Rent-To-Own Sheds
No Credit Check
Rent to own is the easy way to get a building on your property. No credit check and no credit pull. Fill out a short form with your dealer, make your first payment, and most people are approved the same day.
Rent-To-Own In
4 Simple Steps
Rent-to-own through our Heartland program. No credit check, no credit pull, no complicated application. The whole process takes about as long as picking out the building.
01. Pick Your Building
Rent to own works on every model we build, utility sheds, barns, workshops, cottages, gazebos, pavilions, dog kennels, the whole catalog. Rent to own is capped at $25,000. On a bigger build you put the difference down at signing. Browse on-lot inventory or order a custom build, including a 14x32 workshop or tiny home shell.
02. Pick Your Term
Rent to own runs 36, 48, 60 or 72 months. A longer term drops the monthly payment, a shorter term gets you to ownership faster. Your dealer runs your building through the calculator and shows you the exact payment, taxes included, before you sign anything.
03. Make Your First Payment
First payment down delivers most buildings. On buildings over $15,000 it's a deposit plus your first payment. Your dealer gives you the exact amount due before you sign, no surprises at the table.
04. Building Gets Delivered
In-stock buildings usually deliver in 7 to 10 days, and next day in a lot of cases. Build orders run 3 to 4 weeks, or 4 to 6 on custom and finished-out units. Weather and plant volume can shift those a little. You own it outright at the end of the term, or pay it off early any time with no penalty.
The 90-Day
Same-As-Cash Option
Start on RTO. Pay off the full building price within 90 days of delivery and you pay nothing extra. Same cost as cash, no added fees, no interest on the remainder.
This option works well for customers waiting on a tax refund, land closing or a construction loan. Get the building delivered now and pay it off when the money lands.
Ask About 90-Day OptionDays Same As Cash
RTO vs Financing:
What's The Difference?
Both get a building on your property. The right choice depends on your credit situation and how long you plan to keep the building.
| Feature | Rent-To-Own | Financing |
|---|---|---|
| Credit check required | No | Yes |
| Application process | First payment down (deposit added over $15,000) | Lender application |
| Total cost over full term | Higher | Lower |
| Early payoff | Anytime, no penalty | Yes |
| 90-day same-as-cash | Yes | No |
| Available on custom builds | Most builds | Subject to approval |
| Best for | Customers who want no credit check | Strong credit, lower total cost |
See all payment options on our financing page.
See Your Monthly Payment
Tell us the building you want and your preferred term. We'll calculate the exact RTO payment, no commitment required.
Rent-To-Own FAQ
Correct. Rent-to-own doesn't require a credit check or a credit pull. Fill out a short form, choose your building and term, and most people are approved the same day.
If you pay off the full building price within 90 days of delivery, you pay nothing extra, the same as if you'd paid cash on day one. No added fees, no interest. The 90-day window starts on your delivery date.
Yes, any time during the term, with no early payoff penalty. Pay it off in the first 90 days and it's 90 days same as cash. After that you can still pay the balance off whenever you're ready, just call and ask for your payoff amount.
Turn the building in. Rent to own is a rental agreement, so you're not locked in for the full term. As long as you're current on your payments and you cover the small pickup fee, we come get the building, you walk away owing nothing, and nothing negative goes to the credit bureaus.
Yes. RTO is available on most custom builds and most Tiny Home Shells projects, up to the $25,000 RTO cap. Contact us with your project details and we'll confirm eligibility and give you a payment quote.
Build it, price it, see your payment. Our 3D builder puts your exact monthly payment on the screen before you ever talk to anybody.