Rent-to-Own with Equitable Protection.
The institutional path from renting to true homeownership. Lock in your future purchase price today, receive 100% option fee purchase credits, and rebuild credit on a customized 12–36 month roadmap across Michigan.
How the T.E.R.M.S. Lease-Option Framework Works
Standard rent payments produce zero return. Our structured lease-option model converts your monthly housing payment into a leveraged stepping stone to mortgage qualification.
Option Capital Credit
Your upfront option fee is non-rent consideration. 100% of this amount is credited directly against your agreed strike price when you close your mortgage.
Locked-In Strike Price
The property purchase price is fixed on Day 1. As Michigan real estate appreciates over your 1 to 3 year term, all gained equity belongs exclusively to you.
Recorded Legal Protection
We record an official Memorandum of Option with Genesee or Wayne County Register of Deeds, securing your legal right to buy and clouding title against third parties.
Credit & Mortgage Track
While residing in your future home, our dedicated credit advisors work with you to remove derogatory items, build trade-lines, and achieve 640+ FICO mortgage readiness.
Your 4-Step Pathway to Mortgage Homeownership
Follow our structured 4-phase milestone program from initial pre-screening to holding the recorded warranty deed.
1. Digital Pre-Qualification
Submit your household income and available option fee capital via our secure assessment portal below.
2. Property Matching & Tour
Review available off-market inventory and tour matching homes across Flint, Grand Blanc, Detroit, and Wayne County.
3. Option Execution & Move-In
Sign your Lease & Option Contracts, record your County Memorandum, pay consideration fee, and take occupancy.
4. Mortgage Closing & Deed
Complete credit optimization milestones, secure bank pre-approval, apply your option credits, and execute full deed transfer.
Tenant-Buyer Assessment
Prefer Pen & Paper?
Download our official T.E.R.M.S. Tenant-Buyer Application. Complete, print, and bring it directly to your property walkthrough.
Need to Optimize Your Credit?
Explore our specialized credit restoration roadmap designed specifically for lease-option tenant buyers preparing for mortgage approval.
View Credit Defense TrackSpeak With Joshua Ransom, Licensed Realtor
(810) 584-5267Mon–Fri: 9:00 AM – 6:00 PM EST