Turn Your Rental Clients
Into Homebuyers
Your rental clients are already making the payment. Show them how they can own instead of rent — and help them build wealth through homeownership.
The Untapped Opportunity
Your rental clients think they can’t afford to buy — but most haven’t actually checked. Here’s how to show them the truth.
What Clients Say
“I need 20% down payment”
What You Tell Them
“You can buy with just 3% down through conventional loans or 3.5% with FHA — less than your move-in costs for renting.”
What Clients Say
“My credit isn’t good enough”
What You Tell Them
“FHA accepts credit scores as low as 580. Let me get you pre-approved to see what you actually qualify for.”
What Clients Say
“The market’s too expensive right now”
What You Tell Them
“Every year you rent is equity you’ll never get back. You can refinance later, but you can’t recover lost wealth-building time.”
Top 5 Reasons Buying Beats Renting
Here’s why homeownership is one of the smartest financial moves you can make
Build Equity, Not Your Landlord’s
Every mortgage payment builds ownership. Rent payments? Gone forever. In 5 years, buyers build wealth while renters have nothing to show for it.
Lock In Your Payment
Fixed-rate mortgages mean your payment stays the same for 30 years. Rent increases every year — buyers are protected from inflation.
Tax Benefits Add Up
Mortgage interest and property taxes are tax-deductible. Renters get zero tax breaks. Buyers can save thousands every year.
It’s Yours to Customize
Paint the walls, renovate the kitchen, get a dog. Homeowners have freedom. Renters need permission for everything.
Forced Savings Plan
Each payment automatically builds net worth. Homeownership is the #1 wealth-builder for middle-class families in America.
Stability & Roots
Create lasting memories in your own space. Homeownership provides stability for your family and a sense of belonging in your community.
The Conversion Formula
Turn monthly rent into buying power — it’s simpler than you think
Monthly Rent × 150 = Purchase Price
This simple formula helps you quickly identify which rental clients could qualify for homeownership
$1,500/mo rent
≈ $225,000 home
≈ $300,000 home
≈ $375,000 home
*Formula based on typical debt-to-income ratios, taxes, insurance, and current market rates
The Real Cost of Renting
Renting isn’t “safe” — it’s expensive. Here’s what the numbers actually show.
Example: $500,000 Home
$4,000
$12,000
5–7%
$0
None
Includes PITI (Principal, Interest, Taxes, Insurance)
Flexible Options for Every Buyer
Today’s buyers have more support than ever before.
All programs available with competitive rates (currently ~6.25% avg)
Conventional 3% Down
Just 3% down payment for first-time buyers with competitive rates
✓ Lower mortgage insurance
✓ Great for strong credit
FHA 3.5% Down
Only 3.5% down payment required – perfect for buyers with lower credit scores or higher debt
✓ Credit scores as low as 580
✓ More flexible DTI ratios
Seller Credits
Negotiate to have sellers cover your closing costs
✓ Reduce out-of-pocket costs
✓ Common in today’s market
Down Payment Assistance
Local and national programs to help with down payments
✓ Grants & forgivable loans
✓ State-specific programs
Already have a rate quote?
Real People, Real Results
See how renters just like you made the move to homeownership
Sarah & Mike Johnson
Before: “Paying $2,400/month rent for a 2-bedroom apartment”
Transformation:
Bought their first home
Results:
✓ Qualified for FHA loan with 3.5% down
✓ Monthly payment: $2,500 (including taxes & insurance)
✓ Built $35,000 in equity in first 2 years
✓ Used seller credits to reduce closing costs
✓ Now have a 3-bedroom home with a yard
We thought we’d be renting forever. LoKation showed us the path to homeownership was closer than we imagined.
Jennifer Martinez
Before: “Single mom renting at $1,800/month, worried about affording a home”
Transformation:
Purchased a condo with down payment assistance
Results:
✓ Used state down payment assistance program
✓ Conventional loan with just 3% down
✓ Monthly payment: $1,900 (slightly more than rent)
✓ Building wealth instead of paying landlord
✓ Stability for her kids in their own home
LoKation walked me through every option. I didn’t know programs like this existed. Now my kids have a place to call home.
Alex & Taylor Chen
Before: “Paying $3,200/month for a luxury rental”
Transformation:
Bought a townhome in their dream neighborhood
Results:
✓ Locked in 6.25% rate (better than competitors)
✓ Negotiated seller credits for closing costs
✓ Monthly payment: $3,400 (only $200 more)
✓ Tax deductions offset the difference
✓ Already gained $45,000 in appreciation
We compared rates everywhere. LoKation beat them all, and now we’re building equity in our own place instead of making our landlord rich.
Ready to stop renting and start owning?
Ready to Stop Renting and Start Owning?
Take the first step toward homeownership — we’re here to guide you every step of the way
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