Lease Option Buyer Pathway
If you have income, down payment funds, and a real plan to buy, a lease-option path may help you move toward ownership while preparing for financing.
Serious buyers who have verifiable income, money to put down, and want a structured path toward homeownership — but are not quite bank-ready today.
Self-employed with solid income but new tax returns
Credit needs improvement but income is strong
Recent job change with good pay history
Divorce or life event affected credit temporarily
Minimum $10,000+ down — proof of funds required
Verifiable monthly income — must afford the payment
Full buyer application — honest disclosure required
Credit preparation plan — timeline toward financing
Background screening — may be required
Commitment to the process — structured, not instant
No guaranteed approval. RaleighREX does not provide credit repair services or mortgage lending. All pathways are reviewed on a case-by-case basis.