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How One Louisiana Renter Became a Tenant-Buyer Through Our Program

Eric is a 34-year-old pipefitter from Prairieville. He’s been renting for years—not because he couldn’t afford a house, but because every time he talked to a bank, something on his credit report slowed the process down. A few medical collections, an old missed payment from when he was younger, and a lack of recent credit history always seemed to shut the door.

But Eric’s income was stable, he had a solid work history, and he kept his rental in good shape. He wasn’t asking for anything fancy—just a 3-bed/2-bath with a yard and a place to park his boat.

When he reached out to us, we reviewed his situation the same way we do for all tenant-buyers:
• Verified income
• Looked at rental history
• Checked what kind of down payment he could manage
• Mapped out what he could comfortably afford long-term

Even though his credit wasn’t mortgage-ready, he was a strong candidate for a lease-option.

Within a week, we matched him with a home in Gonzales that fit his payment range. The seller was open to a rent-to-own structure, and Eric was able to secure the property with a moderate option fee—far less than a typical 20% down payment.

He moved in with a 24-month option period, giving him time to clean up the credit items and prepare to finance the home later. We connected him with a credit-repair lender who gave him a straightforward plan: two collections removed, add one positive trade line, and maintain on-time payments.

Today, he’s living in the home, building equity instead of losing money to rent increases, and he’s already six months ahead on the credit timeline.

This is a typical example of how our program works:
Real people, real homes, and a realistic path to ownership—even when banks say “not yet.”