No. Plan A's qualification process does not go through conventional mortgage criteria. We assess your financial capacity and the property's fundamentals — not your employment documentation, W-2 history, DTI ratio, or two years of tax returns. Self-employed professionals, international buyers, ITIN borrowers, and newly arrived expats are all eligible.

Approval is driven by the option fee commitment and the property's valuation. The credit pull is soft — context only — and has no impact on your credit file.

The option fee is non-refundable in all scenarios. It is the consideration for locking your purchase price for up to 3 years, securing your registered option rights, and guaranteeing all three exit paths.

If you exercise and complete the purchase, the option fee is credited toward your purchase price — it is applied, not returned. If you sell your option to another buyer, you exit with the appreciation gap above your locked entry price. If you walk away, you leave the option fee behind and exit cleanly — no debt, no credit impact, no foreclosure.

The higher your option fee, the greater your share of any appreciation at exercise. A 5% fee gives you 0% of appreciation — your entry is secured but appreciation goes entirely to Plan A. A 10% fee gives you 40%. A 15% fee gives you 80%. A 20% fee means 100% of any appreciation is yours.

All tiers are agreed and fixed before you move in. Your locked purchase price does not change regardless of what the market does during the term.

Yes. All Plan A option agreements are recorded at the county courthouse via a Memorandum of Option filing. Your option rights are publicly recorded in the county land records system — they cannot be challenged, transferred, or removed without your consent.

Plan A operates under a two-contract structure — a residential lease and a separately negotiated option agreement. This structure is treated as a tenancy (not a mortgage or instalment sale) in all five Plan A launch states, keeping it within landlord-tenant law and outside consumer credit regulation.

Plan A operates on secondary ready-market properties in the $800K–$2M range across its five Sunbelt launch states: Georgia, Texas, Florida, North Carolina, and Arizona. The property must be ready for immediate occupation — new construction and developer stock on long settlement timelines are not eligible.

Eligible property types include single-family homes and townhouses in approved communities. Plan A also offers a Build-Control variant for developers and renovators working on fix-and-flip acquisitions.

Your single monthly payment covers the finance component — structured on residual property value at Plan A's equity-partner rate, amortised over 25 years — plus all ownership costs. Plan A covers property taxes, buildings insurance, HOA fees, and a maintenance reserve. You pay one amount. Nothing more.

On a representative $800K Fulton County, Georgia property at the 10% tier, the all-in monthly payment is approximately $6,291. A comparable non-QM mortgage would cost approximately $7,172/mo with over $160,000 required upfront.

Yes. Non-residents and international buyers can complete the entire process remotely. You do not need to be physically present in the US to sign or to make your option fee payment. Plan A completes full KYC/AML verification — thorough but efficient — with no US credit score required.

International buyers are one of Plan A's primary target segments. The ability to take an appreciating, registered position in a premium US market without a US banking history or mortgage is a structural advantage Plan A was built to deliver.

You have three pre-agreed options. You can sell your registered option to a new buyer and keep the appreciation between your entry price and the current market value. Or you can walk away cleanly — returning the property with no credit impact, no foreclosure process, and no court involvement. Or you can use all of your accumulated equity credits toward the full purchase.

All paths are pre-agreed in your contract before you move in. There are no surprises and no penalties beyond the option fee, which is already committed.

Plan A Build-Control is designed for fix-and-flip developers and renovators who are priced out by hard money's double-digit rates, low LTV ceilings, and minimum interest periods. Plan A delivers materially lower cost, higher effective leverage, and earlier exercisability — with three clean exit paths: sell to a tenant-buyer through the platform, refinance at completion, or sell on the open market.