Mainstay
St. Louis & St. Charles County, Missouri

Sell your home, pocket your equity, and stay right where you are.

Mainstay buys your home for 80–95% of its value, pays off your mortgage, prepays six months of rent, and hands you a check. You keep your home, your school, your neighbors.

See your estimate How it works

Free, no obligation. A real person from the Mainstay team follows up within one business day.

Sample estimate · Claymont Subdivision, Ballwin, MO
Cash to you at closing
$63,403
Monthly rent
$1,988
Mortgage
Paid off
Your home sells for
$265,000
Pay off your mortgage
– $180,000
Mainstay fee (2.9%)
– $7,685
Six months of rent, paid up frontno rent for 6 mo
– $11,925
Security deposit (1 mo)refundable
– $1,988
Cash to you at closing
$63,403

Sample home in Claymont Subdivision, Ballwin ($300k value, $180k mortgage). Your real number is built from your own home.

How it works

Three steps. No buyback, no catch.

01

Tell us about your home

Share your address and a few numbers. Add photos to sharpen your estimate — or skip them.

02

See your offer

A transparent range: cash at closing, your monthly rent, and your mortgage paid off in full.

03

Sell and stay

We buy the home and lease it right back to you — six months of rent prepaid from your own proceeds, so no rent checks for six months.

How it compares

Every other option means packing up and moving.

You stay
Mainstay
Sell on the market
iBuyer / instant offer
Cash buyer / flipper
Can you stay in your home?
Yes — stay as a renter
No, you move out
No, you move out
No, you move out
What you walk away with
80–95% of value
Full value − ~6% commission, repairs & concessions
Market − service fee (~5%) & repair deductions
A steep discount — often well below market
Repairs, prep & staging
None
On you, before listing
Repair costs deducted from your offer
Sold as-is — but priced like it
Showings & strangers in your home
None
Weeks of showings & open houses
None
None
Agents & negotiation
None
Listing agent, buyer’s agent, back-and-forth
Minimal
Minimal
Time & certainty
Fast & certain
Weeks to months, deals can fall through
Fast
Fast

Comparison reflects typical terms for each category; actual offers and costs vary. Mainstay is a sale of your home plus a lease — not a loan, mortgage, or refinance.

We didn’t want to leave. We had no choice. So I built the company that would have let us stay.
Read why we built Mainstay

Not a loan

A sale of your home plus a lease — no credit gate to sell, no debt added.

Near full value

80–95% of your home’s value, with a transparent 2.9% fee — about half the total agent commissions a typical home sale pays.

You stay home

Same house, same school, same neighbors. Six months of rent prepaid from your proceeds.

Skeptical? Good — you should be.

Selling your home and staying in it sounds too good to be true, and sale-leaseback has a bad reputation for a reason. So we put it all in plain language: how we make money, what you give up, and why this isn’t the predatory kind.

Why you can trust Mainstay
  • Real nearby comps behind every estimate — not a number we made up
  • One clear 2.9% fee, instead of 5–6% in agent commissions
  • A true one-way sale — no buyback trap, reviewed by counsel
  • We tell you what you give up, before you decide

See what staying put could look like.

Your estimate takes two minutes and there’s no obligation. Nothing here is a binding offer — every number is subject to inspection.

Get your offer