Rent to own was broken. We started Upswing to fix the part that matters.
Upswing Homes is a Tulsa-based rent to own marketplace. We hold homes, owners list homes with us, and every one of them uses the same two documents: a lease and a real option to buy at a price that doesn't move.
Too many "rent to own" deals were built to fail.
Around Tulsa, rent to own has meant contracts for deed where a missed payment cost people the house and everything they'd paid, and "rent credit" programs where the price was marked up first and the credit was the buyer's own money coming back. National programs came and went. Families were left with a new landlord and a contract nobody explained.
We think the mechanic itself is good: live in the house, lock the price, buy when you're ready. So we kept that and cut the rest. Rent is rent. The fee is the fee. The price is the price. And the paperwork is on this website before you ever call.
What every Upswing home has in writing.
A price that can't move
The total cost is on the listing. The purchase price is written on the option agreement on day one and fixed for 36 months. Up or down, it's your number.
Rent that can't move
No annual increase for the full term. What you sign is what you pay.
No rent credits
Because they're funded by markups. We keep the three numbers separate so you can compare us to anyone.
A real option
The right to buy, never the obligation. Walk away and your loss is capped at the option fee.
Same contract, every home
Our homes, owners' homes, any-home purchases. One lease, one option, posted online in English and Spanish.
Locally owned
Based in Tulsa. We hold the homes and manage the program ourselves. No venture fund, no exit, no surprise landlord.
How Upswing makes money
We'd rather tell you before you ask.
- The option fee. It's the price of holding a home at a fixed number for 36 months. It's part of the advertised total cost, shown on every listing, and non-refundable if you don't buy.
- Rent during the lease. Fair rent for the home, fixed for 36 months.
- Owners who list with us. A flat $299 to post a home on the marketplace (that covers marketing, screening, paperwork and the closing, with no commission on the sale) plus $25 a month while Upswing manages it. Buyers never pay Upswing a fee beyond the option fee and rent.
What we don't do: raise the price or the rent to fund a "credit" and hand your own money back to you.
Tulsa now. Growing through owners and agents.
Every Upswing home today is in the Tulsa metro, Tulsa itself and Catoosa. New markets open the way this one did: owners who list with us and agents who refer clients. If you want Upswing in your city, those are the two doors.
Read the paperwork first
The lease, the option agreement and the plain-terms sheet are posted in full.