🏡 BIOS Rent-to-Own: Turning Rent Into Ownership

A Smarter Path to Homeownership — A Stronger ROI for Investors

For decades, rent-to-own was confusing, risky, and often unfair. BIOS Homes is changing that.

We’ve combined transparent contracts, real financial coaching, and condo conversion strategies to help renters become owners — and help landlords unlock long-term value. Whether you’re a tenant working toward your first home, or an investor looking to improve returns, BIOS makes the path simple and secure.

✅ How It Works for Tenants

Rent-to-own at BIOS means:

  • Simple Agreements
    Know exactly how much rent you’re paying, how much goes toward your down payment, and when you can buy.

  • Build Equity While You Rent
    A portion of your rent (typically 20–30%) builds credit toward a future home purchase.

  • Stay on Track
    We support your credit-building, connect you with mortgage partners, and keep your goal in sight.

  • Transparent & Flexible
    If life happens, we offer flexible support — not penalties.

👥 What Tenants Must Do:

  • Pay rent on time

  • Take care of the home

  • Communicate early if issues arise

  • Commit to the path toward ownership

📜 Sample Rent-to-Own Terms

  • Monthly Rent: $1,500

  • Equity Credit: $300/month

  • Term: 3 years

  • Option to Purchase Price: $240,000

  • Purchase Window Opens: After 18 months

Get The Full Length Sample

🛑 Legal Note: This is a sample agreement for illustration only. All contracts must be reviewed and approved by your attorney.

💰 Why Landlords & Investors Love This Model

Pairing Rent-to-Own with Condo Conversions Creates:

1. 💵 Increased Cash Flow & Tenant Stability

  • Rent-to-own tenants pay more consistently and take better care of the property

  • Lower vacancy and turnover rates

  • Tenants treat the unit like their future home

2. 📈 Higher Property Values & Built-In Buyers

  • Condo conversion increases per-unit resale value

  • Existing renters become motivated buyers

  • Predictable exit strategy for investors

3. 💼 Tax Advantages & Wealth Creation

  • Continue depreciation while renting

  • Reduce capital gains with long-term tenant sales

  • Enjoy consistent passive income and future appreciation

🔨 How the Rent-to-Own Program Works

Tenant Eligibility:

  • Proof of income

  • Clean rental history

  • Commitment to ownership

  • Completion of a financial literacy or homeownership education program

Lease Agreement:

  • Term: 1–3 years

  • Exclusive purchase option included

  • Locked-in purchase price

  • Rent credit of 20–30% applied toward down payment

Financing:

  • Upfront option fee (1–3%) applied to purchase

  • Monthly rent set at market rate, with credit applied

  • Mortgage support provided through our lending partners

🏘️ BIOS Communities & Condo Conversions

BIOS is integrating rent-to-own into newly built and converted communities, offering:

  • Affordable, energy-efficient homes

  • Built-in education and financial support

  • Investor-friendly returns and pre-qualified buyers

  • Stable, long-term community development

⚖️ Legal Support for Everyone Involved

Tenants should:

  • Have a real estate attorney review their contract

  • Understand rent credits, option fees, and timelines

  • Ask questions before signing

Investors should:

  • Hire legal counsel for condo conversion compliance

  • Draft clean condo declarations and HOA bylaws

  • Follow all tenant notice and transition laws

  • Use legal structures to minimize risk and maximize value

How rent to own programs align with condo conversions 

Condo Conversions

📈 What’s Next: Factory-Built Ownership at Scale

BIOS Homes and Connecticut Real Estate Brokerage LLC are now building the future of Rent-to-Own.

We’re combining condo conversions with Rent-to-Own housing to help investors unlock more value — while giving tenants a real chance to build equity and stability.

And soon, we’ll take it even further.

🚀 BIOS is opening its own modular home factory to build Rent-to-Own units factory-direct — reducing costs, increasing quality, and delivering affordable ownership-ready homes at scale.

This is the next evolution of housing:

  • Affordable to build

  • Equitable to buy

  • Profitable to own

Whether you’re a landlord looking to convert rentals into condos or an investor seeking turnkey Rent-to-Own opportunities, BIOS has the tools, the team, and the homes to make it work.

📞 Ready to Build Wealth the Right Way?

Let’s talk about how BIOS Rent-to-Own can transform your rentals into real returns — and renters into proud owners.

Steve Schappert
Connecticut Real Estate Brokerage LLC
In Partnership with BIOS Homes
📱 203-994-3950