Lake Austin, TX Owner-Financed & Rent-to-Own Homes (No Credit)


Along the coast of  Highland Lakes (right between Bee Cave and Rollingwood) sits this wonderful neighborhood of the finest residences in Metro Austin. The refreshing breeze of freshwater already lends its unique charm to the area but what residents love more than that is its proximity to all things the city and the lake have to offer. The median listing price hovers around $1,400,000, but a quick browse through the listings reveals the availability of homes in a diverse range of budgets starting at $350,000. While there are usually 40-50 homes listed in the Lake Austin Real Estate Market most weeks, there's no need to rush homebuying as these properties stay on the market for an average of 60 days.

Those who love the picturesque views of the waterfront and the countryside will definitely feel right at home here. Many homebuyers are drawn to its breathtaking charm struggle to get past lender approvals due to credit challenges. No-credit-check home financing such as rent-to-own is tempting but it curtails your freedom to find or choose the perfect home in Lake Austin or anywhere within the 78732 zip code area. Third-party owner financing, however, gives you the flexibility to choose any single-family home of your choice in the Austin housing market without the need for credit inquiries or income verifications.

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 Lake Austin, TX (78732)?

Here are a few reasons why you should consider buying a home in Lake Austin:

  • Lake Austin features some of the finest residential properties just outside downtown. The median listing home price is $1,400,000, but relatively affordable options are also available. 
  • There are usually 50 homes available but these properties stay listed on the market for an average of 60 days—though this is a metric that changes frequently.
  • Lake Austin homeowners enjoy breathtaking views of both the waterfront and the countryside with unbeatable access to downtown Austin's finest conveniences.
  • Residents both on the waterfront and inland enjoy the laid-back charm of lakeside living along with all the entertainment and recreational activities that come with it.
  • Lake Austin is served by the Eanes, Leander, Lake Travis, and Austin Independent School Districts.

Most Popular Lake Dallas Neighborhoods for Owner-Financed Homes

Aqua Verde

Nestled along the shores of the Colorado River, this affluent neighborhood is home to some of Austin's most valuable real estate. It's conveniently located just 12 miles northwest of downtown so everyone can enjoy the best of the city and the riverside. 

Austin Lake Estates

This affluent but close-knit community right by the banks of the Colorado River, Austin Lake Estates is more known for its friendly people and proximity to the city. It's seen a lot of growth over the last few years but residents still admire the neighborhood's down-to-earth attitude. 

River Ridge

The oversized homes around River Ridge allow residents to spread out and enjoy suburban living at its finest. It's been part of the greater Lake Austin area since the late 70s and continuous developments have diversified architectural designs, adding vibrance to the neighborhood's already majestic sights. 

Other Areas to Buy Owner-Financed Homes in Lake Austin


Greenshores On Lake Austin

Lake Austin Village

Manana West

Escondera Condominiums

Oak Shores On Lake Austin

Smoky Ridge

Lake Ridge Estates

Lakes Edge

Austin Lake Hills

Long Canyon

Villas at Davenport Ranch Condominiums


McCormick Ranch on Lake Austin

River Hills

Bruton Springs



Crystal Creek

Bella Lago

Overlook At Eanes Creek


Alicante Townhomes

Capitol Ridge

Patterson Place


Seven Oaks

Lakeland Park

Montevista Condominiums

Terra Linda Westlake Condominiums

The Preserve at River Place

Barton Bend

Ce-Bar Ranch Lakeview Acres

Hidden Valley

Woodlake Trails


Baldwins Point

Shepherd Mountain

The View At Steiner Ranch


Senna Hills

Carriage Crossing

Sky Forest

Westridge Estates

Aqua Monte


Lake Side

River Pointe

Montview Acres

Davenport West

Bee Creek Hills


Rob Roy

Barton Valley

Rio Robles

River Place

Travis Vista

Westminster Glen

Eanes Ridge

Palomino Ridge

Panorama Ranch

Robbins Road

Paddock At Commons Ford

Marshall Ford Vista

Sterling Acres

Westbank Condominiums

Woods Of Greenshores


Philips Ranch

How to Buy an Owner-financed Home in Lake Austin (78732)

Concerned about income verifications and other stringent requirements when buying a home in Lake Austin? Rent-to-own doesn't have the restrictions of conventional loans, but they restrict buyers from getting the home of their choice. Owner financing, on the other hand, doesn’t have any of these meticulous terms. Rather, it gives you the perks of bank-approved homebuyers such as 30-year amortization periods and the flexibility to refinance through conventional lenders with no pre-payment penalties.

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