How much time do I need to stop the foreclosure process with Sell2Rent?

We need at least three weeks before the scheduled auction date to successfully stop the foreclosure. The earlier you reach out, the more flexibility we have on pricing and terms. If you have only received a Notice of Default with no auction date yet, we have the most time to work with.

How can a sale-leaseback stop my foreclosure?

A sale-leaseback lets you sell your home to a vetted investor at fair market value. The proceeds pay off your entire mortgage balance at closing, legally ending the foreclosure process. You then sign a lease and continue living in your home as a renter. No auction. No eviction. No moving.

Will I have to move out after the sale?

No. After the sale closes, you sign a lease with the new property owner and continue living in your home, same house and same neighborhood, for 1 month to 5 years depending on the lease term you select at closing.

How is a sale-leaseback different from a short sale?

A short sale requires lender approval, typically sells below market value, and you must move out. A sale-leaseback sells at fair market value with no lender approval needed, and you stay in your home. You receive more equity and avoid the move entirely.

Does a sale-leaseback hurt my credit score?

Sell2Rent does not perform a credit check. The transaction is a standard home sale and does not generate a negative credit mark. By closing out your mortgage in good standing, you avoid the 100-160 point drop and 7-year mark that a foreclosure leaves on your report.

How long can I stay in my home as a renter?

Sell2Rent secures leases from 1 month up to 5 years. Property owners generally welcome long-term residents who pay rent on time and maintain the home well. At the end of your lease term, you can often renew, negotiate a new term, or move on your own timeline.

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 fully updated or move-in ready. You must have more than 30% equity in your home to qualify.

Sell2Rent charges a transaction fee, typically around 6% of the sale price with a minimum of $11,500, plus standard closing costs. All costs are transparently outlined in your final offer before you commit to anything. No surprises.

Sale-Leaseback Solution

Stop Foreclosure.
Stay in Your Home.

Sell your home to pay off the mortgage, then rent it back and keep living there. Your credit is protected. Nothing changes about your daily life.

Check if your home qualifies in 60 seconds Address

A+ BBB Rating

500+ Homeowners Helped

All 50 States · Since 2019

No Upfront Fees

Your address Change

Your Situation

Contact Info

How much of your home is paid off?

More than 30% paid off Less than 30% paid off

Where are you in the process?

Behind on payments Notice of Default received Auction date set Not sure

Your answers help us assess your situation. No credit check. No obligation.

Full Name

How would you like us to reach you?

Text me

Call me

Email only

Phone Number

Your information stays private. We never sell or share your data. Zero obligation.

BBB

A+ Rating

Better Business Bureau

4.9 ★ Google

80+ verified reviews

4.1

Trustpilot

Independent reviews

All 50 States

Nationwide

You Are Safe Here.

We have a real address. 19790 W Dixie Hwy STE 501, Miami, FL 33180.

A+ BBB rating. Verify it yourself on the BBB website.

Operating since 2019, all 50 states, 500+ homeowners helped.

No upfront fees, ever. Our fee (~6% / $11,500 min) is disclosed in writing before you commit.

We'll tell you to call a free HUD counselor. A scam never sends you to a government-approved third party.
Call 1-800-569-4287 for a free, unbiased second opinion before deciding anything.

The Foreclosure Clock Is Running

Understanding the scale and timing helps you make the right move, fast.

1 in 53

US homes received a foreclosure filing in 2024

ATTOM Data

120 days

Typical time from first missed payment to foreclosure sale

CFPB

−15%

Average value lost vs. market price at auction

CoreLogic

7 years

Foreclosure mark stays on your credit report

Experian

Know Where You Stand

The Foreclosure Timeline: Your Window to Act

Each stage has different options. The earlier you act, the more leverage you have.

Stage 1

Missed Payments, No Formal Notice Yet

Missed 1–3 payments

The lender has filed nothing yet. You have the most options and time. A sale-leaseback can close and pay off your mortgage before any default is officially recorded, keeping your credit intact.

Check my home →

Stage 2

Notice of Default (NOD) Filed

Official foreclosure started

Foreclosure is officially started (public record). You typically have 90–120 days before a sale date is set. A sale now closes the mortgage in good standing, avoiding the foreclosure mark on your credit for 7 years.

See my options →

Stage 3

Notice of Trustee Sale / Auction Set

Sale date set or posted

A sale date is recorded, often 21 to 30 days away. A fast close may still be possible if your home has equity. Call us directly now.

Call now →

Stage 4

Post-Auction / REO

Home already sold at auction

The home has been sold at auction or transferred to the lender. A sale-leaseback is no longer possible. Contact HUD at 1-800-569-4287 for free guidance on next steps.

Call HUD: 1-800-569-4287 →

Homeowner reviewing their options with Sell2Rent

The Solution

You Sell. You Stay.
You Keep Your Life.

A sale-leaseback is a legal transaction where you sell your home to stop the foreclosure, then immediately sign a lease to stay as a tenant.

You stay, same address, same neighbors

Your right to remain is protected by the lease you sign for the full term you choose. The new owner cannot end the lease early without legal cause.

Mortgage closes in good standing

Because you're selling, not defaulting, the mortgage is paid off. Your credit avoids the foreclosure mark a completed default would leave for 7 years.

You receive cash from your equity

After the mortgage payoff and our fee, any remaining equity is yours. You're selling, not borrowing. No new loan or debt is created.

Full fee transparency: ~6% of sale price, $11,500 minimum. Disclosed in writing before you sign anything. No surprises at closing.

What Happens After You Contact Us

A simple, transparent process. You stay in control at every step.

We Review Your Property

Within 24 hours we pull property data, check equity, and assess your timeline. We'll be upfront if a leaseback won't work for your situation.

You Receive a Written Offer

Sale price, our fee, your net cash, and proposed lease terms including monthly rent, all in writing. No verbal promises.

Close & Sign Your Lease

At closing, your mortgage is paid off, you receive your equity, and you sign your lease. The foreclosure is stopped. You keep the keys.

You're in Control at Every Step

Walk away before signing. No penalties.

Lease term negotiated: typically 1 to 3 years with renewals.

Rent amount set in lease before closing. No post-closing surprises.

Real estate attorney reviews all closing documents.

Compare Your Options

How a Sale-Leaseback Compares

An honest side-by-side. Not every option fits every homeowner.

What You Care About	Sale-LeasebackSell2Rent	Short Sale	Deed in Lieu	Auction	Bankruptcy
You stay in your home	✔	✘	✘	✘	~
Foreclosure stopped	✔	✔	✔	✘	~
Credit avoids foreclosure mark	✔	~	~	✘	✘
You receive cash at closing	✔	✘	✘	~	✘
No new debt created	✔	✔	✔	✔	✘
Fast close (weeks not months)	✔	✘	~	✘	✘
No lender approval required	✔	✘	✘	✔	✘
Fee disclosed upfront	✔	~	✔	✘	~

✔ Yes · ✘ No · ~ Varies. This is general. Consult a licensed professional for your situation.

Real Homeowner Stories

Real families. Real relief.

Homeowners across the country have used Sell2Rent to find a path forward and stay in the homes they worked so hard for.

★★★★★

“Sell2Rent did a great job assisting me. The process was smooth and fast. I was behind on my mortgage and did not know what to do. They gave me a real solution.”

Amber M.

Miami, FL

★★★★★

“Sell2Rent was a great experience. They helped us so much and the process moved very quickly. I finally have peace of mind knowing I can stay in my home.”

Lori Moore

Cincinnati, OH

See all homeowner testimonials →

FAQ

Honest Answers to the Hard Questions

Can the new owner evict me after they buy my home?

No. Your right to stay is protected by the lease you sign, for the full term you choose. Early termination by the owner without legal cause is not permitted under the lease terms.

Will my rent go up after the sale?

Your rent is set in the lease before closing. You know the exact number before you sign anything. Any adjustments after the initial term are governed by the renewal terms in your lease, which you review and agree to upfront.

What if the investor sells the house? Can I be kicked out?

Your lease transfers with the property. If the investor sells, the new owner buys the home with your lease in place. Your right to occupy and your lease terms remain unchanged. This is standard in real property law.

What if I can't pay rent down the road?

The same tenant protections that apply to any renter apply to you. Your landlord must follow your state's eviction process, not immediate removal. We recommend setting rent at a realistic level during the offer process.

Does my credit take a hit?

Because you're selling, not defaulting, your mortgage closes in good standing, avoiding the foreclosure mark a completed default would leave for 7 years. Existing missed payments may have some impact, but a sale-leaseback is significantly better for your credit than a completed foreclosure.

What are your fees? Any hidden costs?

Our fee is ~6% of the sale price, with a $11,500 minimum. No upfront fees, ever. The fee is deducted at closing from sale proceeds. You'll see a complete closing disclosure before signing. No surprises.

Do I need equity to qualify?

Generally yes, the home needs enough equity to cover the mortgage payoff, our fee, and closing costs. Homes with less than ~30% equity in some markets may not qualify. The 60-second property check tells you if you're a match.

Should I talk to a HUD counselor first?

Yes, we recommend it. Call 1-800-569-4287 for a free, confidential conversation with a government-approved housing counselor. They have no stake in your decision and will give you an unbiased view of all options. Many homeowners do this before and after receiving our offer.

Ready to Stop the Foreclosure
and Stay in Your Home?

The 60-second check is free, confidential, and carries zero obligation.

Not ready to share your details? See how it works first →

Call now

Stop Foreclosure.Stay in Your Home.