Questions
Frequently asked
Straight answers, plain numbers. If your question isn’t here, ask us directly.
What geographic areas do you buy in?+
St. Louis County and St. Charles County, Missouri, for now. If you’re just outside, leave your details and we’ll reach out as we expand.
Do you buy regardless of condition?+
Condition affects your number, not your eligibility — within reason. Photos help us sharpen the estimate, but an inspector always sets the final value.
How is this different from “We Buy Ugly Houses” or iBuyers?+
Those buy low and you move out. We pay near full value — 80–95% — and you stay in your home and community as a renter.
What if my credit is less than perfect?+
This is a sale plus a lease, not a loan — so there’s no credit gate to sell your home, and no rental application to stay. You already own your home and live there; that’s all we need.
What if there’s a lien on my house?+
Liens and your mortgage are paid from the sale proceeds at closing, just like a normal home sale.
What kind of offer should I expect?+
A transparent range of 80–95% of your home’s value, with a clearly stated 2.9% fee — about half the total agent commissions a typical home sale pays (usually 5–6%).
Can I negotiate the offer?+
We don’t haggle. We put our best, transparent offer forward from the start — figured the same way for every homeowner — so no one has to negotiate or wonder if they left money on the table. The only thing that adjusts the number is what an inspector objectively finds about your home’s condition, not back-and-forth bargaining. It’s how we respect everyone’s time.
How long does the process take?+
The online estimate takes a couple of minutes. After that, a real person follows up within one business day to walk you through next steps and scheduling an inspection.
What happens after closing?+
You rent your home back from us on a lease whose length you choose as part of the deal — typically two to five years, with a longer term lowering your rent. Six months of rent is paid up front from your own proceeds, so you won’t write a rent check for six months. Rent then runs month to month and escalates about 3% a year, like a normal lease.
What about property taxes and insurance?+
Both often shift in your favor. Once you sell, property taxes become the new owner’s responsibility — not yours. And you swap homeowners insurance for renters insurance, which typically costs a small fraction (often $15–25/mo versus $100+ before). Actual amounts vary by home and provider.
Is there a buyback?+
No. This is a one-way, permanent sale. We don’t offer or imply any repurchase.
What happens at the end of the lease — do I have to leave?+
No — staying is the whole point. You set your lease length up front (typically two to five years); when the term ends you can renew for another. We don’t buy homes to push people out, and rent is set with the market. Like any lease we can’t promise it’s forever, and either side can choose not to renew at the end of a term — but the intent is that you stay in your home, as a renter, for the long haul.