Payment options, plainly explained
Cash, no-credit-check rent-to-own on eligible buildings up to $30,000, or traditional financing.
Three ways to pay
Cash
Own your building from day one. One payment and it is yours.
Rent-to-own, no credit check
Available on eligible buildings up to $30,000. Terms of 24, 36, 48, 60, or 72 months, with 60 months standard. Rent to own runs through Heartland Capital. You also get 90 Days Same as Cash with no penalty for early payoff.
Traditional financing
Financing is available for qualified buyers with approved credit. For buildings over $30,000, cash or financing are the options. Ask Marc what fits your build.
Rent-to-own numbers at 60 months
| Building price | Monthly payment | Down payment |
|---|---|---|
| $5,000 | $185/mo | $185 |
| $10,000 | $370/mo | $370 |
| $15,000 | $556/mo | $556 |
| $25,000 | $926/mo | $2,176 |
| $30,000 | $1111/mo | $2,611 |
Down payment rule: one monthly payment at $15,000 and under. Over $15,000 up to $30,000: one monthly payment plus 5 percent of the price, stated as a concrete amount. Example: a $25,000 building is $926 a month with $2,176 down.
Want the exact price for your size and options? Price your building →
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The 24 and 72 month terms use factory divisors that are not on file here, so the calculator asks you to call for exact numbers on those terms rather than guessing. Taxes and fees may change an advertised payment. Full agreement conditions apply; ask Marc before you sign.
Rent-to-own versus financing
The total comes out close either way. Financing stretches your payments over 10 to 12 years. Rent to own runs about 5. You end up paying roughly the same unless you pay it off early, and that is where the real savings live: rent to own gives you 90 Days Same as Cash with no penalty for early payoff.
Delivery is free with pro setup within 250 miles of the Waco factory on new buildings, unless the unit is already positioned at another lot.