Single Family Lease Purchase

Advancing Communities Through Detroit Lease Purchase Pilot Program

Cinnaire and CHN Housing Partners have launched our single family lease purchase pilot program to help low-income families in Detroit achieve and sustain homeownership.


This pilot program incorporates CHN’s successful strategy that has helped more than 1,300 low-income families achieve and sustain homeownership. Cinnaire and CHN are applying this successful model in Detroit for 188 families living in single family homes developed through the Low Income Housing Tax Credit (LIHTC) program to help them achieve affordable homeownership over the next 8 years.

Why Homeownership Matters in Detroit

The benefits of homeownership are indisputable – Healthier families. Better educational outcomes. More secure communities. Generational wealth created. Since it first launched in Cleveland, this program has provided the opportunity for more than 1,300 low-income rental families to purchase their own homes. And, with the tools and training the program provides, more than 99% of them have stayed in their home for at least 5 years.

Shirley on the porch of her home

Read about Shirley Rhymes’ experience purchasing her home using Cinnaire’s Advancing Communities Through the Power of a Permanent Address program.

Building Michigan Communities

How it Works

Scattered Site Lease Purchase Pilot

Integrated Solutions for Success

  • The goal of the Single Family Lease Purchase pilot program is to help 188 low-income families achieve affordable home ownership over the next eight years. The pilot program includes homes in these Detroit neighborhoods:
    • •Eastside Detroit Homes
    • •Pinigree Park Homes
    • •University Grove Homes
    • •Homes at Houston Whittier
  • The pilot utilizes the learnings of CHN’s lease purchase work while adjusting for the particular needs for the residents of the City of Detroit and for the operational and community experience of Cinnaire.
  • Home Ownership & Sales Team
  • • CHN’s Homeownership & Sales Team is dedicated to creating an engagement plan to help families take title to their homes
  • Alternative Mortgage Loan Program
  • • Opportunity Resource Fund developed an alternative mortgage loan program that addresses residents’ needs and allows long-term sustainable homeownership and is offering this loan product in Michigan.
  • Cash Savings Match Program
  • • A cash savings match program that helps residents to begin to save in Year One and provides a 3:1 match at conversion (sale).
  • Down Payment Assistance
  • • A Down Payment Assistance (DPA) program that helps residents maintain a reasonable mortgage amount relative to their income
  • Post Purchase Services
  • • Buyer access to post purchase services, including: Energy conservation/repairs, financial counseling, employment services, income supports and utility assistance

This is an awesome program and opportunity for first time homebuyers to purchase a new home at an affordable price with a team of mentors to help you through the process. There is tremendous value in owning your own home. My mortgage, insurance and taxes combined are significantly less than I paid in rent each month. I’m thankful to Cinnaire and CHN Housing Partners for introducing me to this program, providing the opportunity to own my home and to leave a legacy for my children and grandchildren. 

– Trina

The first resident to purchase a home through the lease purchase program

Tools for Success

Our Single Family Lease Purchase Program as an anti-poverty and economic security strategy 

  • Home Ownership Preparation
  • • Families work with housing counselors and take home-ownership classes to ensure they are prepared and mortgage-ready to become homeowners.
  • Equivalency Principle
  • • The “equivalency-principle” maintains a family will succeed as a homeowner as long as the cost of homeownership (including insurance and taxes) does not exceed what they had previously paid in rent.
  • Program Qualifications 
  • • On-time rental payments
  • • Cash Savings
  • • Homebuyer Educational Courses
  • • 40% Debt-to-Income Ratio