Convert your home equity into cash to pay debts, navigate a life event, and more while keeping the option to repurchase.
Sell & Stay by EasyKnock gets you the cash benefits of a home sale without moving. Our sale-leaseback solution has no strict lender restrictions, just financial freedom.
Get StartedSell & Stay by EasyKnock converts your equity into cash while allowing you the flexibility to remain in your home as a tenant and the option to repurchase.
Use the cash to achieve financial goals, such as paying off debts, or covering other life expenses.
We offer a Sell & Stay Option, which grants you the right to repurchase the home at any time during the lease term or direct EasyKnock to list the home for sale on the open market.
Say goodbye to the constraints of credit scores and debt-to-income ratios – our programs offer flexibility for homeowners looking to convert their equity without the usual hoops to jump through.
Escape the financial strain of homeownership while still enjoying its perks. Keep the roof over your head minus the mortgage payments, HOA fees, insurance, taxes, and maintenance.
EasyKnock is not a lender and does not offer loans – our programs do not impact your credit report by adding debt.
Unlike typical tenants who gain no value from home appreciation, if you direct us to sell the home on the open market, you retain all appreciation rights.1
2.The Letter of Intent is to inform EasyKnock of the intent to proceed with the application and its terms and fees.
3. Timing varies based on external factors.
4. Plus Option Contract. Receival of cash amount timing varies based on external factors.
5. Terms & conditions apply.
Remain as a renter for up to five years total. At any point, you can choose to repurchase the home for the agreed-upon Buyout Cost
We are not a lender. That means you won’t face credit score or debt-to-income (DTI) requirements.
You maintain the rights to any home value appreciation over the agreed-upon Buyout Cost, minus agent commission if you direct us to sell at a later date.1
We guide you through the process to ensure you understand and eliminate surprises. You’ll know exactly what you’ll be getting, before signing off.
Submit a few details and complete a 15-minute call with an EasyKnock expert to get your free, no-obligation estimate. They will help you:
Sign a non-binding Letter of Intent2 and finalize the typical five week3 closing process to sell your home to EasyKnock.
Stay in the home as a renter for up to five years while deciding on your next steps.
2 - The Letter of Intent is to inform EasyKnock of the intent to proceed with the application and its terms and fees.
3 - Timing varies based on external factors.
4 - Plus Option Contract. Receival of cash amount timing varies based on external factors.
5 - Terms & conditions apply.
You can convert up to 75% of your home equity as potential cash and the remaining 25% as the Sell & Stay Option. Standard fees apply.*
*This calculator is designed for personal use and illustrative purposes based on the information submitted. Your potential cash is the maximum cash amount you can receive minus additional fees, such as closing costs, etc. This is not your final cash amount – results may not be applicable to your unique situation and are not guaranteed. When inputting your mortgage balance, include the balance of any liens on the property. For more information on our pricing and fees, please see our FAQ.
of the home’s fair market value into cash + Sell & Stay Option
of the home’s fair market value in cash
with annual renewal for five years total and the ability to exercise your Sell & Stay Option at any time
The remaining 25% of your home's value represents the Sell & Stay Option. This grants you the flexibility of choosing to either:
Repurchase the Home: No minimum term or penalty. At any point of the lease term, you have the option to repurchase the home for the Buyout Cost plus the buyer’s closing cost.
Sell on the Open Market: You can direct EasyKnock to sell the home on the open market. In this scenario:
“After selling the house to EasyKnock, it's just made things easier financially on us. It's lifted a burden off our shoulders to be able to move forward and plan our budget for the future as opposed to worrying about previous debt.”
Erin, EasyKnock Customer
Dayton, Ohio
Alleviate stress by eliminating many homeowner responsibilities, including property taxes, repairs, and HOA fees. Once the home sale is finalized, the only recurring fee will be your monthly rent payment and utilities.
If you choose to sell, the appreciation is yours. On average, customers enjoy a 10% increase in home value.8
While traditional sales can drag on for months, costing thousands of dollars, an EasyKnock transaction typically takes just 5 weeks from start to close or finish.9
6 - As the property owner, EasyKnock pays the property taxes, property insurance and HOA dues on the property. Calculations are the average annual expenses rounded to the nearest tenth for a home in our portfolio acquired in 2022.
7 - Appreciation Percentage (%) of Sell & Stay customers for homes sold in the open market between Jan 2022-Dec 2023.
8 - Average appreciation for Sell & Stay customers for homes sold in the open market between Jan 2022-Dec 2023.
9 - 4-6 weeks average - Timing varies based on external factors.
When you decide to buy back your home or instruct us to sell it, you'll pay EasyKnock the Buyout Cost.
Buyout Cost = Option Exercise Price (+) the Option Fees you pay based on the years of your lease
You will be responsible for the buyer’s closing costs
Final price (-) Buyout Cost (-) Agent Commission
Standard closing costs will be covered by EasyKnock and new buyer10
You'll receive any home value appreciation, if applicable
Sell & Stay consists of two real estate transactions, so it's important that you understand which party is responsible for each expense.
As a Sell & Stay customer, you pay a 2.99% processing fee based on the home value which will be taken out of the cash funding.
You will be responsible for both the buyers' and sellers' closing costs. These are ~1.5% of the home's value and vary state to state.
The Annual Option Fee is a part of your Buyout Price. Half of your first year Annual Option Fee is taken out of your cash funding upon the initial sale.
If repurchasing, you will be responsible for the buyer's closing costs. If selling the home on the open market, closing costs will be covered, but you will be responsible for any agent commission.
10 - Terms and conditions of closing costs are unique to each transaction and can vary by state.
of the home’s fair market value into cash + Sell & Stay Option
of the home’s fair market value in cash
with annual renewal for five years total with the ability to exercise your Sell & Stay Option at any time
At any point during the lease, the Sell & Stay Option allows you to repurchase the home or direct us to sell on the open market. You may repurchase the home for the Buyout Cost and buyer’s closing costs.
If you direct EasyKnock to sell the home on the open market, you keep any applicable home value appreciation and receive the full market value of the home minus our Buyout Cost and your agent commission.1
of the home value in the form of a loan, paid back with interest
of the home’s fair market value as cash
None. However, taxes and insurance may be escrowed.
Strict
Flexible
Once you’re ready to either repurchase the home or direct us to sell it on the open market, you will pay EasyKnock the Buyout Cost. Your Buyout Cost equals the Option Exercise Price, each year’s Option Fee (based on the length of tenancy), and any outstanding amounts.
Your Options