Reimagining rent-to-own

Your rent should be building something.

You've done everything right. It's the system that's broken — on both sides. We built the fix.

If you're a renter
You've done everything right — and you still can't break through the down payment barrier.
If you're a landlord
You're ready to sell — but the traditional process is expensive, unpredictable, and exhausting.
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 villain you're up against

The Down Payment Trap is by design.

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 late-night maintenance issues. 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.

This is where the model flips.

Threshold is the introduction. We built the system that should have existed all along — 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 structured path to closing. No chaos. No predatory contracts. No lump sums. A fair, transparent path — because rent should build something.

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

A simple, transparent path — from where you are to where you want to be.

We built the infrastructure that makes rent-to-own legitimate, transparent, and predictable 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 role

We built the system that should have existed all along. Rent that builds — equity, credit, ownership.

We've seen both sides of this failure. We designed Threshold so the 44 million renters who pay on time every month can finally build toward something — and so landlords can exit without the chaos of a traditional transaction.

Ready?

Your path starts here.

Whether you're closer to owning than you think, or ready to exit on your own terms — choose your door.

For renters

You're not blocked by your income. You're blocked by the system.

You pay on time every month. You have stable income. You should be able to own a home. The only thing standing between you and ownership is the down payment — a lump sum that's nearly impossible to save while you're already paying rent. Threshold turns what you're already paying into equity toward the home you're 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

Here's what happens when rent builds.

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 path

From blocked to owning — 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

See if you're closer than you think.

No credit check. No commitment. Just your readiness profile — in about 4 minutes.

Start your application
5 short steps. No credit check. Takes about 4 minutes.
✓Your income & household info
✓Your rental payment history
✓Your homeownership timeline & goals
No credit check. No commitment. Your info stays private.
For landlords

Your tenant could be your buyer.

You don't need another tenant. You need a buyer. The traditional sale is expensive, unpredictable, and one in four fall through before closing day. Threshold gives you a committed, vetted buyer from day one — premium income while they build toward the purchase, and a clean exit without commissions or vacancy.

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
A smarter exit

Certainty, income, and a clean close. Without the chaos.

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.
Fewer maintenance headaches
Monthly maintenance escrow funds a vetted contractor network. Requests go through the app automatically — so you're rarely the first 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
✓
Wants a clear, structured path to exit

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

Get started

See your property's exit potential — free.

No obligation. No sales pitch. Just the numbers for your specific property.

Submit your property
5 short steps. Free analysis. Takes about 4 minutes.
✓Property address & details
✓Major system conditions & current status
✓Your rent, sale price & timeline goals
Free. No obligation. No credit check on you or your renter.
Step 1 of 5
1
2
3
4
5
Contact Property Condition Numbers Timeline Done
Step 1 of 5
Let's get started

Tell us about yourself

Everything is confidential. We use this only to follow up and guide your free property analysis.

Required
Required
Please enter a valid email
Required
Step 2 of 5
About the property

Tell us about the home

Single-family homes are our primary focus at launch. If you have multiple properties, start with the one you're most ready to place.

Required
Required
Required
Please select one
Required
Required
Step 3 of 5
Property condition

How are the major systems?

This helps us understand the property's readiness and flag anything that could affect agreement terms. Be honest — we'll review together.

Why we ask: Properties with significant deferred maintenance may not appraise at the intended purchase price. We'll discuss this before matching.
Please select one
Please select one
Step 4 of 5
The numbers

Let's talk dollars

These are starting points — we'll refine everything in your free property analysis. Estimates are fine.

How Threshold works: Your Threshold payment exceeds market rent. A portion builds as equity credit in escrow for the renter. You keep above-market income, avoid agent commissions, and close at a locked price.
Required
Required
Required
Step 5 of 5
Your exit plan

When do you want to sell?

Threshold works best for landlords planning to sell within 1–5 years. There's no wrong answer — we'll find a timeline that works for both sides.

Please select one

By submitting, you agree to be contacted by Threshold regarding your property. We don't share your information with third parties. No obligation, no credit check.

We've got your property.

A member of the Threshold team will reach out within 1 business day with your free property analysis and next steps.

Check your inbox for a confirmation.

Contact Household Income Rent history Goals Done
Step 1 of 5
Let's get started

Tell us about yourself

No credit check. No commitment. This information is used only to generate your readiness profile and follow up with next steps.

Required
Required
Please enter a valid email
Required
Required — must be 18 or older
Step 2 of 5
Your household

Who lives with you?

This helps us match you to the right properties. We match based on fit, not on limiting who can apply.

Please select one
Please select one
Required
Step 3 of 5
Income & finances

Tell us about your income

Threshold evaluates income stability — not just a number. Gig workers, self-employed, and 1099 earners are welcome.

No credit check at this stage. We use income and payment history to build your readiness score — not your credit score. A FICO of 580+ is helpful but not a hard requirement.
Required
Required
Required
Step 4 of 5
Rent payment history

Your track record matters

Consistent rent payments are one of the strongest signals of mortgage readiness. 24+ months of on-time payments puts you in a strong position.

Required
Required
Required
Required
Required
Your estimated readiness signal
—
Finish all steps for your full readiness profile.
Step 5 of 5
Your homeownership goals

What does owning mean to you?

We use this to understand your timeline, budget, and what a Threshold agreement would need to look like to work for your life.

Required
Required
Required

By submitting, you agree to be contacted by Threshold. No credit check is run at this stage. We don't share your information with third parties. No obligation.

Readiness profile submitted

You're on the path.

A member of the Threshold team will review your readiness profile and reach out within 1 business day with your full score and next steps.

Check your inbox for a confirmation.