Terms and Conditions

1. Overview

The RentEnd Ownership Transition Program (hereinafter, "the Program") is an initiative developed and managed by RentEnd ("the Company") to assist qualified participants ("the Participant") in transitioning from renting to homeownership.

Unlike traditional rent-to-own models, RentEnd operates as a home acquisition platform — the Participant selects the home, and RentEnd acquires it on their behalf. The Program is designed to address the three primary structural barriers to homeownership:

• Down payment accumulation

• Credit qualification

• Income and debt-to-income ratio limitations

Participation in the Program constitutes full acknowledgment and agreement to the following Terms and Conditions.

2. Purpose and Mission

RentEnd's mission is to make homeownership accessible to hardworking families through a structured, engineered pathway that requires no down payment, no closing costs, and is designed to produce the lowest possible future monthly mortgage payment.

The Program allows eligible Participants to occupy a property acquired by RentEnd under a structured occupancy agreement, while a portion of the monthly payment is reserved toward the Participant's future down payment and closing expenses.

RentEnd does not sell a dream. It delivers a defined, measurable path to ownership — built around affordability, qualification readiness, and long-term payment stability.

3. Program Structure

3.1 Occupancy Period

• Each Participant enters into a structured occupancy agreement for a term typically ranging from 6 to 12 months, during which the property remains titled to RentEnd or its designated acquisition entity.

• The occupancy rate is structured to enable the Participant to accumulate down payment credits during the term.

3.2 Down Payment Accrual

• A portion of each monthly payment is credited toward a down payment reserve, held in escrow or trust by RentEnd's designated management affiliate.

• All funds are fully documented and disclosed for future mortgage qualification purposes.

• Credits are non-transferable and may only be applied toward the purchase of the specific property occupied under the Program.

• A minimum occupancy period of six (6) consecutive months is required before a purchase can be executed, in accordance with Florida Office of Financial Regulation guidelines.

3.3 Credit Enhancement

• During the occupancy term, the Program may facilitate complimentary credit optimization services for Participants at no additional cost.

• Subject to compliance and Company approval, a portion of the accrued down payment reserve may be applied toward settling collection accounts or reducing credit card balances to accelerate mortgage qualification.

• RentEnd does not provide credit repair or financial advisory services directly and may refer Participants to licensed third-party professionals for such assistance.

3.4 Interest Rate Buy-Down

• To improve mortgage qualification ratios and reduce long-term monthly payments, RentEnd may allocate funds toward an interest rate buy-down at closing.

• The contribution amount and final loan terms are subject to lender approval and applicable federal and state lending regulations.

• In many cases, the structured buy-down results in a future mortgage payment equal to or lower than the Participant's current occupancy payment.

3.5 Performance Upgrades

• Where applicable, properties acquired under the Program may receive performance upgrades prior to or during the occupancy period.

• Upgrades may include energy-efficient systems, smart home technology, and utility cost-reduction enhancements.

• These upgrades are designed to lower total cost of living and improve long-term property value. They are not guaranteed for every property.

4. Transition to Homeownership

• Participants must occupy the property as their primary residence for a minimum of six (6) consecutive months before closing, as required under Florida Office of Financial Regulation guidelines.

• Upon successful completion of the occupancy term, credit readiness, and lender approval, the Participant may proceed to purchase the property.

• The final purchase price, interest rate, and loan program will be determined based on prevailing market conditions at the time of closing and the Participant's final qualification status.

• Should the Participant elect not to purchase or fail to qualify by the end of the occupancy term, the agreement may revert to standard tenancy terms at market rate or terminate at the end of the term.

• RentEnd does not guarantee a specific outcome. All purchase transitions are subject to third-party lender approval and applicable regulations.

5. RentEnd Contributions and Limitations

• All RentEnd contributions — including interest rate buy-downs, closing cost credits, and occupancy payment structuring — are voluntary incentives and are not guaranteed for every property or Participant.

• The total value of all Company credits shall not exceed the percentage of the property's purchase price permitted under applicable federal lending guidelines.

• Contributions may not be exchanged for cash or applied toward non-housing expenses.

• RentEnd reserves the right to decline acquisition of a specific property based on condition, location, market factors, or qualification assessment.

6. Participant Responsibilities

Participants acknowledge and agree to:

• Maintain the property in good condition throughout the occupancy term.

• Make all payments in full and on time as outlined in the occupancy agreement.

• Participate in credit-readiness and financial-review consultations as scheduled by the Program.

• Provide accurate, complete, and verifiable information required for mortgage qualification.

• Comply with all terms of the executed occupancy and purchase agreements.

Failure to comply with the above obligations may result in forfeiture of accrued credits and termination of Program eligibility, subject to applicable Florida law.

7. No Guarantee of Loan Approval

Participation in the Program does not constitute loan approval or guarantee mortgage financing. All final approvals are subject to independent lender underwriting standards, credit review, property appraisal, and verification of income and assets.

RentEnd structures the path — it does not control the outcome of third-party lending decisions. Participants are encouraged to engage actively with all credit and qualification processes during the occupancy term.

8. Property Condition

Properties acquired under the RentEnd Program are delivered in the condition agreed upon at the time of occupancy agreement execution. RentEnd does not provide builder warranties unless explicitly stated in writing.

Normal wear and tear during the occupancy period remains the Participant's responsibility. Any property modifications during occupancy require written approval from RentEnd.

9. Program Modifications

RentEnd reserves the right to amend, suspend, or terminate the Program or any of its incentives at any time, without prior notice, provided such changes do not retroactively affect executed occupancy agreements.

Participants will be notified of material changes to the Program that affect their active agreement.

10. Legal Disclosures

• The Program operates in full compliance with applicable state and federal housing, lending, and consumer-protection laws, including those of the State of Florida.

• RentEnd is not a mortgage lender and does not originate, broker, or underwrite mortgage loans.

• RentEnd is not a real estate brokerage. Property acquisitions and transactions are executed through licensed third-party real estate professionals.

• All escrow and financial transactions are handled through licensed and bonded entities in compliance with applicable Florida state regulations.

• All transactions are structured in accordance with applicable lease-option, lease-purchase, and occupancy agreement frameworks under Florida law.

11. Limitation of Liability

RentEnd, its affiliates, officers, and representatives shall not be liable for any indirect, consequential, or incidental damages arising from participation in the Program, including but not limited to loss of accrued credits resulting from Participant non-compliance, failure to obtain mortgage approval, or changes in market conditions — except as required by applicable law.

12. Acceptance of Terms

By submitting a program application or entering into a RentEnd Occupancy Agreement, the Participant acknowledges that they have read, understood, and agree to these Terms and Conditions, and consent to RentEnd's policies regarding data handling, escrow management, credit facilitation, and program administration.

This document constitutes a legally binding agreement between the Participant and RentEnd for all purposes related to program participation.

13. Contact

RentEnd — Compliance & Participant Relations

Florida, USA

All transactions are executed through licensed third-party professionals.

RentEnd is a home acquisition and structured transition platform. We are not a mortgage lender, bank, or real estate brokerage.