Rent to own in Tulsa, explained
Plain-English articles on rent to own (dueño a dueño), option fees, the total cost, the Tulsa market and the towns around it. Artículos en español →
Rent to own red flags in Oklahoma (and how to check a listing)
Deposits before a showing, prices that appear later, contracts you can't read first. How to spot a bad rent to own deal in Tulsa and how to verify who owns the house.
Rent to own homes in East Tulsa and the Union school district
Why East Tulsa is the busiest part of our marketplace: Union schools, the Broken Arrow Expressway, ranch homes with garages, and the current Upswing homes near 11th and Garnett.
Rent to own homes in north Tulsa: Brady Heights, Boston Avenue and Denver Avenue
Historic porches, walkable blocks, and two current Upswing homes a few minutes from the Arts District. What rent to own looks like in north Tulsa.
Rent to own homes in west Tulsa: Crosbie Heights, Archer and Admiral
The lowest-priced Upswing homes are west of downtown: two cottages and a newer-built three-bedroom minutes from the river. What rent to own looks like in west Tulsa.
Rent to own 4-bedroom homes in Tulsa
Big families, home offices, multi-generational households: the four-bedroom rent to own homes on the Upswing marketplace right now, from Sheridan Hills to south Tulsa.
Rent to own homes near Broken Arrow and Catoosa
Searching rent to own Broken Arrow or rent to own Catoosa? Here's where the closest Upswing homes are, how to get on the list, and what happens when an owner lists in your town.
Rent to own north of Tulsa: Owasso, Collinsville, Sperry and Skiatook
The northern suburbs are school-driven searches. Where the closest Upswing homes are, and how north-side owners can list.
Rent to own west and south of Tulsa: Sapulpa, Sand Springs and Glenpool
Route 66 towns and the Highway 75 corridor: where the lowest-priced Upswing homes are, and why these towns fit rent to own.
Can I list my Tulsa rental as rent to own? (Owners)
What it takes to put a house on the Upswing marketplace: condition, pricing, the standard contract, the $299 listing fee, and what you get.
Agents: how to save a client who can't get a mortgage yet
Refer the client to Upswing, keep your full commission, and get the resale when they exercise. How the any-home program works for Tulsa agents.
Self-employed? 1099? Rent to own is built for you.
Contractors, cleaners, drivers, stylists and small-business owners in Tulsa: how Upswing verifies income without a W-2, and how the 36 months build a mortgage file.
Rent to own vs. just renting in Tulsa: is it worth paying more?
Rent to own usually costs a little more per month than a plain rental. Here's what you get for it, in numbers, and when plain renting is the smarter move.
What happens at the end of the 36 months?
Three ways an Upswing rent to own lease can end: you buy, you extend, or you walk away. What each one looks like, step by step.
How to get pre-approved for a mortgage during your rent to own lease
A month-by-month plan for turning 36 months in an Upswing home into a mortgage approval: credit, income documents, savings, and when to talk to a lender.
Signing day: what's due, what you sign, and when you get keys
A walkthrough of move-in day on an Upswing rent to own home: the two documents, the money due at signing, the walkthrough, and the keys.
Seven questions to ask any rent to own program in Oklahoma
Print this and ask every program, including us. If they can't answer in writing, walk.
What does "dueño a dueño" mean? (And why Upswing uses it)
Dueño a dueño is the Spanish phrase Tulsa families use for buying a house directly from the owner. Here's what it means, what it doesn't, and how it lines up with rent to own.
How much money do you need to move into a rent to own home in Tulsa?
Real numbers from current Upswing homes: what's due at signing with the full option fee, what's due with the smaller amount, and what your monthly payment looks like after.
Rent to own in Tulsa when the bank says "not yet"
No perfect credit, no mortgage approval, no bank needed to move in. What Upswing actually looks at, and what the 36 months are for.
Rent to own with an ITIN in Oklahoma
You can rent to own an Upswing home with an ITIN. Here's how the application works, how ITIN mortgages work in Tulsa, and why a payment history matters.
Paying the option fee over 24 months: how it works
You don't have to bring the whole option fee to signing. Here's the smaller-amount plan on Upswing homes, the math, and the one rule that comes with it.
How rent to own works in Tulsa (the Upswing way)
A plain-English walkthrough of rent to own in Oklahoma: the two documents, the option fee, the total cost, the 36-month locked price, and what happens if you don't buy.
Rent to own vs. contract for deed in Oklahoma
Both get called rent to own and dueño a dueño. They are not the same thing, especially for what you can lose. Here's the difference in Oklahoma.
What is an option fee, and how does it fit into the price?
The option fee is part of the total cost of the home, buys your locked price and your right to purchase, and isn't refunded if you walk. Here's how to think about it.
Why Upswing doesn't do rent credits
Rent credits sound generous. They usually aren't. Here's the math, and why we'd rather keep the rent, the fee and the price separate.
Your price is locked for 36 months. What happens if the Tulsa market moves?
Two scenarios, one answer: with a locked option price you keep the upside and can walk away from the downside.
You get three years to test-drive the house. Here's what to pay attention to.
Living in a home before you buy it is the biggest advantage of rent to own. A checklist for using that time well.