Step 1
Get prequalified for a home-shopping budget. It’s free, there’s no commitment, and it doesn’t impact your credit score.
Step 2
Find your dream home.
With your budget in hand, go shopping for your new home (with a Divvy agent or your own). Divvy buys it with an all-cash offer, and the keys are yours.
Step 3
We buy your dream home
We pay for the home in cash and cover all fees, closing costs, taxes, and insurance. You make an initial payment of 1% to 2% of the selling price, which goes straight to savings for your own future down payment.
Step 4
Move in with built-in savings
Move in and make it home. Your monthly payment includes built-in savings that grow into a down payment over time. (Our program is designed for our customers to become mortgage-eligible within 3 years.)
Step 5
Buy your home, or walk away with savings
Buy your home when the time is right. Change of plans? You can also move out early (with a 60-day notice) and keep your savings (minus a relisting fee).
If you can get approved for a traditional mortgage today, we say: Go for it. But OUR RENT TO OWN is ideal if…
With Divvy, savings for your down payment are built right into your monthly payment, so they add up over time. In 3 years (or even sooner), you can afford a 10% down payment on your home.
We accept a minimum FICO credit score of 550—so even if you’ve hit a few bumps in the road, Divvy could be the right partner for you. Once you’ve moved into your home, we’ll pair you with a free credit counselor to help you get ready for your own mortgage.
We look at your last 3 months of income when determining your home-shopping budget, which makes us a great option if you’re self-employed or recently started a new position. (Congrats, either way.)
We give you the power of an all-cash offer, which sets you apart in today’s competitive market and helps you secure your dream home.
At our company we move fast and our program is flexible. Which means you get into your dream home sooner and – if life changes – you’re not locked in. Who says you shouldn’t be able to try-before-you-buy anyways?
Applying for RENT TO OWN is completely free, takes 5 minutes online, and comes with no commitment. It also won’t impact your credit score. Don’t worry if your financial picture isn’t perfect—we get that life happens, and everyone’s situation is different.
After applying, you’ll get your estimated home-shopping budget. We’ll then verify your application and you’ll receive your approved shopping budget in 2 business days.
Contact information
When you’re planning to move
Where you want to live
If you’re currently working with a real estate agent
If you’re applying with another person
Your current financial situation (gross monthly income and current rent)
Personal information to run a soft credit check
Employment information
Background check
Proof of identity
For the most part: yes, you can! RENT TO OWN lets you shop homes that are listed for sale and within your approved by us budget. There are a few exceptions—like no manufactured homes or foreclosures—but most homes work. Go home shopping with your own real estate agent Iryna Talmachova Strong. Once you choose the perfect home for you, we buy it, and the keys are yours.
Most move-in ready homes on the market are eligible for the RENT TO BUY program, but there are also some specific eligibility criteria.
Single-family detached or townhomes (we do not purchase condos)
Please check townhouse eligibility here.
The home’s deed must be “Fee Simple” (includes land ownership)
New Construction: Divvy will purchase new construction with the following requirements:
Buyers Agent to confirm status directly from the builder via intake form
Earnest Money Deposit (EMD) cannot exceed $15,000. Note: tenant is required to pay the entire EMD amount as a non-refundable deposit before an offer is sent
Development cannot have rental restrictions
Construction completion within 90 days
There must be at least 2 closed sales of finished homes, within the same phase of the development
Comparables must be ± 10% GLA (gross living area = total area of finished, above-grade residential space excluding unheated areas such as porches and balconies) of home, with upgrades known, ideally within same development
Comparables must be within 0.5 mile and 10 years for year built, ideally within same development
There are no limits or restrictions on the square footage of the home
There is an acreage restriction of up to 2 acres of land
We want your home to be in great condition before you move in. When home shopping, there are a few warning signs that a home may not be in the best condition and wouldn't pass our home inspection. Look out for some tell-tale warning signs on the listing:
“Sold As-Is”
“Fixer-Upper”
“Not Habitable”
Home has less than 10 photos
HVAC ideally is less than 15 years old
Roof ideally is less than 15 years old
Water ideally is less than 10 years old
Condos (or townhouses with condominium ownership)
HOAs or municipalities with rental restrictions
Pre-foreclosures / short sales
Foreclosures
REO / Bank-owned / county-owned / Fannie or Freddie-owned
Assignee contracts from wholesalers
Manufactured or mobile homes
Age Restricted Communities: Housing and neighborhoods specifically for those 55/65 and older
Homes on unpaved roads and/or driveways
Exceptions can be made if the home has the following:
Minimum 3 BR / 2 BA
Quality / condition preferably renovated
Within 75 miles from downtown
Liquidity [at least 1 sold comp within past month within 0.5 mile]
Homes without central air conditioning HVAC
Homes with financed solar panels (owned solar systems and/or systems paid off at closing are OK)
As always, if you have a question, reach out to Iryna Talmachova Strong
Unlike traditional renting, RENT TO OWN offers a pathway to homeownership by letting you choose almost any home listed for sale and rent it from us while you save up to buy.
With RENT TO OWN, you get all the flexibility of renting, while also moving closer to homeownership!
A portion of your monthly rent payment goes directly towards home savings—money you can use towards your future down payment on the home
We’ll buy almost any home on the market, so you get to live in your dream home from day one
RENT TO OWN will cover all major repairs and maintenance during your lease, and unlike a rental, you have the option to customize your home to meet your needs.
With RENT TO OWM, if you don’t love your home, you can walk away and cash out your home savings.
Move in and make it yours.
Rent your new home from us while you get ready to own it, with built-in savings for your down payment each month.
If Comfort, Modern, New and Convenient lifestyle is what you are looking for, Welcome home! This home is a 3 bedroom, 2 1/2 bath, 2 Car garage in the highly desirable Ald...
This beautiful 2 bedroom, 2.5 bath home on a quiet cul-de-sac boasts a den and a second bedroom with an ensuite bathroom, perfect for accommodating guests. The home featu...
Welcome to your new home in the desirable Boca Chase Community in West Boca Raton! This stunning 3 bedroom, 2.5 bathroom single family home has just been renovated and is...
Why wait to build .This almost new four bedroom three bathroom home in the very desirable Torino area is waiting for you. Great open floor plan with over 2,500 sq ft of l...
Pristine Turn Key Home! Stunning one story, open concept home in desirable all age gated community of Colony Preserve. 3 Beds PLUS an office/den. 2.5 Baths. This spli...
BEAUTIFUL LOCATION IN VILLAGGIO WITH A FABULOUS SERNE LAKE VIEW. YOU'LL ABSOLUTELY LOVE RELAXING IN YOUR LANAI...SO PEACEFUL! THIS HOUSE IS PRISTINE AND HARDLY LIVED IN. ...
Fantastic location within the community with unobstructed views of the preserve. Sit on your screened in patio to watch the sunset. New wood-grain flooring and plantation...
Dreams and Possibilities! This fully-renovated, move-in ready house is Open and Bright with a stunning All-New Kitchen ready for you to make it a home. You found it, the ...
From the moment you enter the double door entry, and step inside this COURTYARD pool home, you are going to absolutely fall in LOVE with this lush and private tropical OA...
Spacious 2 story home with split floor plan. Main bedroom & bathroom downstairs. Home office / guest bedroom also downstairs & 2 jack & jill bedrooms upstairs with large ...
Live in one of Jupiter's most desirable neighborhoods, Jupiter in the Pines. This is a 3 bedrooms 2 bath with one car garage, New Roof, Windows and Interior AC. Sit outs...
It is true what they say about location, location, location. This 3 bedroom with a den, 2 bathroom, 1 car garage house is perfect for any family! Entering the home your e...
Beautiful NEW CONSTRUCTION waterfront home w/3 bdrm, 2 bath & 2 car garage on large fenced lot. Home features volume ceilings, wood plank tile, custom cabinetry & quartz ...
CUL-DE-SAC pool home with pavered street close to the front gate in the Clubside subdivision of PGA Village. This beautifully kept desirable Medinah floor plan home has 3...
Oversized lakefront property offering RARE 3 bedroom, 3 FULL bath, triple-split courtyard home for its next lucky owner. Home features a HUGE screen-enclosed patio with y...
WELCOME HOME! Come see this rarely available 4 bedroom, 3.5 bathroom model located within the highly coveted gated community of Regency Lakes in Coconut Creek. This beaut...
Light and bright 4 bedroom, 2.5 bath home with fantastic backyard and room for a pool in Banyan Trails neighborhood. ALL NEW IMPACT WINDOWS AND SLIDERS THROUGHOUT THE HOM...
Spectacular, Move-in-ready, One-of-a-kind Waterfront Gem! Enjoy the morning sun on your serene lakefront patio surrounded by lush tropical landscaping. Renovated kitchen ...
Priced below appraisal! Cozy 2 story property with 4 bedroom and 3 full bathrooms, waterfront property with a solar heated pool. Volume ceilings, spacious kitchen with gr...
This one story pool home has an ideal location and all of the upgrades that you desire. The 3 way split design offers a layout that appeals to almost everyone. The home h...
Immaculate & beautifully renovated residence featuring 3 bedrooms, 2 bathrooms, oversized 2 car garage, bonus CBS detached structure, and sparkling pool! Upon entering th...
Renovated 2-bedroom, 1-bathroom main house with a separate fully renovated and legal 1-bedroom, 1-bathroom guest cottage is the ideal vacation home or rental property. Th...
Custom built CBS Pool home, with lots of extras can be 3 or 4 bedroom home. Beautiful Owners Suite with coffered ceiling, crown molding and additional sitting room or off...
PRICED TO SELL ! Single Family Lake Front Home., 3 Bedrooms 2 Full Bathrooms Large Kitchen, Granite Countertops, newer appliances. A/C 5 Years Young. Located in Delray Be...
Come check out this Fantastic CBS home 3/2/2 with a NEW METAL ROOF, ALL NEW IMPACT WINDOWS. Bedrooms are split, with the Primary bedroom and its large insuite all UPDATED...
Yes, you can believe it, that's the price! Located on Hutchinson Island, steps away from private sandy beaches, enjoy ocean breezes, sunrises and sunsets. Walk in with $7...
This 4BR, one-story ranch home is a must-see for anyone wanting space and privacy while being close to everything. Bring the RV, boat, jetskis and 4 legged friends to thi...
Located in Cascades a NON-EQUITY (Westchester) Golf community. Spectacularly maintained and move-in ready! ROOF 2009, water heater 2014. New custom closet in primary bed...
Gorgeous 3/2 single single story home in the much sought after community of Silver Lakes.This Home Features New A/C Unit, New Tile Flooring, New Accordion Shutters, 2021 ...
Indian model on a quiet private lot with an extended patio and marble tile floor makes this home special. 2 bedrooms and a den (can be a 3rd. Bedroom), living room and fa...
SO MUCH POTENTIAL with this beautiful home. The main living space features a well cared for 2/2. There are two other, attached separate living spaces. 1 is a studio and t...
Renovated 2 bedroom/2 bath CBS house with attached 1 car garage in the desirable South Palm Park neighborhood. New 2021 roof. Mostly hurricane impact windows, some clams...
MUST SEE TO APPRECIATE!!! Charming 5 bedroom, 3 bath pool home with a fenced in yard, loaded with upgrades on a nearly half acre lot. Granite Countertops, 42 inch cabin...
3 Bedroom, 2 bath home and gorgeous saltwater pool! Plenty of off-street parking, updated chef's kitchen, A/C, on demand hot water heater and more! Fully fenced yard wher...
Bring Back-Up Offers, 1st Contract is First Right of Refusal. Welcome home to this must-see home in the charming, gated community of Willoughby Glen in Stuart! This rarel...
BACKYARD OASIS IN PGA VERANO - This Isabella floorplan is a tropical dream! The 2 bed + den 2 bath 1842 sq ft home even has a private putting green in the backyard. The...
15 YR OLD ROOF. TRULY LOVELY HOME IN MISSION BAY. WIDE OPEN GREATROOM FEATURES A GORGEOUS STONE WALL IN THE DINING ROOM & BEAUTIFUL VIEWS OF A PRIVATE ATRIUM. THE REMODEL...
Completely remodeled 3/2 in a highly desirable location in Palm Beach Gardens. Floor to roof remodel includes new kitchens, baths, floors, and ''wall-wash'' lighting'' th...
Charming home in Palm City's most desirable Highlands Reserve. Owners took great pride in the custom upgrades. Partial list includes Impact sliders, truly custom crown mo...
Beautifully updated, spacious 4 bed, 2 bath home set on a double lot with tons of curb appeal, less than a mile from the beach, large backyard, and close to eclectic down...
A REAL GEM! BEAUTIFUL 3 BEDROOM GRANVILLE MODEL ON A PRIVATE AND SERENE LOT. PRISTINE CONDITION ! LOVINGLY MAINTAINED BY ORIGINAL OWNERS. HURRICANE IMPACT FRONT GLASS...
Royal Builders 4/3/2 water front home with beautiful columned entry way. Built with concrete slabs to withstand major hurricanes. Ceramic roof tiles. High vaulted ceiling...
ENJOY SOUTH FLORIDA LIVING AT IT'S FINEST IN THIS BEAUTIFUL PALM AIRE RESIDENCE, THIS LIGHT & BRIGHT CORNER UNIT TOWNHOME IS LOCATED IN THE GATED FAIRVIEW POINT COMMUNIT...
The Peacock Bungalow is the perfect beach getaway. The bungalow is centered around beaches, golfing, dining and shopping. Downtown Lake Worth Beach is a short 10 minute w...
AMAZING VIEWS FROM THE MOMENT YOU WALK INTO THIS ESTATE HOME. Impressive double door step down entry with 18 foot vaulted ceilings into spacious main floor living. Go...
Desirable South Pacific model home containing a high-ceiling, open floor plan that includes a large living room, dining room, breakfast nook and kitchen with a working is...
3 bedroom, 2 bathroom, 2 car garage home with a double driveway, on .39 acres! This property offers large front and back yards, both fully fenced in. The neutral freshly ...
BACK ON MARKET DUE TO BUYERS' FINANCING FALLING THROUGH. Welcome to this meticulously maintained home in the highly sought out community of Florida Gardens, home to large...
BEAUTIFUL HOME WITH MANY ORIGINAL UPGRADES GOLF AND GARDEN VIEWS ALONG WITH PRIVATE POOL
ATTENTION BUYERS: GREAT INVESTMENT OPPORTUNITY 3 RENTAL UNITS COMPLEX fully rented, you can collect $6600 monthly rent total 82k a year income 1/1, 2/1 and an efficiency ...
This renovated home has 4 bedrooms / 2 bathrooms with a huge land around 1.5 acres , space for Truck , trailers and else. Investors and First Time Home Buyers are welcome...
Looking for your slice of paradise? Look no further than this fantastic 4 bedroom 2 bath pool home with studio guest home! This great acreage home sits on a cleared 1.17 ...
Spacious Parkland Townhome!! This 4 bedroom, 2 bathroom townhome is located in the beautifully maintained community of Parkland Reserve. This unit features 42" wood cabin...
The only property for sale in the first block of Delray Beach's happening Atlantic Avenue. This 6-bedroom Fully renovated property has nearly 2,000 sq ft of interior spac...
A stunning corner tri-level Townhouse, like new, awaits you in a prime location in the heart of Boca Raton. This 3 bedroom | 3.5 bathroom features bright living spaces...
This 5-bedroom, 3-full bathroom, 2-Story Lake View Home is the perfect home for your growing family. Premium location in the highly sought out Nautica Isles West communit...
This home is GORGEOUS. Spectacular Lake Views from Expanded Enclosed Lanai. 2/2 with Convertible 3rd BR. Prestigious 55+ Pet-Friendly Resort Style Baywinds Community. ...
Move right in! Professionally decorated, fully furnished, with golf view. Beautifully remodeled 1story villa with a 2 car garage in the Florida Club. Stunning 2/2 plus de...
PRICE IMPROVEMENT PLUS SELLER INCENTIVE!Beautiful home on a quiet peaceful lot...truly move-in-ready! Most affordable waterfront home in Wellington...with access to Lake...
Move in January 2023: FINAL CLOSEOUT! The popular Leland model has gorgeous lake views, a spacious two car garage, an entertainers dream kitchen and living area, and spec...
Completely Remodeled 3 Bed, 2 Bath house that feels like A Brand New Home! Open floor plan. Brand new Kitchen with White Shaker cabinets, Quartz countertops, SS appliance...
Great opportunity to live in this active community of Holiday Out on Hutchinson Island. This house offers a kitchen upstairs and downstairs with the Master Bedroom upsta...
This 4 Bedroom 3 bath home offering 2,200 square feet under air is centrally located in the well maintained neighborhood of Florida Gardens. There is an attached guest h...
Stunning 3 bedroom, 2 bath home in Cascade Lakes. Highly desirable Cypress III is a showstopper! Ceramic tile throughout living area, neutral color, recently remodeled ki...
Totally remodeled interior with new vinyl plank flooring through-out interior, freshly painted, new white colored kitchen cabinets. quartz counter tops, new stainless ste...
AMAZING! This 4 bed 2 1/2 bath home w/ 2nd floor IMPACT WINDOWS & UPGRADED FLOORING sits on an OVERSIZED LOT in sought-after Alden Ridge w/ GREAT SCHOOLS. This extremely ...
Absolutely Beautiful 4 Bedroom, 2 Bath Home is now ready for its new owner. This stunning 3,153 sq ft (2,366 under air) home was build by Majestic Homes and has been very...
A GREAT OPPORTUNITY TO BECOME OWNER/INVESTOR THIS GREAT COMMUNITY Renovated 4 BR, 3 BATH .TILE FLOOR FORMAL DINNING & LIVING ROOM CLOSE TO MANY STORES, SPACIOUS BED ROOMS...
As you walk into this charming 3 bedroom 2 bathroom + FL room/den salt water pool home in Hunting Woods, your eye is immediately drawn to the stunning lake view, which ca...
Experience the freedom of living in a non-HOA community with this beautiful single-family home. Invest in your future with this breathtaking turn-key modern house that is...
Beautiful Lakefront Pool Home in the exclusive Tradition neighborhood of Vitalia. This wonderful home shows better than the Models. Pride of Ownership shows in the attent...
Gorgeous property totally renovated with three bedrooms plus den, two bathrooms, the den would be ideal for use as an office area or a fourth bedroom. Real wood floors t...
Beautiful nearly new Neuville model in the highly desirable community of Seawalk near downtown Jensen Beach. Light and bright features with additional recessed lighting,...
💥PRICE REDUCTION! VITALIA AT TRADITION 55+ COMMUNITY. This picture perfect KEY LARGO MODEL Home features: Two Master bedrooms, with bath en-suites, 3rd BR with ad...
Come see this beautiful 3/2 with 2 car garage and room to easily park 30 cars on the 2 paved driveway. Open floor plan with high ceilings. Large living room and dining pe...
Move-in ready CBS home on 1+ acre lot. Fenced yard, four bedrooms, two baths, one car garage on house and detached 20 x 20 garage / workshop. There is also an indoor uti...
NEW tile floors installed throughout the entire home! Spacious 3 bedroom, 3 bathroom, 2 car garage single family home plus DEN that could easily be converted into a 4th b...
LOW HOA! Spacious 5 bedroom, 3 bath, 3 car garage on a private lot situated at the end of the street and on a wide canal. This home offers many features such as granite ...
Spacious Delray Model with Coastal Decor package! Plank ceramic Tile in living areas with White Cabinets and quartz countertops. This home has a rear garden view. Minute...
Location, location, location! This absolutely GORGEOUS Key West style home with incredible lake view is located in a beautiful cul de sac just a short walk away from the ...
Florida living at it's finest as you enjoy magnificent sunset views, sweeping lake breezes and a splash in your private solar heated pool with screened enclosure and your...
NEW ROOF, NEW A/C, LAKE VIEWS, CORNER LOT, NEW OVERSIZED SCREEN PATIO, IMPACT PROTECTION, LOW HOA, GATED COMMUNITY!!! This sophisticated home in Nautica welcomes with an...
Dreaming of living on the intracoastal w/out sacrificing the feel, look & convenience of a single family house minus all the upkeep? Look no further as this rarely availa...
Brand NEW energy-efficient home ready NOW! The end unit features an open and light filled floorplan.The Elemental Package offers pebble cabinets with White Fantasy Granit...
POPULAR CYPRESS III MODEL ON THE CENTER OF A LAKE. THIS HOUSE HAS BEAUTIFUL TILE THROUGHOUT . IT HAS AN EXTENDED LANAI. IT HAS A NEW HOT WATER HEATER & A NEW REFRIGERATO...
This CBS home has 4br/2ba/2 car garage and is located in Royal Pine Estates with over 2600 total sq.ft. split floor plan with vaulted ceiling in the living areas and deco...
Imagine living in your own piece of paradise with no restrictions and NO HOA! This 3 bed 2 bath home is positioned on an ample-sized lot. Tradewind is less than a mile ...
Charming parklike setting and curb appeal greet you as you arrive to this townhome located in the heart of Abacoa. This 3 bedroom 2.5 bath is the perfect find. Fabulous f...
MOVE-IN READY! This light & bright expanded 3 bedroom (3rd bedroom was used as a den/office), 2 Bath Caspian Model has been freshly painted a neutral color! Upgraded cera...
STOP SCROLLING! This stunning home on a corner lot boasts a new metal roof attainable insurance at an affordable price. Dual Master with newly remodeled en-suite bath. Pl...
Location, Location, Location! Trevi is the place for you. The community offers an incredible value for its amenities, quality of construction, and upgrades. It has 3 bedr...
DESIRABLE 1-STORY POOL HOME WITH NEW ROOF (2021) ON PRIVATE CANAL LOT! Located in the 24-hour manned gated community of Lakes of Laguna, this open floor plan has almost 2...
NEW NEW NEW!3bed/2bath in active 55+ community.Attention to every detail!NEW soft close double stacked kitchen cabinets.NEW Stainless steel appliances&quartz counter.NEW ...
Grab the opportunity to view this two level 1,600 s/f townhome on beautiful Singer Island. With three bedrooms and two and 1/2 baths this is a perfect substitute for a si...
Don't miss out on the completely redone 3 bedroom 2 bath home in the heart of Jupiter! This open floor plan home has new luxury vinyl plank flooring throughout, brand ne...
FANTASTIC CUL DE SAC LOCATION AND PANORAMIC VIEW! . WIDE OPEN FLOW WITH EXTENDED MASTER BEDROOM AND EXTENDED FAMILY ROOM. MASTER BATHROOM HAS BEEN COMPLETELY REDONE AND I...
Fantastic home in sought after location! This home has fresh interior paint and partial flooring replacement. Discover a bright and open interior with plenty of natural l...
Beautiful house w/ sensational lake view. 3 bedrooms, 2 bath & 2 car garage, voluminous ceilings w/ a living and dining room. Located in a highly desirable community. Lig...
This NO HOA Community located in RPB. You will walk into an open floor plan with a combination family room, dining room and kitchen. Sliding doors open off the dining ro...
PRICED AT APPRAISAL VALUE!! This 4 bed / 2.5 bath residence in the sought after community of Alden Ridge, is the perfect place to call home! A modern contemporary fully r...