Michigan Land Contract Homes
Stop renting. Start owning.
Homes that are move-in ready — or ready for a little love. No bank required. Choose the path that fits your life.
Two paths to make a home yours
Choose the path that works for you — available options are shown on each home below.
Rent with Option to Buy
Move in now and work toward ownership at your own pace.
$80/month
Rent credit toward your purchase
- ✓ Earned on eligible rent payments made before the 10th of the month
- ✓ Credits build up toward buying the home you're renting
- Credits apply only when you complete the purchase of that home.
Land Contract Today
Have a down payment? Skip the waiting and buy right out of the gate.
- ✓ Seller financing — no traditional bank loan needed
- ✓ Your payments go toward your own home from day one
- ✓ Make it yours: paint, renovate, put down roots
Available homes
Currently serving Michigan — more states coming soon.
N Fayette St · Saginaw, MI
4 bedrooms · 1 bath · 1,236 sq ft
$1,150/month
$1,150 move-in deposit
Earn an $80/month rent credit toward buying this home.
$4,000 down
About $720/month principal & interest
Property taxes & homeowners insurance are additional. See ownership costs.
Own it right away — no bank loan needed.
Boston Ave · Flint, MI
3 bedrooms · 1 bath · 1,296 sq ft
Not available
$3,000 down
About $714/month principal & interest
Property taxes & homeowners insurance are additional. See ownership costs.
Own it right away — no bank loan needed.
N Oakley St · Saginaw, MI
4 bedrooms · 2.5 bath · 1,344 sq ft
4 bedrooms / 2.5 baths total: 3 bedrooms / 1.5 baths in the main home, plus a confirmed basement studio with its own bath. 1,344 sq ft is the recorded main-home area; studio area not yet measured.
Duplex layout with a separate basement studio, confirmed by owner. Offered together on one whole-property lease — not as two separate rentals. Extra space for an office or creative studio, or potential in-law quarters subject to approved residential use.
$1,400/month
$1,400 move-in deposit
One lease for the entire home + studio.
Earn an $80/month rent credit toward buying this home.
$5,000 down
About $848/month principal & interest
Property taxes & homeowners insurance are additional. See ownership costs.
Own it right away — no bank loan needed.
Owner walkthrough of the home and basement studio. More property photos coming soon.
N Van Buren St · Bay City, MI
2 bedrooms · 1 bath
Triplex of three 2-bedroom / 1-bath units. The vacant unit offered for rent is the largest of the three; per-unit square footage not yet confirmed.
Triplex that is already bringing in rental income — two of the three units are rented. The land contract covers the whole building, so a buyer takes all three units with two paying rent from day one.
$925/month
$925 move-in deposit
One unit on one lease — the largest, currently vacant.
Earn an $80/month rent credit toward buying this home.
$15,000 down
About $1,419/month principal & interest
All three units — two already rented and bringing in income.
Property taxes & homeowners insurance are additional. See ownership costs.
Own it right away — no bank loan needed.
Beyond principal & interest
Plan for the full cost of owning
Every home comes with ownership expenses, including a homeowners insurance policy and property taxes. The land contract payments shown above are principal & interest only — insurance and taxes are additional.
Homeowners insurance
About $600/year
Approximately $50/month to budget.
Most of our current property insurance policies cost around this amount. Your premium depends on the home, coverage and insurer; this is a planning estimate, not an insurance quote.
Property taxes · Saginaw, MI
About $1,579/year
Approximately $132/month to budget.
Pulled from the average reported annual taxes of 20 Saginaw properties advertised for under $80,000 (asking price, not appraised or taxable value). This is a sample-based planning figure, not a citywide average or the tax bill for any home listed here. It does not apply to Flint or other locations.
Tax estimate sources & method
20 listings were randomly drawn without replacement from a convenience pool of 21 distinct city-targeted residential listings found through public searches. The pool was sorted by research address, then selected using Python random.Random(20261024).sample. This is random only within that search pool, not a representative sample of all Saginaw homes. Prices and annual tax fields come from indexed listing text, not independently reconciled municipal bills. Tax years include 2024–2026 and years not reported; owner-occupancy exemptions and current parcel jurisdictions were not independently confirmed. One pool listing permits an optional bundle purchase but has an individual asking price. Past taxes may differ from a buyer's future bill. Researched October 24, 2026.
- Sample 1 · $1,998.1 (2025)
- Sample 2 · $2,976 (2026)
- Sample 3 · $1,995 (year not reported)
- Sample 4 · $1,192 (2024)
- Sample 5 · $1,122.7 (year not reported)
- Sample 6 · $1,316 (year not reported)
- Sample 7 · $460 (2025)
- Sample 8 · $771 (2025)
- Sample 9 · $1,942 (2025)
- Sample 10 · $1,452 (2026)
- Sample 11 · $1,582 (2024)
- Sample 12 · $1,521 (year not reported)
- Sample 13 · $2,805 (year not reported)
- Sample 14 · $1,323 (2026)
- Sample 15 · $1,790.92 (2025)
- Sample 16 · $1,689 (2026)
- Sample 17 · $1,092 (year not reported)
- Sample 18 · $1,318 (2024)
- Sample 19 · $1,230 (2025)
- Sample 20 · $2,011 (2026)
Actual costs vary. In Michigan, taxable value can reset after an ownership transfer, so a buyer’s taxes may be higher than a seller’s past bill. Owner-occupied exemptions also affect taxes. Confirm the home’s taxes, exemptions and insurance with the local assessor and your insurer before committing. Michigan ownership-transfer guidance · Principal residence exemption
Bringing owning your home within reach.
We know renting can get frustrating. Rising rents, landlords who won't fix things, and the feeling that you're paying for someone else's future. Homeownership Revival exists to change that — giving hardworking families a real, flexible path to owning the place they call home.
Rent keeps going up
Every renewal brings another increase — with nothing to show for it.
Building someone else's equity
Your monthly payment pays off a landlord's mortgage, not your own.
Banks said no
Credit hiccups or self-employment shouldn't lock you out of owning.
No control over your space
Want to paint, garden, or get a dog? Ownership means it's yours.
Ready to come home?
Tell us a little about you and we'll reach out.