PLEASE NOTE- The page counter lists 100+ pages but the last 70 pages are to fill out the application which is not required.
This guide has information and questions and can be saved and returned to at a later time
Welcome to our interactive guide.
"Thank you"
for taking the time to learn more about our process.
Our goal is to create a 100% transparent opportunity for individuals or families who
are looking to 'stop throwing money away' each month renting
and
start moving toward the dream of home ownership.
We created this guide to help you better understand rent to own in general
and
our rent to own program.
Thank you again for the privilege of your time today! 😊
Primary Applicant Name
First Name Last Name
Primary Applicant Birthdate
Month Day Year
Date
Please enter a valid email address
Primary Phone Number
Area Code Phone Number
This guide is to give you an idea of what and when things happen and provide a general explanation of the process.
🛑 If you are here and not interested in buying the house rent to own I'm sorry but that’s the only way it's currently available.
Also visit our site at www.RTOToday.com where you will find a ton of resources about us and our program.
We're very proud of our A+ Rating with the "Better Business Bureau" and there is a link on the website making it simple to visit our BBB page.
Now, as you move forward in the guide you will notice it's broken down in to steps with information then clarifying questions designed to highlight important points.
Let's talk a little about rent to own in general.
"Rent to own' as most people think of it really is just a scam.
Most rent to own houses are
old and tired
AND
being offered by someone who is simply trying to avoid what landlords call "the three T's."
That means they are trying to avoid tenants, toilets and trash.
They just want to avoid dealing with:
- chasing rent each month
- getting calls about toilets (usually on nights and weekends)
- and don't want to deal with trash and problems when a typical tenant moves out.
Instead they
- add a little extra down payment
- get someone who says "sure, I'd love to rent to own"
- get less complaint calls they are happier
BUT....
Unfortunately, the person in the house:
- has no real plan to improve their situation (down payment and credit repair)
- and more troubling, the seller has no real interest in them actually becoming a buyer.
It is really just a way for the seller to have less grief for a while until the "buyer" realizes they are just spinning their wheels and more than likely never going to own the house.
In all fairness, we do still sell our houses "Rent to Own"-
BUT
buying a house from us really isn't like any other rent to own program.
Why? I'm so glad you asked 😉
- We are part of a nationwide group of investors who buy over 250 homes per year with the sole purpose of helping buyers who just need "a little help"
- We are A+ Rated by the Better Business Bureau
- Over 95% of our tenant buyers get to the finish line and get a mortgage and actually become homeowners
- Most if not all of our houses are move in ready
- We only want tenant buyers who understand they are in the process of buying and are committed to that.
But, it is fairly difficult for us to find and buy houses so we are particular about who we choose as a rent to own "tenant buyer."
And since we are going to be taking a chance on someone who needs a little help, we are looking for someone willing to become a partner.

A partner who is open, honest and willing to communicate even when things aren’t going perfectly.
If you are not interested in a rent to own home then you do not need to continue following this guide.
If you are interested in learning more about us and our program please continue.
Down Payment Details
Every property requires AT LEAST 10% down (20% on houses that will require a jumbo mortgage. usually over $500K)
In addition to down payment you will need the first month payment (full or partial depending on move in date) and a $595 (one time) administrative fee.
In the event you have less than the full 10% down- Our executive team reviews each applicant to determine if they are a fit for our program either now or at a point in the future.
If you decide you want the home it is in your best interest to put your best foot forward in an effort to be selected.

The amount paid designated as down payment ultimately will be reflected as such and will only
- 1) make your payments lower
- 2) lower your overall cost to own the house in the end
- 3) improve your chances of being approved for a mortgage.
PLEASE NOTE- You will not be asked for payment of any kind until you have gone through the process and decided you would like to become a rent to own tenant buyer.

Many potential tenant buyers are often concerned with paying a down payment, moving in, paying for a period of time and then not being able to get the house; we completely understand and appreciate that.
UNFORTUNATELY
We make NO GUARANTEES
BECAUSE
we can't make YOU DO do what you are supposed to in order to get the house.
HOWEVER- Our plans are built in ways that IF you do what we require and recommend along the way
(which is thoroughly explained prior to PAYING anything)
you will get the house.
Contingencies exist for term extensions, price reductions etc.

So, YES, there is some risk BUT you control it.
There are also several significant rewards:
You will fulfill the dream of being a home owner.
You will lock in a guaranteed maximum price you will pay for the house (no matter how much you spend making it your own.) We never reassess values up.
Our plan allows you to live in the home while you build the additional down payment to get financed.
You lock in the opportunity to increase your equity.
Once you get to 10% down you will receive a double monthly credit against the price of the house (assuming monthly payments and down payments are made on time.)
The Process- What happens and in what order
This is a pretty firm process but as stated previously we will not ask for any money from you until you have seen the house and made the decision to move forward.
Step 1- You find a listing for one of our properties that interests you.
Step 2- You visit our website at www.RTOToday.com, research us, learn about our plan and complete this interactive guide.
Step 3- Drive by the house and to verify you are interested. Research the schools and evaluate the houses location to your work and other important support components (daycares, shopping, parks, family etc.)
Step 4- You evaluate the components of the deal regarding down payment, monthly payments, term, additional down (either monthly or at pre-determined points) utilities etc.
Step 5- If you have the minimum down payment required to move in available immediately we will arrange a tour of the house for you.
Typically we place tenant buyers in our houses in less than 30 days so if you do not have the down payment readily available there is no reason to view the house.
We often hear- "If I can't see the house I don't know if I want it."
Important points regarding viewing the house:
1) We will not ask for or accept any money from any tenant buyer prior to them viewing the house.
2) If you don't have the required minimum down payment there is no point in seeing the house.
Step 6- You will view the house and make a decision if you are interested in it.
Important note:
We do not hold houses! If you have the minimum down payment and want the house you should complete the background screening process and pay the required minimum down payment As Soon As Possible.
The first acceptable tenant buyer to complete the process, sign the forms and pay the down payment will be the selected applicant.
However, you are free to spend as much time as you like thinking about the house, the down payment, the monthly payments, getting an appraisal or inspection completed or any other number of things to make sure you feel comfortable with the house.
If someone else completes the process and pays the down payment while that is going on they will get the house.
Step 7- You will complete the required tenant screening and credit evaluation.
Step 8- If approved you will sign the documents (typically sitting with an attorney) pay the down payment, arrange utilities, acquire a renters insurance policy, schedule moving dates and finally move in.
How much money do you have RIGHT NOW to move in with?
How much more can you add to get to the absolute minimum down payment of 10%
What is the tenant screening process, how does it happen, how much does it cost and how does it take?
The Tenant Screening Process
Our screening partner only screens "Rent to Own" home buyers so they are great at it.
The process is straightforward. You logon to their website at www.ScreenTheTenant.com and complete the application, provide the additional information necessary for them to complete the task (proof of income etc.)
The cost is $50/adult involved in the deal. There is a $25 fee you can pay to "expedite" your application. That is $25 no matter how many applicants there are.
Once they have ALL of the documentation necessary they will start the process. They will reach out to you if they need additional information.
Please make sure and answer every question on the application and ALSO provide all of the supporting documents.
Important- If you don't provide what they need (such as credit monitoring credentials or proof of income) you will go to the back of the line while they wait on the information.
In addition to your personal, residence and employment histories; here is a list of other things they will need to complete your report.
- Proof of income (recent paystubs, award letter, separation agreement etc.)
- Your credit monitoring login credentials (ID and password)
- My name: Link Ervn
- My email:Lervin@CPSSoutheast.com
- My phone: 704.473.6402
- Full price of the house = ____________
- Total Down Payment required (not just the move in minimum) = __________
If anything is missing you will go to the back of the line and delay an answer which could easily allow another person to get the house.
Tenant Buyer Responsibilities
- Your paymentsare due on the 30th for the month coming up(ie Decembers payment is due November 30th.)
- Since you are either rebuilding credit or proving creditIT IS IMPERATIVE that payments are made on time.
  - This is vitally important as the payments you make to us are often the deciding factor in getting a mortgage.
- You are required to follow all HOA guidelines etc.
- You are allowed to make changes HOWEVER they need to be approved, be completed by a licensed contractor and a permit must be obtained if one is required.
- All properties must remain smoke free UNTIL you acquire a mortgage.
You have reached the end of the guide.
Thank you so much for taking the time to review our guide.
Moving forward from here we are collecting residence, employment and income information for both the Primary Applicant and the Additional Applicant.
You can SAVE here, OR
continue the application.
Primary Applicants Residence Information
Start at most current and complete as much as possible. Additional applicants information will go further down the form.
Current Address
Street Address
Street Address Line 2
City State / Province
Postal / Zip Code Country
Moved In:
Month Day Year
Landlord/Manager Name
Landlord/Manager Phone
Area Code Phone Number
Reason for Moving:
Previous Address 1
Street Address
Street Address Line 2
City State / Province
Postal / Zip Code
Move in date
Year Month Day
Date
Move out date
Year Month Day
Date
Landlord/Manager Name
Landlord/Manager Phone Number
Reason for moving
Previous Address 2
Street Address
Street Address Line 2
City State / Province
Postal / Zip Code
Move in date
Year Month Day
Date
Move out date
Year Month Day
Date
Landlord/Manager Name
Landlord/Manager number
Reason for moving
Employment Information
Primary Applicant Current Employer
Occupation
Company
Start Date
Year Month Day
Date
Manager Name
Manager Phone
Area Code Phone Number
Current Gross Income
Previous employer (if less than 3 years at current)
Occupation
Start date
Year Month Day
Date
End date
Year Month Day
Date
Additional income #1 for Primary Applicant
Additional income #2 for Primary Applicant
Additional Applicant Information
Additional applicant name
First Name Last Name
Birthdate
Year Month Day
Date
Phone Number
Area Code Phone Number
Current Address
Street Address
Street Address Line 2
City State / Province
Postal / Zip Code
Move in date
Year Month Day
Date
Landlord/Manager Name
Landlord/Manager Number
Area Code Phone Number
Reason for moving
Previous Address 1
Street Address
Street Address Line 2
City State / Province
Postal / Zip Code
Move in date
Year Month Day
Date
Move out date
Year Month Day
Date
Landlord/Manager name
First Name Last Name
Landlord/Manager number
Area Code Phone Number
Reason for moving
Previous Address 2
Street Address
Street Address Line 2
City State / Province
Postal / Zip Code
Move in date
Year Month Day
Date
Move out date
Year Month Day
Date
Landlord/Manager Name
First Name Last Name
Landlord/Manager Number
Area Code Phone Number
Reason for moving
Additional Applicant Employment Information
Occupation
Company Name
Start date
Year Month Day
Date
Managers name
First Name Last Name
Managers number
Area Code Phone Number
Type a question
Current Gross Income
Previous employer
Start Date
Year Month Day
Date
End Date
Year Month Day
Date
Managers Name
First Name Last Name
Managers Number
Area Code Phone Number
Should be Empty:

PLEASE NOTE- The page counter lists 100+ pages but the last 70 pages are to fill out the application which is not required.

Down Payment Details

The Process- What happens and in what order

What is the tenant screening process, how does it happen, how much does it cost and how does it take?

Tenant Buyer Responsibilities

Primary Applicants Residence Information

Employment Information

Additional Applicant Information

Additional Applicant Employment Information