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Real Estate verified Verified Outcome TRL 9

Rent-to-Own 2.0 (Divvy Homes)

domain Client: Aspiring Homeowners handshake Provider: Divvy Homes schedule Deploy: 2018-Present
90 Impact
Enterprise Ready
Evidence Score: 5/10
Strength: High

Executive Summary

ANALYST: COI RESEARCH

A tech-enabled program where the company buys the home of the customer's choice, and the customer rents it back with a portion of rent building equity credits toward a future down payment.

rate_review Analyst Verdict

"Modernizes the predatory 'contract for deed' model into a transparent path to ownership. It bridges the gap for credit-invisible but income-rich consumers (e.g., gig workers) whom banks reject."

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Full Audit Report Available Includes Risk Register, Technical Specs & Compliance Data.

warning The Challenge

Many potential homebuyers have good income but lack the savings for a down payment or have a thin credit file, locking them out of homeownership. They are stuck renting, where 100% of their payment is lost. Traditional rent-to-own schemes were often scams with high failure rates.

psychology The Solution

The customer chooses any home on the market. Divvy pays cash for it. The customer moves in and pays rent + an 'equity savings' portion. In 3 years, they have saved ~10% for a down payment and improved their credit, allowing them to qualify for a mortgage and buy the home from Divvy at a pre-agreed price.

settings_suggest Technical & Deployment Specs

Integrations
Mortgage Originators
Deployment Model
Service Platform
Data Classification
Financial / PII
Estimated TCO / ROI
N/A
POC Summary ( to )

"N/A"

shield Risk Register & Mitigation

Risk Factor Severity Mitigation Strategy
Market Correction High Conservative buy box.
Tenant Default Medium Eviction protocols.

trending_up Impact Trajectory

Audited value realization curve

Thousands of families transitioned to ownership Verified Outcome
Primary KPIForced savings mechanism effective
Audit CycleAsset appreciation sharing

policy Compliance & Gov

  • Standards: Fair Housing / Lending
  • Maturity (TRL): 9
  • Evidence Score: 5/10
  • Data Class: Financial / PII

folder_shared Verified Assets

description
Verified Case Study
PDF • Version 1
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Technical Audit
PDF • Audited
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Security Architecture

The "Blind Verification" Protocol

How we verified these outcomes for Aspiring Homeowners without exposing sensitive IP or identities.

Private
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1. Raw Evidence

Audit ID: #PRIV-623
Evidence: Direct SQL Logs
Public
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2. Verified Asset

Outcome: Verified
Ref ID: #COI-623

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