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Two agreements signed on the same day: a 36-month residential lease, and a separate option to purchase that gives you the right, never the obligation, to buy the home at a price that is written down and locked for the full 36 months. In Spanish-speaking Tulsa this is what people call dueño a dueño: you deal directly with the owner, and you don't need a bank to move in.

Applying is free and takes about three minutes: your name and phone, the home you like, what you can put toward the option fee at signing, and the monthly payment you're comfortable with. No documents to upload and no application fee. Doris calls or texts you back, usually the same business day, with the exact numbers on the home.

You'll need to qualify for the lease like any tenant, and to buy at the end you'll need a mortgage or cash. We don't promise financing, and we'll never tell you a lease guarantees you a loan. What the 36 months give you is time to build the record a lender wants to see, while living in the house at a fixed price. ITIN holders are welcome to apply; several Tulsa lenders offer ITIN mortgages, and a clean payment history with us is exactly what they ask for.

Today: Tulsa (west, north, east and south) and Catoosa. We're adding rent to own homes in Broken Arrow, Bixby, Jenks, Owasso, Sapulpa, Glenpool, Sand Springs, Claremore, Collinsville and the rest of the metro as owners list them.

Not for marketplace homes. For the any-home program you'll work with your own agent or one of our preferred agents.

No. Applying is free and takes about three minutes. The only money in the deal is the option fee and the rent, both printed on every listing.

Every home shows its option fee and the smallest amount you can pay at signing. Pay the whole fee at signing and your monthly payment is just rent. Or pay the smaller amount at signing and spread the rest over 24 months as a monthly option payment on top of rent. Either way, the lease is 36 months and first month's rent is due at signing along with the option fee portion. The fee is non-refundable if you decide not to buy.

No. Your rent and your purchase price are both fixed for the full term. No annual increase, no renewal negotiation.

No. It's fully earned when paid and is not refunded if you don't buy. It is part of the total cost of the home (total cost = option fee + purchase price), which is why every listing shows it up front.

The option fee, or the smaller amount shown for that home, plus your first month's rent (prorated if you move in mid-month) and the security deposit under the lease. Each listing shows the exact due-at-signing number for both options.

Separate from the option fee, under the lease, and refundable per the lease when you move out in good condition.

You do, for routine maintenance and repairs (HVAC filters, appliances, plumbing, the yard) the way an owner would, because the plan is that you'll be the owner. The lease spells it out. The owner keeps the non-waivable obligations Oklahoma law puts on landlords, and you should report anything that affects the structure or habitability right away.

Cosmetic changes are usually fine with written permission. That's the point of living in it first. Structural changes need the owner's written consent under the lease.

Your lease and your option run with the property for their full term. A new owner takes the home subject to your signed option agreement.

With written permission and a pet application: up to two pets under 50 pounds, no pet fee. Service and assistance animals are handled as the law requires.

A $75 late fee after the due date, and the five-day statutory notice under Oklahoma law applies to non-payment. Talk to us before it gets there.

Not without written permission. Occupants are listed on the lease.

Any time during the term, once you've lined up financing (a conventional, FHA, VA, ITIN or portfolio loan, or cash), you exercise the option and close with a title company. Upswing handles the paperwork on our side and coordinates with your lender.

Your price doesn't. Whatever the market does over 36 months, your number is the number on your option agreement.

You pay customary buyer's closing costs when you exercise, unless otherwise agreed in writing. Your lender will itemize them.

The locked price is the locked price. We'll walk through options with you and your lender, and nothing on this site changes the signed documents.

You can walk away. The option is a right, not a promise. If the market falls below your locked price, you simply don't exercise it, give notice, and move out at the end of the month like any tenant. You lose the option fee and nothing else.

No. In a contract for deed the buyer takes on the ownership obligations from day one and can lose everything they've paid if they default. With Upswing you are a tenant with a purchase right; if you don't buy, you're out the option fee, not the house and not years of payments.

Every Upswing lease includes an option to extend for two more years. The extension costs an additional $5,000 option fee, which you can pay up front or monthly over the 24 months. The one thing that changes at extension is rent: it resets to fair market rent for that home at that time. Your purchase price stays locked at the same number for the extra two years. The extension option fee is non-refundable, just like the first one.

We can connect you with a preferred agent. If you're approved for the program, Upswing can buy a home off the MLS that you and your agent pick, and lease it to you with the same option agreement. Two conditions: the option fee is paid in full at signing on any-home purchases, and rent is quoted case by case for that specific house.

Because every house is different. Once you and your agent pick one, you get the rent and the locked price for that home in writing before you commit.

Yes. Upswing is a marketplace: owners list, we screen the tenant-buyer, everyone signs the same contract, and we manage the property and the closing. Owners pay a flat $299 to post a home (that covers marketing, screening, paperwork and the closing) plus $25 a month while it's managed. Start on the List Your Home page.

At closing, through the purchase, like any buyer's agent. Upswing doesn't charge agents fees or take a cut.

No. Upswing Homes is not a brokerage and does not provide brokerage services. Preferred agents are independent licensees at their own brokerages.