Own Your Dream Home In Cleveland - No Perfect Credit Required!
Lease-Purchase Home — Submit Your Terms and Move In. No Bank Qualifying Needed!
How It Works
Your Path to Homeownership, Made Simple
At Dream Key Homes, we make owning your dream home easier than ever. Whether you’re not ready for a mortgage today or simply want a flexible path to ownership, our step-by-step process helps you move in with confidence and buy when the time is right.
1. Find Your Dream Home
Browse our wide selection of beautiful homes in great neighborhoods. Choose the one that fits your lifestyle, budget, and long-term goals.
2. Get Approved with Ease
We’ll review your situation — income, savings, and goals — to match you with the best lease-to-own or rent-to-own program. No perfect credit needed.
3. Move In & Make It Yours
Once approved, you can move in and start living in your dream home right away while working toward ownership. Every payment brings you one step closer to owning it.
4. Buy When You’re Ready
When you’re ready to purchase, simply use your option to buy the home at a pre-agreed price. No surprises, no stress — just a smooth transition to full ownership.
Start your home ownership journey today.
Home Listings
Live here now, buy it later
Begin your journey to homeownership today. Browse rent-to-own homes available now.
We Are Dedicated to Finding You a Home
We are not Realtors selling someone else’s homes, and we are not bankers or loan brokers who get paid to secure a loan for you. We are the actual owners of several beautiful homes, and many of these are available for purchase. Because we own the homes, we have the flexibility to finance all or part of your purchase ourselves or offer a lease option, depending on your situation.
That means all the usual rules about credit, debt ratios, and income verification can be set aside. We can structure financing in a way that truly fits your needs.
If you are ready to own a home, we can give you several options. If we have a home you like and you have something to work with, you could be living in your new home in less than 30 days.
- If you have very bad credit and no money, we may not be able to help.
- If you have some money but damaged credit, there’s a very good chance we can help you buy now.
Remember, we own the homes. That gives us the ability to make creative solutions work. Many people who thought they couldn’t qualify for a home are now proud homeowners because they allowed us to work our “magic.”
What Our Clients Say
Real Stories from Real Homeowners
Who Can benefit
Dream Key Homes gives you options on your path to homeownership
1
First-Time Homebuyers
Take advantage of our homebuyer education while preparing to buy the home. Your dedicated homeownership coach will make sure you stay on track to be mortgage-ready.
2
Credit Builders
If your FICO credit score isn't where you'd like it to be, rent-to-own with Dream Key Homes gives you the time and opportunity to build your credit while living in the home you plan to buy. If your credit is below 600, talk to us about our credit building partnerships.
3
Relocators
Try before you buy! If you're new to the area and aren't ready to commit to a home, our program allows you to try out the neighborhood while you rent, with the option to buy when you're ready.
Frequently Asked Questions
Everything You Need to Know About Getting Your Dream Home
You might be surprised! Traditionally, your new house payment plus all fixed monthly payments (like car payments, credit cards, student loans, etc.) should not exceed 45% of your gross monthly income. But we’re flexible—we can approve debt ratios above the standard depending on your situation.
We make homeownership simple and flexible. You choose a home you love, move in with a lease-to-own or rent-to-own plan, and have the option to buy it later at a set price. It’s a clear path from renting to owning.
No, you don’t! We work with individuals and families who may have less-than-perfect credit. Our programs are designed to help you build your credit and prepare for homeownership over time.
Most of our clients are able to purchase their home within 1 to 3 years. The timeline depends on your readiness and financial goals — we’ll help you every step of the way.
You can choose from a wide selection of move-in ready homes in desirable neighborhoods. We’ll work with you to find a home that matches your budget, lifestyle, and long-term plans.
Yes, there’s typically a one-time initial payment to secure your home. This amount varies depending on the property and is often applied toward your future purchase.
It’s easy! Click “Get Started” on our website, fill out a quick form, and one of our specialists will reach out to help you find your ideal home and plan.
