How Rent to Own Works
Rent to Own lets you get a quality portable building delivered to your property right away, with low monthly payments spread over your contract term. At the end of the contract, the building is yours — free and clear. There is no credit check, so almost anyone can qualify.
1
Choose Your Building
Browse our in-stock inventory or design a custom building. Your sales associate will walk you through the options and help you find the right fit for your needs and budget.
2
Make Your Deposit & Sign the Agreement
A deposit is due at signing. Your contract will outline the monthly payment, term length, and all conditions. Read it over and ask questions — we are here to help.
3
We Deliver & Install
We deliver your building to your property and set it in place. All that is left is to start using it.
4
Make Monthly Payments
Your payment is due on the same day each month. Pay by the due date to keep your account in good standing and build toward full ownership.
5
Own It Outright
Complete your contract term and the building is yours, or pay it off early at any time for additional savings.
Contract Terms & Deposit Rates
Rent to Own contracts are available in 36-, 48-, and 60-month terms. Your deposit amount depends on the building type you choose. All amounts below are for the initial deposit due at signing.
Important: Deposits are applied to your account and count toward your payoff. We do not accept deposits larger than 20% of the purchase price. Your monthly rental payment is calculated based on the purchase price and term length. Ask the office for a specific payment quote.
90 Days Same as Cash
90 Days Same as Cash is available on 36-month contracts only. If you pay the full purchase price within 90 days of signing your agreement, you pay only the original cash price of the building — no additional rental fees apply.
How it works: Sign your 36-month Rent to Own agreement and take delivery of your building. If you pay the full balance within 90 days, your total cost equals the original purchase price — exactly the same as if you had paid cash up front.
To qualify, you must make every payment on time and keep your agreement in good standing with no missed payments or violations of any kind. Any missed payment or breach of the agreement will disqualify you from the 90 Days Same as Cash option.
After 90 days, your agreement continues under the standard Rent to Own terms for the remainder of your 36-month contract.
Your Monthly Payment Options
Each month, you have three choices for what to do with your building. This flexibility is one of the biggest advantages of a Rent to Own agreement.
Pay & Continue
Make your monthly payment and keep your building. Your equity grows with every payment you make.
Pay Off Early
Pay the remaining balance at any time and own the building outright. No early buyout fees.
Return the Building
Return the building in satisfactory condition at any time. No long-term obligation. Contact the office to schedule pickup.
Early Payoff Option
You can pay off your Rent to Own agreement at any point during your contract term — there are no early buyout fees. Your payoff amount is your remaining balance at that point in your contract.
To get your payoff amount: Call the office at
931-863-8030. We will calculate your exact payoff and walk you through the process.
Example Monthly Payments
Based on a 36-month Rent to Own contract. Actual payments vary by building size, options, and term selected. Contact us for an exact quote.
*36-month term. No credit check. 90 Days Same as Cash available. Prices are estimates — contact us for exact pricing on your specific build.
Ready to Get Started?
Get a personalized Rent to Own quote. No credit check, no pressure — just straightforward answers.
Frequently Asked Questions
When is my first payment due?
Your first payment is due 30 days after the date your building is delivered and your contract is signed. From there, your payment is due on the same day every month.
Is there a grace period?
Yes. There is a 5-day grace period after your due date. If your payment arrives within 5 days of the due date, no late fee is charged. Payments received after the grace period may be subject to a late fee.
Can I change my payment due date?
Due date changes may be possible in certain circumstances. Call the office and we will do our best to work with your schedule.
What are the total rental fees for a Rent to Own agreement?
Rent to Own is a rental agreement, not a traditional credit product, so it works differently from a bank loan. Your total rental payments are calculated at the time of signing based on the purchase price and your term length. Your sales associate can show you a full payment breakdown before you commit to anything.
What if I need to return the building?
You may return the building at any time by giving notice to the office. The building must be in satisfactory condition and accessible for pickup. Our team will schedule a time to retrieve it. Once the building is returned, your agreement ends and no further payments are due.
Can I move the building after delivery?
Yes, but you must use a Mountain Barn Builders approved mover. Moving the building with an unapproved mover may void your warranty and could create complications with your agreement. Contact us before moving the building and we will connect you with the right resources.
Do I need good credit to qualify?
No credit check is required for Rent to Own. Qualification is based on a simple application process. Almost anyone can qualify regardless of credit history.
Optional: Liability Damage Waiver
Liability Damage Waiver (LDW)
The Liability Damage Waiver is an optional add-on you can include with your Rent to Own agreement. It provides protection against certain accidental damage to the building during your rental term. If unexpected damage occurs, the LDW may reduce or eliminate your financial responsibility for covered events.
- Covers accidental damage to the building during the rental term
- Reduces your out-of-pocket exposure if something goes wrong
- Added as a small monthly amount to your payment
- Available at time of signing — ask the office for details and pricing
The LDW is completely optional. Call the office or ask at signing for a full explanation of what is and is not covered.