Debt Relief for Homeowners | Use Your Home Equity to Pay Off Debt | Sell2Rent
Financial Relief for Homeowners

Real debt relief.
Stay in your
home.

Every month of high-interest debt costs you money you will never get back. Access your home equity, pay off what you owe, and stay as a renter, no moving, no credit check, no new loans.

See if your home qualifies in 60 seconds, before another month of interest slips by.

Check if your home qualifies

No credit check. No obligation. Cash offer in 24 hours.

    No credit check
    Offer in 24 hours
    No obligation
    A+ BBB Rating
    4.1 Trustpilot
    4.5 Google Reviews
    Available Nationwide
    Happy family at home after using Sell2Rent sale-leaseback for debt relief — staying in the home they love
    $200K+ Avg. equity available
    30–45 Days to close
    $0 New debt created
    1–5 yr Lease term options
    Understanding Sale-Leaseback

    What is a residential
    sale-leaseback?

    A residential sale-leaseback is a transaction where you sell your home to an investor and immediately sign a lease to remain in it as a renter. You receive the full sale proceeds, your home's equity, in cash at closing.

    Unlike a refinance, HELOC, or personal loan, a sale-leaseback creates no new debt. There are no monthly payments, no variable interest rates, and no new financial obligations. You simply use the cash to address whatever is weighing on you.

    Most transactions close in an average of 30 to 45 days. You choose a lease term built around your situation, starting as short as 3 months and extending up to five years, giving you the flexibility to stabilize, rebuild, and plan your next move on your own timeline. No open houses, no strangers walking through, no repairs required. Your home stays private, and so does your situation.

    $1.2T Total U.S. household debt, record high in 2025
    29M+ U.S. homeowners with equity and high-interest debt
    20%+ Avg. credit card interest rate homeowners carry
    $30K Average non-mortgage debt per U.S. household
    Calculate my debt cost
    Happy family having dinner at home after using Sell2Rent sale-leaseback for financial relief
    Simple 3-Step Process

    How it works

    Most homeowners complete the Sell2Rent process in 30 to 45 days. No credit check. No repairs. No public listings. We handle the paperwork, you handle the peace of mind.

    01

    Request Your Free Offer

    Share basic details about your property and your situation. We work with homeowners in all 50 states, though homes must meet certain eligibility criteria. See if your home qualifies.

    Takes 5 minutes
    02

    Review and Choose Your Best Offer

    Your home is presented to our nationwide network of vetted investors. You receive multiple offers and have the freedom to review, compare, and choose the one that works best for your timeline and financial goals. No pressure, no deadlines, no single take-it-or-leave-it number.

    You pick the offer that fits
    03

    Close, Cash Out & Stay

    Accept an offer, and receive your equity as cash at closing. Most transactions close in under 30 days, though timelines vary by situation. Sign your lease and stay in your home. Use the cash to address debt on your terms.

    Most close in under 30 days
    Why Not Just Refinance or Consolidate?

    More debt is rarely
    the path to financial relief

    Gen X couple at home weighing debt relief options — consolidation loan, HELOC, or sale-leaseback

    Consolidation loans shift the burden, they don't lift it

    Rolling debt into a new loan means another monthly payment, often at 7 to 12% interest. You still owe. You have just rearranged the weight.

    HELOCs put your home on the line, again

    A Home Equity Line of Credit uses your home as collateral for a new debt. Variable rates, monthly payments, and the same risk you started with.

    A residential sale-leaseback converts your equity into immediate debt relief

    In a residential sale-leaseback, you sell your home to a real estate investor at fair market value and simultaneously sign a lease to remain in the property as a renter. You receive your full equity as a lump sum at closing, with no loan application, no credit check, and no new monthly debt obligation created. The proceeds are yours to use however you need, whether that is eliminating credit card balances, settling medical debt, resolving tax liens, or simply creating financial breathing room. You stay in your home, your neighborhood, and your routine. The only thing that changes is the weight you were carrying.

    And you stay in your home, that part surprises most people

    You sell. You sign a lease. Your life stays exactly where it is. Same house, same neighborhood, same routine. Just more breathing room.

    Who This Is For

    Homeowners come to us
    from many different situations

    The equity in your home is yours. A sale-leaseback lets you put it to work, for whatever matters most right now.

    High-Interest Credit Card Debt

    The average U.S. household carries over $10,000 in credit card debt at 20%+ APR. One lump sum from your equity can eliminate years of minimum payments and stop the compounding cycle.

    Avg. U.S. balance: $10,479

    Medical Bills

    Unexpected medical expenses hit families hardest. A sale-leaseback can resolve years of outstanding medical bills in a single closing, without touching your savings or adding new debt.

    100M+ Americans carry medical debt

    Back Taxes & IRS Debt

    Tax liens and overdue property taxes can escalate quickly. Accessing your equity through a sale-leaseback lets you settle tax obligations before they become a larger problem.

    IRS penalties can reach 25%+

    Falling Behind on Mortgage Payments

    If you've fallen behind on payments, a sale-leaseback closes out the mortgage entirely at closing, protecting your credit and keeping you in your home as a renter with a fresh arrangement.

    Stops foreclosure timeline

    Personal Loans & Student Debt

    High-interest personal loans and long-running student debt can be resolved in one move. Stop the compounding and start building on a clean foundation.

    Avg. personal loan rate: 12–24%

    Divorce & Legal Settlements

    A sale-leaseback can split home equity fairly between both parties while allowing the occupying spouse to stay in the home, reducing disruption for the family during an already difficult time.

    Fair equity split at closing
    The Cost of Waiting

    What is your debt
    actually costing you?

    See the real monthly and 5-year cost of staying in debt vs. using a sale-leaseback to pay it off, and pay rent instead.

    $
    %
    $
    Scenario Monthly Cost 5-Year Total 5-Year Interest Paid
    Stay in debt
    Minimum payments on current debt     		— — —
    Sale-leaseback → pay off debt
    Debt gone at closing, pay rent instead     		— — —

    Estimates use minimum payment (interest + 1% of principal). Actual results vary. This is illustrative, not financial advice.

    Check If My Home Qualifies → (800) 954-6373
    Compare Your Options

    How does this compare
    to your other choices?

    A clear-eyed look at the most common paths homeowners consider when they need to access their equity, so you can make the right call for your situation.

    Sell2Rent
    Sell & Stay    		 Traditional
    Sale    		 HELOC /
    Refi    		 Debt Consolidation
    Loan
    Keep living in your home ✓ ✕ ✓ ✓
    Receive full cash from your equity ✓ ✓ Partial ✕
    No new debt or monthly payment ✓ ✓ ✕ ✕
    No credit check required ✓ ✕ ✕ ✕
    Insurance & taxes become owner's responsibility ✓ N/A ✕ ✕
    Maintenance & repairs eliminated ✓ N/A ✕ ✕
    Speed to cash 30–45 days 60–90 days 2–6 weeks 1–4 weeks
    Stops foreclosure risk ✓ ✓ ✕ ✕

    A sale-leaseback is the only path that provides full cash access, eliminates ownership costs, stops foreclosure risk, and lets you stay in your home, with zero new debt.

    Real Homeowner Stories

    Real families. Real relief.

    Homeowners across the country have used Sell2Rent to find financial breathing room without leaving the homes they love.

    ★★★★★

    "The road was a little bumpy along the way, but in the end, we are happy with the result, and have a huge feeling of relief now. Thanks for working with us, understanding our position and feelings about things and staying patient."

    DA
    Dhiannon & Andy
    Castle Rock, CO
    ★★★★★

    "Sell2Rent was a great experience. They helped us so much and the process moved very quickly. Adrian and AC answered all of my questions and we are very happy with how things went."

    LM
    Lori Moore
    Cincinnati, OH
    ★★★★★

    "Excellent experience working with the team. Thank you Santi, Ivan, Adrian and everyone else involved. I would highly recommend them to any homeowner looking for a smart financial solution."

    LG
    Luis Gonzalez
    Holyoke, MA
    ★★★★★

    "The team was amazing and the process was smooth. Sell2Rent did a great job assisting me. I finally have breathing room again. That alone was worth every step of the process."

    AM
    Amber M.
    Miami, FL
    Read all homeowner testimonials →
    Got Questions? We Have Answers

    Frequently asked questions
    about sale-leaseback & debt relief

    What is a sale-leaseback and how does it provide debt relief? +
    A residential sale-leaseback is a transaction where a homeowner sells their property to a real estate investor and simultaneously signs a lease to remain in the home as a renter. The homeowner receives the full sale proceeds, including all accumulated home equity, as a lump sum of cash at closing. That cash can be used to pay off any outstanding debt, including credit card balances, medical bills, back taxes, personal loans, or a combination. Unlike debt consolidation, no new loan is created. Unlike a traditional home sale, you do not move out. The result is immediate, debt-free financial relief without disrupting your daily life.
    How is a sale-leaseback different from a HELOC or debt consolidation loan? +
    A Home Equity Line of Credit (HELOC) and a debt consolidation loan both create new debt obligations. They require monthly payments, carry interest rates, and keep your home at risk if you miss payments. A sale-leaseback does none of those things. You sell the home outright, receive all your equity in cash at closing, and then rent the home back from the investor. There is no new debt, no monthly loan payment, no interest rate, and no collateral at risk. It is a fundamentally different financial outcome: a clean slate rather than a rearranged debt burden.
    Does a sale-leaseback hurt my credit score? +
    No. Sell2Rent does not perform a credit check, and the transaction itself does not generate a negative credit event. In fact, using the proceeds to pay off high-balance credit cards, overdue accounts, or collection items can improve your credit score significantly over time. Paying off revolving debt lowers your credit utilization ratio, which is one of the largest factors in most credit scoring models. Many homeowners report measurable credit improvement within 60 to 90 days of using sale-leaseback proceeds to clear outstanding balances.
    How fast can I access cash from my home equity? +
    Most Sell2Rent transactions close in under 30 days from the time you submit your property details, though timelines vary depending on the complexity of the transaction, your local market, and title conditions. You will receive a cash offer within 24 hours of your initial inquiry, with no credit check and no commitment required. You receive the full equity payout in a lump sum at closing, not in installments or draw periods like a HELOC.
    Can a sale-leaseback stop foreclosure? +
    Yes, in many cases. If a homeowner is behind on mortgage payments and a foreclosure process has begun, a completed sale-leaseback closes out the mortgage entirely at closing. This removes the underlying obligation that is driving the foreclosure, protects any remaining equity, and allows the homeowner to remain in the property as a renter. Each situation is different, and timeline matters, but many homeowners have used a sale-leaseback to avoid foreclosure and protect their financial standing. Contact Sell2Rent as early as possible if foreclosure is a concern.
    Does my home need to be in good condition to qualify? +
    Sell2Rent works with homeowners across a wide range of property conditions. Homes do not need to be renovated, staged, or professionally cleaned before submission. There are no open houses and no public listings. That said, not every home qualifies. Most homes in most markets do, but eligibility depends on available equity, location, and investor demand. Eligibility depends on factors such as your available equity, property location, market conditions, and the investor interest in your area. You can review the full eligibility requirements here or submit your property details and our team will confirm qualification within 24 hours.
    What types of debt can I pay off with a sale-leaseback? +
    There are no restrictions on how you use the proceeds from a sale-leaseback. Common uses include paying off high-interest credit card debt, resolving medical bills, settling IRS tax liens or back property taxes, paying off personal loans or private student debt, resolving legal judgments, and covering divorce-related financial settlements. The cash arrives at closing as a lump sum and is entirely yours to direct. Many homeowners use it to address multiple debt types simultaneously, achieving a complete financial reset in a single transaction.
    What happens at the end of my lease? Do I have to move? +
    At the end of your lease term, which you choose between one and five years at closing, you have several options. You may renew the lease if the investor agrees, transition to a new living arrangement you have had time to plan for, or in some cases explore purchasing a different property using the financial stability you have rebuilt. The lease-back period is designed to give homeowners breathing room. Most people use this time to eliminate debt, rebuild savings, and improve their credit. You are not automatically forced to leave at the end of the term, but a plan for that transition is worth having in place.
    Your Fresh Start

    Get out of debt.
    Stay in your home.

    You've worked hard for that equity. This is how you put it to work, on your terms, without losing the home you love.

    Check If My Home Qualifies Call (800) 954-6373
    No credit check
    Available nationwide
    Offer in 24 hours
    Subject to eligibility