Elena Garrett, Realtor in Dallas Texas - My Blog

Residential and Investment Properties in Dallas - Fort Worth

Elena Garrett, Realtor in Dallas Texas - My Blog

I Have No Credit—Can I Still Do Rent-to-Own?

By Elena Garrett, March 2026 (Dallas, TX) As a team that handles rent-to-own requests all the time—one of the most active in the DFW area—I hear this question constantly: “I don’t have good credit. I don’t have bad credit. I actually have no credit at all. I never used credit Read more…


A Guide to Rent-to-Own Options in North Texas (2026)

What Actually Exists in 2026 — and How to Start the Right Way by Elena Garrett, Feb 2026 If you’ve been trying to find rent-to-own homes in the Dallas–Fort Worth area and keep hitting dead ends, you’re not imagining things. Most people start the same way: Google searches, Zillow, Realtor.com, Read more…


Struggling to Find Rent-to-Own Homes in the Dallas–Fort Worth Area?

by Elena Garrett, Feb 2026 If you’ve been trying to find rent-to-own homes in Dallas–Fort Worth and keep running into dead ends, you’re not imagining it. Try searching online and you’ll see the same pattern over and over again. Zillow doesn’t have a rent-to-own list. Realtor.com doesn’t either. Homes.com doesn’t. Read more…


The 3.5% Down Rent-to-Own Option For “Credit Under Construction” Buyers and Renters

By Elena Garrett, August 2025 Let’s be real—buying a home can feel impossible if your credit isn’t perfect, you’re self-employed, or you’re using an ITIN. Traditional lenders don’t always look at the full picture. But there is a very little-known rent-to-own loan program that you can try to move into Read more…


Rent-to-Own Options in Dallas – Fort Worth in 2025

By Elena Garrett, Realtor – May 31, 2025 If you’re renting and dreaming of buying a home—but you’re not sure where to start—rent-to-own might be the best move you haven’t considered yet. 1. Rent-to-Own Vs Renting Renting can feel like a dead end.Every month you pay someone else’s mortgage, and Read more…


Exploring Rent-to-Own Options in North Texas (2024)

rent-to-open 4 options in 2024

by Elena Garrett, Oct 14, 2024 If you’re exploring rent-to-own programs in the Dallas-Fort Worth area, four prominent options you should consider are Divvy Homes, Utopia Homes, MLS Rent-to-Own Properties, and Off-Market Properties. These programs offer different approaches to helping you transition from renter to homeowner. Let’s take a closer Read more…


Beyond Credit – An Innovative Solution

by Elena Garrett, March 2, 2024 One of our long-standing partners, Supreme Lending, announced a groundbreaking new program that would allow home buyers with low credit scores or insufficient job history to be eligible for a home purchase. Here is the video of the interview with Karla Parra from Supreme Read more…


Rent-to-Own Programs Update – 2023

Here are some important update that I wanted to send out to everyone who may be thinking about buying a house in 2023.  The real estate market has shifted significantly after August 2022: which lead to the following changes. 1. Home prices tumbled (in some areas, by over $50,000-$100,000 per Read more…


Do not sign another lease until you read this: The hidden costs of renting

Any rent vs. own calculator can show you the obvious short-term costs of renting that are easy to see and calculate. There are also a number of hidden and delayed costs that are much harder to estimate in a spreadsheet, but that over time can compound to become very noticeable and detrimental to the family’s financial growth.


Ready to Buy a Home?

tired of renting picture

Renting has many disadvantages: increasing rents, difficulty having repairs done right, lack of privacy and control over your own living space. The most important disadvantage, however, is the fact that none of the money you spend on rent every year is generating any return on investment for your family. Many Read more…