Reimagining rent-to-own

Your rent should be building something.

Threshold connects financially ready renters with landlords who are ready to sell — a path to homeownership that works for everyone.

For renters
Your path to homeownership starts here
For renters Start building equity
For landlords
Your tenant is your buyer
For landlords List your property

Tap a door to enter

44M
US renters locked out of homeownership
$16K
Avg. equity renters build over 36 months
$17K
Avg. agent commissions landlords avoid
1 in 4
Traditional home sales fall through at closing
The problem we're solving

The system is broken on both sides.

Millions of American renters pay $1,500, $1,800, even $2,200 a month — on time, every month, for years. They have stable incomes. They'd qualify for a mortgage comfortably. The only thing keeping them from owning is the down payment — a lump sum that's nearly impossible to save when you're already paying someone else's mortgage through your rent.

On the other side, millions of individual landlords are quietly exhausted. The tenant turnover. The maintenance calls at midnight. The uncertainty of when — or whether — a traditional sale will actually close. One in four home sales falls through before closing day. They want out, but the path is too complicated and too costly.

"Both problems have the same solution. They just haven't been introduced yet."

Threshold is the introduction. A platform where a renter's monthly payment builds real equity toward the home they're already living in — and a landlord gets a committed, vetted buyer, above-market income, and a guaranteed closing. No chaos. No predatory contracts. No lump sums. Just a fair, transparent path that works for both sides simultaneously.

The renter's reality
$144,000 paid. Zero equity built.
A renter paying $2,000/month for 6 years has spent $144,000 — enough for a 50% down payment on most homes. They have nothing to show for it. Threshold changes that starting on month one.
The landlord's reality
45 days of vacancy. Every. Single. Year.
The average individual landlord loses 45 days of rent per year to tenant turnover — plus cleaning, repairs, listing fees, and screening costs. Threshold locks in a committed buyer-tenant for 36 months straight.
The Threshold difference
Finally, a platform that's on your side.
No predatory terms. No hidden markups. No fees designed to benefit us at your expense. Threshold is transparent by design — for renters and landlords alike.
How it works

One platform. Two paths. One outcome.

Threshold builds the infrastructure that makes rent-to-own legitimate, transparent, and scalable for both sides of the market.

01
Smart matching
AI pairs financially ready renters with landlords open to selling — based on income, credit trajectory, neighborhood, and timeline compatibility.
02
Equity accumulation
A portion of every monthly payment flows into neutral third-party escrow, building toward the purchase price in real time — with interest.
03
Managed conversion
At month 30, Threshold's mortgage readiness report and lender partnerships ensure a smooth, prepared conversion from renter to owner.
Our mission

"The down payment trap isn't a character flaw. It's a broken system. We're fixing both sides of it at once."

Built for the 44 million renters who pay on time every month — and the landlords who want to sell without the chaos of a traditional transaction.

Ready?

Choose your door.

For renters

Stop paying rent into nothing.

You pay on time every month. You have stable income. You're ready for a mortgage — you just can't clear the down payment hurdle. Threshold fixes that. A portion of every payment you already make builds toward the home you're already living in.

Readiness snapshot
74
Strong readiness
You qualify for most listings
Payment history
92
Income stability
85
Savings rate
58
Credit score
62
Debt-to-income
78
Agreement active — Month 9 of 36 · $3,708 built
Why Threshold

Everything you've been missing.

Lock in today's price
Sign today and your purchase price is locked — no matter how much the market appreciates over the next 3 years.
Equity without a lump sum
$412 of every monthly payment flows into your escrow. Your path to ownership is funded by rent you're already paying.
Credit building built in
Every on-time payment reported to all three bureaus automatically. Most renters gain 40–80 points over 36 months.
Your escrow earns interest
Unlike every other rent-to-own product, your escrow grows with interest. 75% goes directly to your equity balance.
Hardship protection
Threshold includes a 90-day hardship pause for qualifying events. Your path doesn't disappear when life happens.
Managed mortgage handoff
At month 30, Threshold connects you with partner lenders who specialize in Threshold conversions. You arrive at closing prepared.
The journey

From renter to owner in 36 months.

01
Check your readiness
Answer a few questions about your income, payment history, and goals. No credit check. No commitment. Get your readiness score and see what properties you qualify for in minutes.
02
Get matched with properties
Threshold's AI surfaces compatible properties based on your profile, target neighborhood, monthly budget, and timeline. You choose what feels right.
03
Sign your agreement and move in
Three documents: a standard lease, a separate option agreement locking your purchase price, and an escrow agreement. Plain English. Legally standardized.
04
Build equity month by month
Watch your equity tracker in real time. Every payment builds your balance. Every month your credit climbs. The dashboard shows exactly where you stand.
05
Convert to a mortgage and close
At month 30, Threshold sends your mortgage readiness report and connects you with partner lenders. Your equity credits apply to closing. The home is yours.
Your equity

Watch your ownership grow.

Equity at 36 months
$16,200
Credit score gain
+68 pts
Price locked
$285K
Lump sum needed
$0
Ownership progress — month 18 of 36$8,100 built
$276,900 remaining toward $285,000 locked purchase price
Who qualifies

Threshold is for you if—

✓
You have steady income
✓
You pay rent on time
✓
Gig or variable income welcome
✓
No family wealth required
✓
Credit rebuilding welcome
✓
First-generation buyers welcome

No perfect credit score required. No lump sum. Just steady income and a commitment to the home you're ready to own.

Get started

Find out if you qualify in 3 minutes.

No credit check. No commitment. Just your score.

Check my readiness
No credit check. No obligation. Takes 3 minutes.
Score: 74 — Strong readiness. You qualify for 12 properties in your area.
No credit check. No commitment.
For landlords

Your tenant could be your buyer.

You want to sell eventually. But finding a qualified buyer, negotiating price, surviving inspection, and paying a realtor 6% costs you time, money, and certainty you can't get back. Threshold gives you a pre-committed buyer, premium rent, and zero transaction headaches.

Property snapshot — 2BR Maple Ave
Monthly income
$1,850
vs. $1,400 standard rent
Locked sale price
$305K
Set by you on day one
Commission saved
$18.3K
vs. traditional sale
Tenant match
97%
Sarah K., vetted buyer
Agreement progressMonth 9 of 36
On track to close Mar 2028 · Next payment Mar 1
Why landlords choose Threshold

Everything you want. None of the hassle.

You set the sale price
Lock in your number on day one including anticipated appreciation. No negotiating at closing. No market anxiety. Your price is your price.
Above-market rent
Threshold payments include a monthly option premium above standard market rent — compensating you for locking in the sale price.
No agent commissions
Save $15,000 to $17,000 on a typical home sale. No listing agent, no buyer's agent, no open houses, no negotiation theater.
Owner-minded tenants
A tenant buying the home behaves completely differently. They maintain it, invest in it, and treat it like theirs. Because it will be.
Zero vacancy for 36 months
The average landlord loses 45 days per year to tenant turnover. Threshold locks your tenant in for the full term — eliminating that entirely.
No maintenance calls
Monthly maintenance escrow funds a vetted contractor network. Requests go through the app automatically. Never a 2am phone call.
The Threshold difference

Built for owners. Not against them.

For landlords & owners

Finally, a platform that's actually on your side.

The property management industry was built to extract — from landlords and tenants alike. Hidden markups, buried fees, misaligned incentives. Threshold was built to end that.

No conflicts of interest We make money when your property succeeds — not on fees, markups, or maintenance kickbacks.
Radical transparency Every charge is visible, explained, and yours to approve. No surprises on your statement — ever.
Built for the long term Fair terms for tenants means lower turnover for you. Everyone wins — by design, not by accident.
Real savings

We eliminated the fees they built their business on.

Traditional property managers in Minneapolis–St. Paul charge a lot to do a little. Here's what Threshold removes entirely:

Monthly management fee (10%)
$1,920/yr$0
Tenant placement fee
$1,600$0
Lease renewal fee
$200–300$0
Maintenance markup (15–20%)
Varies$0
Avg. annual savings Per Twin Cities property
$3,700+

Based on avg. rent of $1,600/mo across Minneapolis–St. Paul. Tenant placement assumes ~2yr tenancy. Maintenance markups not included in total.

How it works

List once. Sell with certainty.

01
List your property
Enter your property details, set your desired sale price, and choose your timeline. Threshold's AI pricing tool suggests optimal pricing based on local market data and appreciation forecasts.
02
Review your matched buyers
Threshold presents thoroughly vetted, AI-underwritten buyer candidates — income verified, payment history analyzed, readiness scored. You approve your preferred match.
03
Sign the agreement
Three documents: a standard lease, a separate option agreement locking the purchase price, and an escrow agreement. Plain English. Legally standardized.
04
Collect and monitor
Your dashboard shows monthly payments, escrow accumulation, and your timeline to closing. Maintenance goes through the platform. You simply collect your payment.
05
Close at your locked price
Threshold manages the mortgage handoff and coordinates closing. You receive your full agreed price. No surprises. No last-minute renegotiation.
The numbers

What Threshold means for your bottom line.

Based on a $285,000 property, 36-month agreement.

Item
Traditional
With Threshold
Monthly rental income
$1,400/mo
$1,850/mo premium
Property management fee
$140–168/mo
$0
Vacancy costs per year
$2,800–4,200
$0 for 36 months
Agent commission at sale
$17,100 (6%)
$0
Sale price certainty
Market dependent
Locked on day one
Total 36-month advantage
$25,000–$40,000+
Who it's for

The right Threshold landlord—

✓
Owns 1–3 rental properties
✓
Plans to sell within 1–5 years
✓
Values certainty over speculation
✓
Tired of tenant turnover
✓
Wants to exit property management
✓
Prefers a guaranteed clean exit

Not every landlord is right for Threshold. If you want certainty, premium income, and a guaranteed exit — welcome.

Get started

See what Threshold means for your property.

Free property analysis. No obligation. Just numbers.

Get my property analysis
Takes 2 minutes. No commitment.
Your property qualifies. Estimated Threshold advantage: $31,400 over traditional sale + rental.
Free. No obligation. No credit check.
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