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.”
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
Do I lose my house?
No. Under S.T.A.Y., you keep the title. The home is leased with an option to buy — it is not transferred to us or to the tenant-buyer at the start.
Do you assign the deal and walk away?
No. Inland Homes stays in the deal, manages the tenant-buyer and the property, and stays involved until the buyer purchases the home.
Who covers the mortgage and maintenance?
All payments and maintenance are covered while the agreement is in place. The exact payment structure is set out in your written agreement.
What happens at the end of the term?
The plan is for the tenant-buyer to buy the home before the term ends. That purchase pays off your loan and cashes you out.
What if I’m not underwater — can this still work?
Possibly. If you have equity, or you simply need time and a managed exit instead of a rushed sale, talk to us about your numbers and timeline.
Is this legal advice or a guarantee?
No. This site explains the S.T.A.Y. System in general terms. Your actual terms are in the written agreement, and you should have your own attorney or advisor review it before you sign.
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: Inlandhomes909@gmail.com
Prefer to talk first? Send a message below and mention S.T.A.Y.