Rent-to-Own Buildings in Kentucky & Tennessee

No. Rent-to-own buildings fall under lease agreements, so no credit check is required. Rent-to-own sheds are available to folks with any credit score.

When you get a rent-to-own building versus a financed one, the customer has no obligation to continue making the payments if he/she gets in a financial bind later on. So if you get an RTO building from Esh’s Utility Buildings and 6 months later you realize you are over-leveraged, you can simply call in and have your building picked up, and your payments stop.

If you quit at any time, this does NOT hurt your credit (financing DOES NOT work this way). If you call in to cancel your rental and later you need to rent another building, you can order another one, and for being upfront on your first one, you will not even hurt your credit/relationship with Esh’s Utility Buildings.

As long as your account is current, you have the option to receive an Early Purchase Quote. This is a one time, lump sum payment. You can call our office to receive your quote.

The cost of leasing services varies with the length of the rental agreement. The longer the rent-to-own agreement, the more leasing services will cost compared to the price of the building itself. For a 5-year rent-to-own agreement, leasing services will add about 125% to the base cost of the building.

Cash on delivery is the most straightforward payment option compared to rent-to-own sheds. We accept cash, check, and credit card. Alternatively, 90 days same-as-cash pricing allows you to pay in full within 90 days and still get the same savings as a one-time payment.

The “90 Days ‘Same as Cash’” service is a hybrid between rent-to-own and a one-time payment. Essentially, it is an option to convert a rent-to-own contract into an up-front payment. If the building is completely paid for within 90 days of the beginning of a rent-to-own contract, the total cost will not exceed the cash price for the building.