Credit. Your credit plays a large role when you apply for a mortgage. If you have poor credit, or if you have a thin credit history, renting or RTO may be a better option because they will both give you a chance to build your credit. This will give you time to get out of any debt you may have and establish a good repayment history. If you have excellent credit and you can afford a down payment, outright purchasing a home would most likely be a better option.
There are a lot of homeowners associations, otherwise known as HOAs, in Las Vegas. The advantage to living in a community governed by an HOA is that you won’t have to worry about neighbors that don’t take care of their property or disturbances that could disrupt the quality of life you want to enjoy. The downside is that you have to follow the rules just like everyone else, and that could mean restrictions on how you decorate the exterior of your home or your ability to operate a daycare or other business from your house. Before you start looking at homes in this city, you should determine your stance on this issue because there are a lot of HOAs in operation here.
Affordability. Renting and RTO are typically cheaper than purchasing a property outright, at least initially. If you simply can't afford a down payment and all of the miscellaneous fees, renting or RTO may give you a chance to put money away for a down payment. Those two options usually have fewer upfront costs. However, if you choose to rent, you won't have much to show for it after years like you would with RTO or purchasing a property.
Your debt-to-income ratio can have a negative impact on your credit history and stop you from obtaining a mortgage if it is on the high end. By entering an RTO contract, the individual with a high debt-to-income ratio won't be adding on more debt right away. They usually have two or three years to straighten out their finances and lower their debt-to-income ratio, so they qualify for a mortgage.
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Affordability. Renting and RTO are typically cheaper than purchasing a property outright, at least initially. If you simply can't afford a down payment and all of the miscellaneous fees, renting or RTO may give you a chance to put money away for a down payment. Those two options usually have fewer upfront costs. However, if you choose to rent, you won't have much to show for it after years like you would with RTO or purchasing a property.
There is no shortage of buyer options with RealtyStore. Look for Smart Score as you look through MLS, foreclosure, rent to own, for sale by owner (FSBO), and other real estate deals. Smart Score is an indicator to show how well the home is priced compared to other homes in the area. Higher scores mean it is a great deal, and a low score means you should negotiate aggressively when you make an offer.
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Committed to giving our clients great real estate options, we only hire highly knowledgeable and friendly realtors who are ready to discuss all the ins and outs of every property you are interested in. Our agents are licensed professionals who take the time to know you and recommend homes that fit your standards. Speaking of homes, we offer great deals to help you comfortably settle into a property you like.

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Zillow helps you find the newest Las Vegas real estate listings. By analyzing information on thousands of single family homes for sale in Las Vegas, Nevada  and across the United States, we calculate home values (Zestimates) and the Zillow Home Value Price Index for Las Vegas proper, its neighborhoods and surrounding areas. There are currently 17 for sale listings in Clark County NV zip codes, including condos, bank owned homes, short sales, townhomes, duplexes, land and luxury listings. If you're looking to rent in Las Vegas NV, check out our extensive list of luxury apartments and townhomes. We make it easy to find your dream home by filtering home types, price and size. Filtering with keyword search is also possible, like "waterfront" homes in Las Vegas.
As one of the largest cities in Nevada, North Las Vegas is a thriving municipality in its own right and not just a neighbor to Sin City. As a matter of fact, living in this city of over 229,000 is basically one adventure after another. If you've ever wanted to try out more unconventional methods of flying, hot air balloon rides and helicopter tours are available in North Las Vegas. There's gambling here, too: Bighorn Casino is a great way to blow off steam in the evening. Here's what you need to know about North Las Vegas.
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Rent to own situations can be structured in two popular ways. One is the lease purchase. A lease purchase usually requires the tenant to commit to buy the home over an agreed to period of time. Terms can be quite flexible to suit the renter's needs. These terms include the time frame, the amount of rent applied to the rent to own purchase, and the price of the property. The second approach is called a lease option. In a lease option, many of the same terms apply as in a lease purchase. The difference is in the lease option, the tenant may not be required to purchase the home at the end of the option time period. However, in each case, the renter usually needs to put up a non-refundable option fee to initiate the rent to own contract.

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Just remember, you will need to get the seller to agree on not only the rent to own agreement, but the terms of the agreement. i. e., length of the agreement, usually, one to two years; the percentage of the rent which gets applied to the sales price or closing costs, etc. If you get lucky, the seller may also be interested in doing Seller Financing with you. Just be sure to have a lawyer review any agreement before you sign it. A little legal cost upfront could save you thousands of dollars down the road.
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In a rent-to-own agreement, you (as the buyer) pay the seller a one-time, usually nonrefundable, upfront fee called the option fee, option money or option consideration. This fee is what gives you the option to buy the house by some date in the future. The option fee is often negotiable, as there’s no standard rate. Still, the fee typically ranges between 2.5% and 7% of the purchase price.

(If your property has landscaping, you will receive a notice in the mail with your watering schedule and your group letter. This dictates what days you can water. Your irrigation clock is usually inside the garage. It is your responsibility to learn how to use it. If you want us to come out and set your clock, the charge is $25. If you get a fine for excessive use of water you may get a fine.)
For many, the rent-to-own home may be the best option. Also called a lease-to-own house, the process works similarly to a car lease: Renters pay a certain amount each month to live in the house, and at the end of a set period -- generally within three years -- they have the option to buy the house. Each month of rent they pay is income for the seller, while a portion of it goes toward a down payment to eventually buy the home.
At the end of your two-year lease term, assuming you exercise your option to purchase, the fixed $200,000 purchase price will be discounted by a) the amount of the option fee and b) the total rent credits. So subtracting the $6,000 option fee brings the price down to $194,000. Then, subtracting $7,680 in rent credits ($320 x 24 months) further reduces it to $186,320.
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(If your property has landscaping, you will receive a notice in the mail with your watering schedule and your group letter. This dictates what days you can water. Your irrigation clock is usually inside the garage. It is your responsibility to learn how to use it. If you want us to come out and set your clock, the charge is $25. If you get a fine for excessive use of water you may get a fine.)

“As home prices rise and more and more cities are priced out of conforming loan limits and pushed into jumbo loans, the problem shifts from consumers to the home finance industry,” says Scholtz. With strict automatic underwriting guidelines and 20% to 40% down-payment requirements, even financially capable people can have trouble obtaining financing in these markets.


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Let’s say, for example, the owner could rent the home for $1,500 a month. When negotiating the Rent to Own contract, you and the homeowner might agree that you will pay $1,750 a month, with $250 set aside as your rent credit amount. If you have a three-year lease, you’ll end up with $9,000 ($250 x 36 months) in rent credit when the lease ends. You then exercise your option to buy and that rent credit is returned to you at settlement. You can use it as your earnest money deposit or down payment or to pay closing costs.
You may lack the credit score and traditional 20% down payment for a traditional mortgage, but remember to investigate an FHA loan. If you’re a first-time buyer, you can put as little down as 3.5% if you have a credit score of at least 580 and meet other criteria, such as steady employment and a certain debt-to-income ratio. You will, however, have to pay mortgage insurance to help lessen your lender’s risk.
Q: It has been almost a year since the short sale of our previous home. We don't believe we will be able to qualify for a mortgage for a while yet. Do Realtors assist buyers in finding a situation where we could rent a home for a period of time (say, a year), with the intention of purchasing it at the end of that time period? Or is that not really something Realtors do?

At the end of your two-year lease term, assuming you exercise your option to purchase, the fixed $200,000 purchase price will be discounted by a) the amount of the option fee and b) the total rent credits. So subtracting the $6,000 option fee brings the price down to $194,000. Then, subtracting $7,680 in rent credits ($320 x 24 months) further reduces it to $186,320.

A lease-option contract is less rigid. In this arrangement, you can choose whether or not to purchase the home by the contract's end, and the landlord must honor it. This agreement gives you a choice to opt out of the purchase within the agreed-upon time frame, offering a bit more wiggle room if you're uncertain you want to own the place. But even in this case, you might forfeit your deposit and equity, so it's important to be sure that rent-to-own is the direction you really want to take.
If your housing budget is substantial and you prefer a large home in a gated community, consider moving to Queensbridge or Spring Valley. These neighborhoods are home to many celebrities and are known for expansive homes protected by community gates and beautiful golf courses that stretch on for miles. As expected, the price tags on these homes can hit a million dollars.
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