6540 South York Hwy, Clarkrange, TN 38553
931-863-8030
Mountain Barn Builders — Financing

Flexible Financing Options

Get the building you want — on your terms.

RTO RTR Personal Loan Cash / Card / Check

Rent-To-Own (RTO)

No credit check required. Little money down. Affordable monthly payments.

Key Details

  • Up to $25,000 total
  • Up to 60-month term
  • 90 Days Same As Cash available
  • Deposit required at signing
  • One building per contract
  • Customer must own the land
  • Buildings must be certified (no barndominiums, tiny homes, container homes, or lived-in spaces)
  • Labor is paid at time of installation — cannot be included in the contract
  • Multiple contracts allowed as long as the combined total doesn't exceed $25,000

What You'll Need

  • SSN and Driver's License number
  • A personal reference
  • Copy of your Driver's License
Frequently Asked Questions
Is there a credit check for RTO?
No credit check required.
Can I have more than one RTO contract?
Yes, as long as the combined total of all contracts doesn't exceed $25,000.
What is the 90 Days Same As Cash option?
If you pay off the full balance within 90 days of signing, you pay no additional fees — just the original cash price.
Can I RTO a barndominium or tiny home?
No. RTO is only available for non-occupied, certified structures.
What does LDW cover?
If the building is destroyed by a natural disaster, the Loss Damage Waiver waives your remaining balance on the contract — you won't owe the rest of what's due. It does not replace the building, and it does not cover contents inside.
Can I finance labor charges?
No. All labor fees must be paid at time of installation and cannot be included in the RTO contract.

Rent-To-Rent (RTR)

Need it temporarily? Rent month-to-month with no long-term commitment.

Key Details

  • Month-to-month rental agreement
  • No ownership at end of term
  • Great for temporary storage or seasonal use
  • Return the building when you're done

Best For

  • Temporary storage needs
  • Seasonal or project-based use
  • Situations where long-term ownership isn't the goal
  • Maximum flexibility with no strings attached
Frequently Asked Questions
Do I own the building at the end of an RTR agreement?
No. RTR is a rental — you use the building and return it when done.
What's the difference between RTO and RTR?
RTO leads to ownership after completing your payment term. RTR is a pure rental with no path to ownership.
Is there a long-term commitment with RTR?
No. RTR is flexible and month-to-month.
Can I switch from RTR to RTO?
Contact us to discuss your options — we'll find the best fit for your situation.

Traditional Financing (Personal Loan)

Use a personal loan or outside financing to own your building outright from day one.

Key Details

  • Pay the full cash price upfront via your lender
  • You own the building immediately — no rental period
  • Work with your bank, credit union, or personal loan provider
  • No MBB financing restrictions apply once paid in full
  • Can finance any building type, including barndominiums

How It Works

  • Secure your loan through your preferred lender
  • Bring full payment to Mountain Barn Builders
  • Take immediate ownership of your building
  • No MBB payment terms or restrictions apply
Frequently Asked Questions
Can I use a personal loan to buy a building?
Yes! If your bank or lender funds the purchase, you pay MBB the full cash price and own the building outright.
Does MBB work directly with lenders?
MBB does not arrange financing — you'll need to work with your lender directly and bring the full payment.
Are there any restrictions on what I can buy with a personal loan?
No. Personal loan purchases are treated as cash sales — all building types are available.
Is a personal loan better than RTO?
It depends on your situation. Personal loans often have lower total cost if you qualify for a good rate. RTO requires no credit check and less upfront.

Cash / Card / Check

The simplest option — pay in full and own your building immediately.

Key Details

  • Cash, credit/debit card, or check accepted
  • Immediate ownership — no contracts, no monthly payments
  • No credit check, no application
  • Best price — you pay the cash price, no financing markup or rental fees
  • Card: may be subject to processing fees — ask your sales rep
  • Check: made payable to Mountain Built Builders

Why Pay Cash?

  • No application process or approval wait
  • You pay the lowest possible price
  • Building is yours the moment it's delivered
  • No ongoing obligations or monthly payments
Frequently Asked Questions
Do I get a better price if I pay cash?
Yes. The cash price is the base price — financing options may include additional fees or markups.
Are there fees for paying by credit card?
There may be a processing fee. Ask your sales representative for current details.
Can I put a deposit down and pay the rest at delivery?
Yes. A deposit is collected at signing, with the balance due at delivery/installation.
Who do I make a check out to?
Make checks payable to Mountain Built Builders.
Side-by-Side

Compare Your Options

Find the financing path that fits your situation.

RTO RTR Personal Loan Cash / Card / Check
Ownership at End Yes No Yes (immediate) Yes (immediate)
Credit Check Required No No Yes (by lender) No
Max Amount $25,000 N/A Varies by lender No limit
Monthly Payments Yes Yes Depends on loan No
Available for All Building Types No (certified only) No (selected models only) Yes Yes
Best For No credit, low upfront cost Temporary or seasonal use Lower total cost with good credit Lowest price, immediate ownership

Have questions? We're here to help.

Contact your sales rep or visit us today. We'll find the financing option that works best for you.

Get Started Today →