// No credit check
Rent-to-Own
No credit check. No balloon payment. Own it at the end. Pick your building, sign a simple agreement, and we deliver — then you pay monthly until it's yours.
Plain and simple
Rent-to-own is the easiest way onto your lot. There's no credit check, the monthly is fixed, and every payment moves you toward ownership. Pay it off early and you save — no prepayment penalty.
- No credit check, ever
- Low monthly, fixed
- Early payoff discount
- Own it at the end of the term
Money down is just the first month's payment for the term you pick — no separate down payment, no credit check.
Estimate only. No credit check. Confirm exact terms with Rick & Rick.
Four steps to ownership
Choose a building on the lot or design one.
A simple agreement — no credit check.
Free within 50 miles of Sherman.
Monthly payments until it's yours.
What you'll need
- A valid ID
- First month's payment
- Your delivery address
- A level-ish spot for the building
RTO FAQ
Is there really no credit check?
What if I want to pay it off early?
What if I miss a payment?
Can I move it later?
Rent-to-Own Eligible — On the Lot






























