Once upon a time, Sarah and Mark dreamed of owning a home for their growing family. However, a series of medical bills and a past job loss had left them with a credit score in the low 500s—far below what traditional lenders required for a mortgage.
The couple knew that simply living in the house wouldn't automatically fix their credit, as RTO payments are rarely reported to credit bureaus. To ensure they could qualify for a mortgage at the end of the term, they took active steps: rent to buy homes with bad credit
Their monthly rent was slightly higher than the market rate, but $200 of each payment was set aside as "rent credits" toward their future down payment. The Three-Year Strategy Once upon a time, Sarah and Mark dreamed