Bastrop County, TX Owner-Financed & Rent-to-Own Homes with No Credit Check

Batrop No Credit Check Homes

One of the original 10 counties that comprised the Republic of Texas, Bastrop has grown to become the center of the Pines Region and one of the most attractive places in Central Texas. Locals get to enjoy outdoor recreational activities through the earthy soils and rolling terrains of the Bastrop State Park, Lake Bastrop, and Buescher State Park. The county is also home to three 18-hole golf courses where anyone can enjoy a few swings on the greens while savoring some of its world-class amenities. Homes in the have a median listing home price of $400,000 but there are budget-friendly options at around $200,000-$250,000.

Not every homebuyer gets approved by conventional lenders for a number of reasons, most of which are due to self-employment, foreign nationality, or imperfect credit. While other options such as hard cash loans and rent-to-own arrangements may sound the best next step, they have their limitations wherein homebuyers have to make huge adjustments. Owner-financing on the other hand gives borrowers more freedom to find the perfect home that suits their needs, budget, and preferences without the usual requirements conventional lenders ask for. 

This guide will help you learn how to leverage owner-financing to make your dream of owning a home here a reality regardless of your credit situation:

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Why Buy an Owner-financed Home in Bastrop County, TX?

Here are a few reasons why should consider buying a home in Bastrop County:

  • Bastrop’s laid-back rural feel can be felt in its cozy homes that sit on large wooded lots. These properties come at a median listing home price of $400,000.
  • The county is comprised of 12 cities that offer diverse home styles set in a perfect blend of subdivisions and traditional neighborhoods.
  • The county is home to several outdoor spaces that offer the finest outdoor recreation from 18-hole golf courses to beautiful community parks.
  • Being one of the oldest counties in the state, Bastrop cities, communities, and neighborhoods showcase rich historic Texas architecture and timeless folklore through its properties, buildings, and other structures.
  • Bastrop’s namesake city and the county seat is home to a flourishing arts and culture scene that grows ever-vibrant through its live scenes, art walks, and colorful tours.
  • Students all over Bastrop are served by 29 public schools. Some of the most notable ones include Mina Elementary, Cedar Creek Elementary, Smithville Junior High, Elgin Middle, Bastrop High, and Colorado River Collegiate Academy.

Most Popular Bastrop County Cities and Neighborhoods for Owner-Financed Homes


The namesake and county seat of Bastrop, being one of the oldest cities in the state is known for its wonderful blend of history and progressive growth. Residents get to come home to historic homes highlighting the best and the brightest of Texan architecture while enjoying near-endless choices for outdoor recreation, cultural festivals, and entertainment. 


Nestled in the eastern part of the county, Smithville’s central location lets locals enjoy the finest amenities Bastrop has to offer while having easy access to its neighbor cities Houston and San Antonio. It’s perfect for leisure and business travelers because of its proximity to the Smithville-Bastrop Regional Airport.    


The small but welcoming community of Elgin continues to exert conscious efforts to maintain its pristine countryside vibe. Elgin’s great locations from its industrial structures, farmlands, and New York-style loft spaces, to the turn-of-the-century brick crafts and picturesque downtown district, it’s become recognized as one of the friendliest cities not just to visitors but to movies, commercial photo shoots, and music video production teams as well.

Other Areas to Buy Owner-Financed Homes in Bastrop County

Cities Shared with other Counties

Mustang Ridge (Travis, Caldwell)

Neighborhoods and Communities

Camp Swift

Hills Prairie


Circle D-KC Estates








String Prairie

Alum Creek




Pettytown (partly in Caldwell County)


Cedar Creek

Red Rock



Bastrop County Zip Code Areas for Owner-Financed Homes


















How to Buy an Owner-financed Home in Bastrop County

Whenever denied by conventional lenders, most homebuyers either take the longer route and build their credit score up or find rent-to-own options that they feel are feasible for their finances. These are good alternatives but they either take a long time to accomplish or are very limited in terms of property options. Our unique owner-financing program, on the other hand, buy any single-family home of their choice in Williamson as long as it’s in loanable condition. The program requires no credit checks or income verifications and it also does not pressure buyers to pay early and there are no pre-payment penalties. 

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