two ways to own your home.
Owner financing makes you the owner on day one. Lease to purchase gets you into the home now and lets you buy when you're ready. Compare them side by side.
Own it from day one
We buy the home and finance the sale ourselves under a contract for deed. Your payments build equity from the first month, and the deed is yours at payoff.
- 15% down at closing — your equity from day one
- Fixed 10% rate (10.00% APR) for 15 years, fully amortizing, no balloon
- Pay off or refinance any time
Lease first, buy when you're ready
Move in with less upfront, earn credits toward the purchase with every on-time payment, and buy the home on your timeline.
- 5% non-refundable option fee, credited toward your purchase price
- One all-in monthly payment, property taxes and insurance included
- Lease up to 6 years and buy any time with any lender
Side by side
How our products compare.
The same homes and the same team, with two different ways to get to the deed.
| Owner Financing | Lease to Purchase | |
|---|---|---|
| Best for | Families with 15% down who are ready to own now | Families who want to move in now with less upfront |
| Due upfront | 15% down at closing ($27,750 on a $185,000 home) | 5% option fee, non-refundable, credited toward your purchase ($9,250 on a $185,000 home) |
| Monthly payment | Fixed principal and interest at 10% (10.00% APR) for 15 years, plus escrowed taxes and insurance (about $2,025 on $185,000) | 1.19% of the home's price, rising 3% each 2-year term, up to three terms ($2,200 on $185,000) |
| Who owns the home | You own the home from day one under a contract for deed; the deed is yours at payoff | Twelve22 owns the home while you lease; it's yours when you buy |
| Taxes & insurance | Paid by you, escrowed in your monthly payment | Included in your monthly payment |
| Maintenance & repairs | Yours, as the homeowner | Yours — repairs, maintenance, utilities, landscaping, and renters insurance |
| Path to full ownership | Pay it off in 15 years, or refinance any time (1% early-payoff fee) | Buy with any lender at a price capped at cost plus 6%. If no lender approves you, Twelve22 may offer owner financing (not guaranteed). Option fee and credits are forfeited if you don't buy |
Examples use a $185,000 home and are estimates for illustration. Final terms are set in your agreements.
Ready to start your journey?
Complete your application in 5 minutes. Pre-qualification within 24–48 hours.