The Lease2Buy concept is targeted at creating a format under which a potential home buyer that cannot qualify for a loan because of credit reasons, income verification, and/or doesn’t have the cash to get the desired loan, can connect with a seller who is willing to lease it to them on a lease with option to purchase basis. This makes it one of the only methods available that gives the potential Buyer the ability to simultaneously work on their credit while working towards home ownership on a home they already rent. During the lease period, the buyer pays higher than market rent in order to build up credits that can be used to partially or fully offset the down payment and closings costs when they finalize the purchase. The Lease2Buy Program gives them the option of selecting their future home now or buy the home that they are currently renting, and gives them the time to solve the credit or lack of cash issues along the way.