Get prequalified for a home-shopping budget. It’s free, there’s no commitment, and it doesn’t impact your credit score.
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.
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.
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.)
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.
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
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:
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
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.
Well maintained single family home on one floor with 3 bedrooms, 2 bathrooms, 2 car garage, hot tub, gas tank, shutters, screened in patio and lush landscaping. This well...
This beautiful tri-level, pet friendly, 3 bedrooms, 3 1/2 baths townhouse in the Tuscany inspired, gated community of Villa Medici located in the heart of Fort Lauderdale...
Former Builders Model MOVE-IN READY. Save thousands of $$$ in closing costs with Approved Lender. Only $1000 Deposit. LARGE HOME with 3 CAR GARAGE! on OVERSIZED LOT!! 4Be...
Charming and inviting single-family home nestled in the desirable Boca Chase community. Boasting 3 bedrooms, 2 bathrooms, and a convenient 1-car garage, this residence of...
Fully remodeled 4 bedroom 2 full bath home. With new kitchen, bathrooms, roof, hot water heather, 2 AC systems, washer dryer and new vinyl flooring throughout the home. ...
Maintained with pride of ownership. Situated in one of the premier gated communities in West Palm beach this immaculate home is close to everything the city has to offer....
Welcome to your dream home in Palm Beach Gardens! This stunning 3-level townhouse epitomizes modern elegance and luxurious living, offering 2 bedrooms with the flexibilit...
Welcome to Baywinds The Estates in West Palm Beach! This exceptional 1-story single family residential home is situated in a gated 55+ community with an HOA, providing a ...
Beautiful 3/2 right across the street from Sabal Pines Park! Brand new kitchen, baths and appliances. Brand new AC unit. Screened in backyard with travertine marble pav...
Took off market for personal not due to a contract. Pride of ownership in this home. Highly sought after 55+Avalon Estates in Boynton Beach. 3BR, 2BA, 2CG; Updated kitche...
Exceptional opportunity to own an impeccably maintained 3BR/2BA townhome set in the sought-after gated community Trevi at the Gardens. Step inside the open-concept layout...
Nestled within the highly sought-after enclave of Heather Run at PGA National, this villa presents an exceptional opportunity to experience lush landscapes, and an open f...
Why wait to build! Better than brand new custom built 4/2.5/3 by elite Grande Construction! Prepare to be dazzled. Endless upgrades, grand foyer, formal dining room, fami...
MOVE IN READY - SOLAR PANELS PROVIDE ALL ELECTRIC NEEDS - FPL 29.95 BASIC MONTHLY CHARGE. ALL EXTRA POWER STORED IN TELSA BACK UP BATTERIES. KITCHEN COMPLETELY REMODELED....
GOLFERS WANTED! On 2nd fairway of Palm Beach National Golf Club, a beautiful championship public course. No HOA, bring your work truck, boat, or RV subject only to County...
Veranda Gardens: Move in November 2023! This popular prestige home with a lake view is a must see! This home features a designer built-in kitchen, upgraded 8-foot doors, ...
This Palmary floorplan is a jewelbox of a home and it will be ready for move in by the end of the year. Our designers have loaded the home with on-trend colors and finis...
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 COMMUNITY...
Experience the pinnacle of tranquil living in this beautifully designed residence located on the best lot in the community, features NEW ROOF, 3 spacious bedrooms, 2 well...
This is the one! Welcome to this redesigned and renovated move in ready gem! Sunny corner townhouse overlooking the fairway in the beautiful community of Boca Delray. Enj...
3/2 Large 3rd Bedroom and Bath is a R2 with exterior door.Salon components have been removed now a full 3rd Bedroom.Fantastic Ft Lauderdale neighborhood. Croissant Pa...
Welcome to Candlewood Village in the sought-after Smith Farm subdivision! This stunning 2-story pool home offers a perfect blend of style, functionality & comfort with it...
WHY WAIT TO BUILD!! This spectacular Del Webb Mystique Home was finished March of this year and is ready for you now. Del Webb is one of Tradition's premiere 55 + communi...
Beautifully remodeled waterfront, golf view home. Open light and bright floorplan. The roof was replaced in 2016, impact windows and water heater installed in 2016, A/C...
This stunning Beaumont Estates residence delivers a truly turnkey experience. Featuring a 2018 concrete tile roof, 2019 AC system, & 2020 solar panels, high-grade insulat...
Beautiful Divosta built 3/2.5 Townhome in excellent, move-in condition. New Roof, Custom Painted with Knockdown on Ceilings, Detailed Moldings Throughout, Plantation Shut...
Rarely available elegant Lakefront Townhouse located in The Greyson at Pioneer Estate. Spacious and bright, boasting 4 beds, 3 full baths, 1 half bath, a loft and laundry...
Beautiful and Completely Updated and Rare 4 Bedroom, New Roof(2106). Lot's of new, this open and airy, freshly painted home offers a fantastic layout with Master-down, al...
PRICE REDUCTION! The BEST 3 bed 2 bath END UNIT Townhome/villa in the community! Lake views galore and LOTS of green space on the end of the street! Almost Brand New cons...
Here's Your Chance to Own A One of a Kind Beautifully Renovated 4BR 3.5BA TownHome In The Desirable Lago Del Mar Community, Fabulous Enclosed Back Room with Full Bath & C...