You've Been Carrying That Rent On Time. It's Time It Carried YOU Somewhere.
No perfect credit. No cosigner. No "come back when you're mortgage-ready." If you've been paying your bills like clockwork, you already did the hard part. MPIRE Rentals is how we get you into a house you actually own — on your terms, your name, your win.
Meet the Programs
Two ways in. One destination: yours.
Seller Financing Ownership
Your House. Your Name. Locked In.
We flip you straight into a 40-year, fully amortized seller-financing agreement that gets you into your home NOW — with equitable ownership from day one and a fixed payment that isn't going to play games with you.
- • As low as 3.5% down
- • Credit scores starting at 600
- • No cosigner required — this can be all you
Mpire Flex
Rent Now, Own Later, No Catch
A 5-year lease that flips into our seller financing ownership program after just 18 consecutive on-time payments — at NO price increase. You're not renting to nowhere. Every on-time payment is a rep toward the real thing.
- • Credit scores starting at 580
- • Lower barrier to entry while you build your case
- • Converts on YOUR timeline, once you've proven it
Any House. Any Market.
See a house you love? We'll make it happen.
Every active listing on the MLS is on the table. Whether you want to buy it outright, lease it first, or just get into it now — we use our credit and our name so you don't have to wait to be "mortgage ready."
Seller Financing Ownership
We Buy It. You Move In.
Find any home listed for sale on the MLS. We step in, purchase it using our credit and our name on the loan docs, and put it in your hands under a seller financing agreement — equitable title from day one, the house is yours, while you build toward the deed.
Mpire Flex — Convertible Lease
Rent It First. Own It Later.
Pick any house on the market. We buy it, you lease it at a fixed monthly payment. After 18 consecutive on-time payments you flip into a seller-financed ownership agreement — no price increase, no new appraisal, same home. Your payments stop feeding a landlord's mortgage and start counting toward yours.
Credit Leverage for Rentals
Leverage Our Name. Keep the Keys.
Still building credit? We can put our name and credit behind the rental application for any MLS-listed rental property so you qualify now. You live there, we stay behind the scenes, and your path to owning gets mapped out in parallel while you get settled.
How It Works
Six steps to your name on the deed.
Get Approved
We pull your info, your credit, your payment history. You get a clear number: your max approved payment and home price.
Go Shop
Take that approval and go find your house with your agent.
We Handle the Heavy Lifting
Inspection, appraisal, all the boxes that need checking — we're on it with you.
Sign & Get Your Keys
Close it out, move in. That simple.
Build Every Month
Your on-time payments report to all 3 credit bureaus. You're not just paying — you're building.
It's Yours
Pay it off or refinance out whenever you're ready. Either way, this ends with your name on the deed.
You're Probably Already Qualified If...
Chances are, you're already in.
What It Actually Costs
No surprise party at closing.
Most people start at 3.5% down. That's the number when you can show a year of payments you made on time. A few situations bump the number up — never as a gotcha, just what the numbers require. Here's every single one in plain English:
To be clear on the minimums: you get in at 600+ (580+ for Flex). The 680s below aren't a new minimum — they only change your down payment, depending on how your rent history gets verified.
Not sure which row is you? That's the first thing we'll figure out together — before you fall in love with a house.
What's in your monthly payment
Principal, taxes, insurance, servicing, and built-in Home Payment Protection — hardship coverage if life throws you a curveball. That's not an upsell. That's just what happens when somebody actually wants to see you win.
Program fees you'll see
Closing fee, program fee, signing & notary, HOA servicing (if applicable), and your first month's payment. All disclosed before you're locked in — not buried in a stack you sign at the table.
Your Corner
The people who know how to get it done.
Jacksonville to the Space Coast and everywhere MPIRE lends. No call centers, no hand-offs — the person you meet is the person who closes your deal.
The Agent
Angel Myers
Lead Realtor · Space Coast & Orlando · Brokered by lpt realty
She gets you in the door — every showing, every offer, every closing table. Your buyer's agent from contract to keys, no hand-offs, no rotating list of strangers.
The 904
Pamela Alewine
Jacksonville Realtor · 904 Realty · (904) 725-9891
Sold on you — and it shows. From the beaches to the Westside, she knows Jacksonville street by street and fights for every buyer like they're family.
The Money
Jessica Cassell
Also a licensed Realtor · NMLS #241-6202 · MPIRE Financial NMLS #210-8504
She builds the path that gets you approved — seller financing, lease-to-own, real numbers, no fine-print games. The yes your file has been waiting on.
The RealReal
Straight answers. No spin.
The MPIRE Journal
Real talk about owning.
You did the work. You paid on time. You showed up every single month.
Now it's time somebody said yes.
Start Your Mpire Approval →Check Your Eligibility