7874 Stout Rd, Circleville, OH 43113

Your Dream Home on Stout Road Awaits – Ditch the Bank and Own It! Logan Elementary Local School District!
Tired of the ridiculous process banks put you through? Whether you’re self-employed with good credit but stuck navigating loan denials, or just fed up with red tape, it’s time to ditch the bank, deal with the owners directly, and get it done! Our flexible owner financing options make it simple to own this beautiful Stout Road home, which needs some work—perfect for building equity as you fix it up! We allow you to work on the house to increase its value and secure your future, all while enjoying a friendlier, easier process, no matter your credit history.

Why Owner Financing is Your Path to Homeownership:
* Qualify with Ease: We welcome all credit situations—bad credit, no credit, or self-employed with good credit, no problem!
* Deal Direct, Get It Done: Work straight with us, the owners, for a fast, hassle-free close.
* Payments That Fit You: Customize your plan with terms that work for your budget.
* Rent-to-Own Freedom: Rent now, buy later, and start building equity today.
* Land Contract Simplicity: Pay us directly and own the home when the contract’s done.
* This fixer-upper won’t stay available long, especially with financing this flexible! Take control of your future today:

• SEE IT IN PERSON: SCHEDULE YOUR SHOWING AT
  https://ohiohouselist.com/arrangeshowing/
• LOCK IT IN: APPLY FOR OWNER FINANCING AT
  https://ohiohouselist.com/apply/ 
• Don’t let this Stout Road opportunity pass you by. Ditch the bank and get it done—act now!

Contact Information:
Call or text Ophelia at 614-706-3242.

PS:
* A significant down payment is required to move into any of our homes.
* If your credit is more challenged, a larger down payment will be needed to secure the property.
* We typically don’t run credit checks but conduct criminal background checks to ensure the safety of our neighbors and future homeowners. Everybody deserves a second chance; however, if you are a wife beater or pedophile, you need not apply—we can’t risk it for the neighbors.
* Now’s the time to call your grandparents or rich relatives so you can finally get a house you can own and start building your future! 🙂

Owner Financing or Lease-Option Rent-to-Own Estimated Payments and Income

Amount Financed
Estimated Housing Payment Range
*depending on credit
Minimum Monthly Gross Income Needed
Minimum Annual Gross Income Needed

Footnotes:
1. No Monthly Bills Assumed: The income amounts in the chart assume you have no monthly bills. Some bills can make it harder to qualify for an owner-financed property, just like with a regular bank loan. These include:
* Car payments
* Child support payments
* Credit card payments
* Personal loan payments
* Student loan payments

2. Fixed Bills Mean You Need More Income: Only certain fixed monthly bills, like the ones banks check for loans, mean you need more income to cover them and the house payment for an owner-financed property. Regular bills like utilities (electricity, water, or gas) don’t count and won’t affect your ability to buy.
For example:
* For a $200,000 home, the house payment is about $2,400/month.
* If you have $500/month in fixed bills (like $300 for a car and $200 for a student loan), your total fixed payments are $2,400 + $500 = $2,900.
* To qualify, your fixed payments shouldn’t take up too much of your income (typically no more than 43%).
* So, you’d need about $2,900 ÷ 0.43 ≈ $6,744/month income to cover everything.
* With fixed bills, you need at least $7,742/month ($92,904/year), compared to $6,764/month ($81,168/year) with no fixed bills.