You owe more than it’s worth
Selling today could mean a loss. S.T.A.Y. gives the loan time to come down and the market time to move, instead of forcing that sale.
Inland Homes · The S.T.A.Y. System
There’s another option.
If selling right now would mean bringing cash to closing — or losing the house altogether — you don’t have to pick either one.
Keep the title. Get your payments covered. Get cashed out at the end of the term.
No pressure. No obligation. Just a straight conversation about your options.
Why homeowners call us
When a normal sale doesn’t work, what then?
A traditional sale can leave you writing a check just to close. Waiting for the market can leave you stuck. Foreclosure helps no one.
S.T.A.Y. was built for that gap: hold the home, cover the costs, and exit on agreed terms — without giving up the title on day one.
You need to move, but can’t sell yet
Life moved on — a job, a family change, a new home — but the mortgage and the house are still there.
You don’t want a foreclosure
You want a plan that keeps payments current, protects the home, and gives you a clean cash-out at the end.
How it works
The S.T.A.Y. System, in four letters
S.T.A.Y. is a lease with an option to buy. Inland Homes leases your home, places a screened tenant-buyer in it, and stays involved until that buyer purchases the home and pays off your loan.
Seller keeps the title
You remain the owner. There is no title change at the start. You are not handing your home away — you are leasing it under a written agreement with an option to buy.
Tenant-buyer screened and approved by us
We find, screen, and approve the tenant-buyer. They are not a random renter — they are someone working toward buying the home.
All payments and maintenance covered
Your mortgage payments and the home’s maintenance are covered while the agreement is in place, so the home isn’t left empty or falling behind.
You get cashed out at the end of the term
When the tenant-buyer buys the home before the term ends, your loan is paid off and you are cashed out — that’s the exit the whole plan is built around.
For homeowners
What you get, in plain English
- You keep ownership until the home is purchased and your loan is paid off.
- Payments stay covered while the agreement is in place.
- Maintenance is handled — the home is lived in, looked after, and not left vacant.
- A clear exit: cash-out at the end of the term when the buyer closes.
- Time for the market and your loan balance to move in your favor.
Every deal is different. Price, term, and payment details are agreed in the written agreement — not promised on a phone call.
Start the conversationFor tenant-buyers
Want to buy, but need time to get there?
A tenant-buyer lives in the home, pays rent, and works toward purchasing it before the term ends. It can be a path to homeownership for people who need time to build credit, save, or qualify — while living in the home they plan to buy.
Interested as a tenant-buyer? Use the form below and choose “I want to buy a home this way,” or see the rent to own buyers page for the full buyer walkthrough and interest form.
The process
Four steps. No surprises.
- 1
Talk
Tell us about the home, the loan, and your timeline. We’ll tell you honestly if S.T.A.Y. fits.
- 2
Review it in writing
If it fits, you get the agreement to review — price, term, and payment terms, in plain language.
- 3
Place a tenant-buyer
We screen, approve, and place a tenant-buyer, and manage the home through the term.
- 4
Cash out
The tenant-buyer purchases the home, your loan is paid off, and you are cashed out at the end of the term.
Common questions
Questions homeowners ask first
Will title stay in my name?
Yes, and that is the whole point. The deed stays in your name until the day you get cashed out. We do not take your title, we lease your home. No one can sell your home out from under you, because you still own it.
Can the lender call the loan due?
Yes, they technically can, but as long as the payment is made on time every month, they almost never do. Lenders are in the money business, not the real estate business, and they do not want the house back.
What if the tenant stops paying?
Then that is our problem, not yours. Your agreement is with us, not with the tenant. We cover your payment while the agreement is in place, even if the tenant stops paying us. We handle the tenant, we replace them if we have to, and you never chase rent and never deal with an eviction.
What if the tenant trashes my home?
A tenant-buyer is not a renter. A renter has nothing to lose. A tenant-buyer has money at stake and is working toward owning that home, so they take care of it like it is already theirs. That is why this almost never happens. And if it does, that is our problem, not yours. We manage the home, we handle the repair, and we find the next buyer. You are not left with a trashed house and a bill.
Who covers the maintenance and repairs?
We do. That is the deal. While the agreement is in place, all payments and maintenance are covered, the home is lived in and looked after, and it is not left vacant. You do not get repair calls, you do not pay for upkeep, and you do not manage a vacant house.
How much will this cost me?
Nothing. Not a dime from you. Our service is completely free for you, the seller. Our buyers pay us a fee for finding them a home.
What are my risks?
Worst case, we cannot find a buyer you approve of in 30 days. You can choose to extend or cancel. In the meantime, you do not even have to remove your listing. If you find a conventional buyer, you can always cancel.
What if I’m underwater?
That is exactly who this was built for. If you could sell today and walk away clean, you would not need us. Time is what fixes an underwater loan. Every payment knocks the balance down, and the market gets time to catch up, instead of you being forced into a sale at a loss. Show us your numbers, and we will tell you straight if it works.
What happens at the end of the term?
Simple. The tenant-buyer buys the home before the term ends, your loan is paid off, and you are cashed out. That is the exit, that is the plan from day one, not a hope.
Do you assign the deal and walk away?
No, and that is the difference. A lot of investors will assign your deal and walk away, leaving you with a stranger. We do not. We stay in the deal, we manage it, and we are the ones you call, until the day you get cashed out.
How do you choose the tenant-buyer?
We do not put a random renter in your home. We screen and approve every tenant-buyer, and they have to be working toward buying, not just looking for a cheap rental. If we do not approve them, they do not move in. And you get a say too. If you do not approve a buyer, we keep looking.
What if the tenant-buyer does not buy at the end?
Then we do it again. We find another buyer, or you extend, or you cancel, it is your choice at that point. Your loan has still been paid down every month in the meantime, so you are in a better position than when you started, not worse. You still own the home, because the deed never left your name.
What if the home goes up or down in value?
Your exit price is agreed in writing up front, at today's value or your loan balance, whichever is higher, so you know your number from day one. You are not gambling on the market. If the market drops and a buyer walks, see the answer above. We find another buyer, or you extend or cancel, and the payments in the meantime have still paid your loan down.
What if you disappear or go out of business?
You are protected by the one thing that matters. The deed stays in your name. If we disappeared tomorrow, you would still own your home, no one else could sell it, and you could move on. We have done over 120 of these deals, we are not disappearing, but you do not have to trust us on that. Trust the paperwork, the deed protects you either way.
Why not just rent it myself, or list it with an agent?
You can, but then you are the landlord, the repairman, and the rent collector, and you still have a mortgage if the house sits vacant. An agent will list it, take a commission, and if it does not sell at the price you need, you are back to square one, or you bring cash to closing. With us, there is no commission from you, no landlord headaches, your payments are covered, and you have a buyer working toward a purchase, not just renting.
Do I have to move out, and what do I have to do?
Your part is simple. Get the house clean and show-ready, allow showings if you live there, and fix small repairs needed for showings. That is it. After that, we handle screening, placement, management, and payments. You do not become a landlord.
How can I trust you?
Fair question. We have done over 120 similar transactions successfully all throughout the USA, without a single complaint. Our program keeps the deed in your name until cashout, so no one can take your home.
Get started
See if S.T.A.Y. fits your home
Tell us a little about the situation and we’ll get back to you. No obligation, and no pressure to move forward.
- David Milano — Inland Homes
- Contact: use the form below — we'll reply by email.
- Email: info@davidmilano.com
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