Sell Your House. Stay In It. Here’s How.
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If you’ve been Googling "sell my house and stay in it" at 2 AM, you’re in the right place. Leaseback.com is the only site that covers every leaseback program, compares them honestly, and tells you what the providers won’t.
What Is a Sale-Leaseback?
A sale-leaseback (also called a sell-and-stay or rent-back program) is a real estate transaction where you sell your home to a buyer, usually an investor or a company that specializes in these deals, and immediately sign a lease to keep living in it as a renter. Here’s what that looks like in practice:
The typical residential sale-leaseback takes 30–45 days from application to closing. Homeowners receive 80–95% of their home’s fair market value in cash. Monthly rent is set at local market rates, and lease terms range from 1 to 5 years depending on the program. Unlike a HELOC or home equity loan, a sale-leaseback requires no credit check, adds no new debt, and has no interest payments.
Think of it like this: your home equity is a savings account you can’t touch without selling and moving. A leaseback lets you crack open that piggy bank without actually leaving the house. Except it’s a house, not a piggy bank. You get the idea.
Why Would Anyone Sell Their House and Rent It Back?
Great question. Here’s the short answer: because sometimes you need the money more than you need the mortgage. With a sale-leaseback, you get:
Step 1:Cash from your equity — fast
Most programs close in 30 days. That’s your equity converted to cash in your bank account, not locked behind a 60–90 day traditional sale process. Perfect for paying off debt, covering medical bills, or just breathing again.
Step 2: No repairs. No staging. No open houses.
Leaseback buyers purchase homes as-is. That leaky roof? Not your problem to fix before selling. That outdated kitchen? The buyer already priced it in. Save yourself thousands and the headache of prepping a house for market.
Step 3:No new debt. No credit check. No interest. Sell
A HELOC adds debt. A reverse mortgage adds complexity. A sale-leaseback is a sale — you get cash from your equity without borrowing a dime. No credit score requirement. No interest rate keeping you up at night. No monthly payment creeping up.
Step 4: You stay in your home
This is the whole point. You sell, you cash out, and you stay. Same house. Same neighborhood. Same school for the kids. Same commute. Just without the mortgage, the property taxes, and the homeowner’s insurance bill.
Step 5:The investor handles ownership costs
Once you sell, the new owner is responsible for property taxes, homeowner’s insurance, and major maintenance. Your only obligation? Pay rent and live your life.
Who benefits from Leasebacks ?
Leasebacks are designed to give you financial stability and a way out of taking more debt and also save by avoiding the expenses of homeownership. Leasebacks are for people who:
Need to sell fast and As-is. No time or money for repairing the house
Need to cash to pay off debt. Debt so large that will outweight the potential value of the home. Or debt with payment that exceed 30% of the family´s income.
Homeowners in foreclosure or pre-foreclosure
Homeowners in Debt: Need cash fast without credit damage
Retirees: Downsizing debt without downsizing lifestyle
People going through divorce that need to do asset division without having to compromise on children's environment
How do Leasebacks compare to Alternatives?
If you are looking to transform your house into cash these are the alternatives
(Unless you want 30% less)
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