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Quick note before you explore: RTO and owner finance agreements vary by state. Ownsley is a marketplace only — always consult a real estate attorney before signing anything.

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5 listings nationwide

Welcome home
to Ownsley™.

Homes you can buy directly from the seller. Rent-to-own and owner finance listings nationwide — no bank required.

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🌿 Tennessee🌵 Texas🌸 Georgia⛰️ Kentucky🌾 Arkansas+ More states
$650/mo
$895/mo
$720/mo
$1,050/mo
$850/mo
No Credit Check
📍 Nashville, TN
$895/mo
$115,000 option price
✓ Rent Credit✓ Early Payoff
View Full Listing →
Live listings updating
5Active listings
1States covered
$1,687Avg monthly payment
0Families found their home
How Ownsley Works

Your path to ownership, simplified

Skip the bank and buy directly from the seller — even with imperfect credit or limited savings.

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Browse the map

Search rent-to-own and owner finance listings nationwide. Filter by payment, term length, state laws, and special terms like no credit check.

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Find your terms

Every listing shows full terms upfront — monthly payment, purchase price, repair responsibilities. No surprises, no hidden fees.

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Move in and build

Move in and start building toward ownership immediately. Many agreements include rent credits or equity from day one.

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Make it yours

When ready, complete your purchase directly with the seller. The home is yours — and so is all the equity you built.

Featured Listings

Recently added homes

Browse all 5 listings →
NewNo Credit Check
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✅ TN Friendly
📍 Portland, Tennessee
$700/month
Option price: $89,000 · 30 year term
🛏 3 bed🚿 2 bath📐 1,200 sqft
✓ Rent Credit✓ Early Payoff✓ Attorney Docs
Featured
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✅ GA Friendly
📍 Gainesville, Georgia
$895/month
Option price: $145,000 · 20 year term
🛏 4 bed🚿 2 bath📐 1,850 sqft
✓ Rent Credit✓ Early Payoff✓ No Mortgage
No Credit Check
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⚠️ NC — Review Laws
📍 Asheville, North Carolina
$1,050/month
Option price: $175,000 · 25 year term
🛏 3 bed🚿 2 bath📐 1,600 sqft
✓ Early Payoff✓ Pets OK✓ Rent Credit
For Sellers & Investors

List your property.
Set your own terms.

Ownsley is built by alternative finance investors, for alternative finance investors. List free, reach serious buyers, and keep title while buyers build toward ownership.

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Flexible terms, real income
Set your own payment schedule, purchase price, and term length. Start collecting monthly income while giving a family a direct path to ownership.
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Motivated long-term buyers
Owner finance and RTO buyers treat the property like their own — because it will be. They invest in the home, take pride in it, and stay long term.
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Simple, low-stress structure
Clear agreements, transparent terms, and a straightforward path for both sides. Ownsley makes listing and managing your owner finance or RTO deal simple.
List My Property Free →Learn how it works ↗
Deal AnalyzerAI Powered
Purchase Price
$65,000
Monthly Payment
$850 / month
Term Length
30 years
Annual gross income$10,200
Cash on cash return15.7%
Refi potential (70% LTV)$91,000
Tax-free cash out$26,000
🤖 AI Deal ScoreStrong ✓
Ownsley Legal Partners

Real estate attorneys.
Every state.

Connect with attorneys who specialize in rent-to-own and owner finance agreements in your state before signing anything.

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Sarah Mitchell
Mitchell Real Estate Law
✅ Tennessee · Georgia
⭐⭐⭐⭐⭐ 48 RTO reviews
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James Holloway
Holloway & Associates
📋 Texas Specialist
⭐⭐⭐⭐⭐ 127 RTO reviews
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Dana Perkins
Perkins Property Law
✅ Alabama · Mississippi
⭐⭐⭐⭐⭐ 31 RTO reviews

Home sitting on the market?

52% of listings sat 60+ days without an offer in 2026. Convert your stalled listing to rent-to-own or owner finance and start collecting monthly income immediately.

Convert My Listing →