This article is part of Real Estate Business Review's Insights series featuring expert contributions nominated by our subscribers and reviewed by our editorial team in Fort Lauderdale, FL.

Ferdinand J. Ruaño Arroyo,  Private Equity Solutions | Real Estate Business Review | Top Real Estate Investment Services Companies

Unlock the Power of Lease to Own: A Smart Path to Homeownership

Ferdinand J. Ruaño Arroyo, CEO & Founder , Private Equity Solutions

Homeownership Path Strategist

Editor’s Note: For real estate and finance leaders, expanding access to homeownership requires rethinking traditional financing pathways and accommodating non-linear buyer journeys. This perspective highlights how lease-to-own models, when structured with clarity and discipline, can bridge affordability gaps while reshaping how ownership is accessed and financed.

Are you tired of renting without building any equity? Do you dream of owning a home but need time to secure financing? Look no further than the Lease to Own model offered by PES/PENTAS Benefits. This innovative approach to homeownership offers a unique blend of benefits that can help you achieve your goals.

Program Highlights

Secure Your Price: Lock in the current property price, offering potential equity in the purchase
Financing Flexibility: Prepare for financing in 24 months or less
Purchase Credit: 20% - 100% of rental and insurance payments will be credited toward the purchase of property.
Financing Assistance: Receive assistance with mortgage payments and financing, potentially up to 100% of the purchase price
Closing Cost Assistance: Get help with closing costs
Property Maintenance: Take responsibility for property maintenance and insurance payments
Tax Benefits: Taxes will be paid by PENTAS LLC until the purchase option is executed
Flexible Timeline: A lease contract and purchase option contract will be used, with a 24-month or less timeline

Investor Benefits

Cash Flow: $500,000 property value with $250,00 cash flow
Earned Interest: 6% earned interest (5.65% monthly)
Total Cash Flow: $55,000 total cash flow, including $40,000 from the Lease to own model Additional Benefits

Appreciation: 7.18% = $35,900 (based on a 10-year track record)
Amortization Paydown: 1% = $3,276
Tax Benefits: 1% depreciation + $5,263.16
Total Cash Outlay: $272,200
Cash Flow: $50,666.67
ROI: 35%
Management Fee: 10% + 1 month of rent

Don't Miss Out

The Lease to Own model offers a unique opportunity to achieve homeownership while building equity and cash flow. With its flexible financing options, credit towards purchase, and tax benefits, this program is designed to help you succeed. Take the first step towards unlocking the power of Lease to Own and make your dream of homeownership a reality.
  • Unlock the power of rent-to-own and turn your dream of homeownership into a reality. Build equity, secure financing and enjoy tax benefits with PES/PENTAS Benefits' innovative approach to homeownership.

Contact us today to learn more and schedule a consultation.

Call to Action

Ready to take the first step towards homeownership? Contact us at : 786-506-0444
to schedule a consultation and learn more about the Lease to Own program.

About PES/PENTAS Benefits

PES/PENTAS Benefits is a leading provider of innovative homeownership solutions. Our team of experts is dedicated to helping individuals and families achieve their dreams of homeownership through our Lease to Own program. With our flexible financing options and comprehensive support, we are committed to making homeownership a reality for everyone.

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The articles and profiles featured here are based on contributions from industry leaders and editorial research. They reflect the views and expertise of the individuals and organizations featured, as reviewed by our editorial team.