San Marcos, TX Owner-Financed & Rent-to-Own Homes with No Credit Check


This exciting city, conveniently located between Austin and other prominent neighborhoods such as Martindale, Maxwell, and Kyle, offers accessibility to all the comforts of its neighbor cities while letting residents enjoy its distinct small-town charm. San Marcos, being the County Seat of Hays, has enjoyed growth over the years, combining the city’s rich history with modern conveniences. Diversity of home styles, an abundance of open green spaces, and a rich cultural scene are some of the reasons why new residents have come to call the city their new home. The median listing price of $400,000 makes it an affordable housing market with most properties staying in the listed market for not more than 40 days.

Banks that usually provide the primary means of financing in the City of San Marcos require outstanding credit scores, consistent monthly revenues, and other documentation for aspiring homeowners to qualify for a conventional mortgage. This leaves entrepreneurs, freelancers, and other self-employed professionals with a long process and more requirements. A unique third-party owner financing program in San Marcos as well as in the zip code areas of 78666 and 78667 however, offers more leniency for such individuals to get the home of their choice. This arrangement also does not ask for credit histories or income statements but allows borrowers to use their cash as their basis for credit.

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 San Marcos, TX (78666, 78667)?

Here are a few reasons why you should consider buying a home in San Marcos:

  • The $400,000 median listing home price offers affordable newly-constructed property options, making it attractive for relocating families and first-time homebuyers.
  • Its prime location between Austin and San Antonio lets locals enjoy the finest attractions both cities have to offer without being dragged into all that hustle and bustle.
  • The cities rich history has made it one of the best archaeological sites for Native American artifacts.
  • Texas State University (alma mater of the late Lyndon B. Johnson) is located in San Marcos, providing residents with easy access to high-end education.
  • While it’s touted for its touted for its location between two metropolitan areas, San Marcos also offers a host of live music venues along with shops and restaurants including the famous San Marcos outlet malls.
  • The city’s prolific artistic community also gives way to diverse cultural, civic, educational, and sports activities for residents of all ages and backgrounds. 
  • San Marcos houses 18 public schools which include Crockett Elementary, Hemphill Elementary, Laura B. Wallace Middle, and Jack C. Hays High.

Most Popular San Marcos Neighborhoods for Owner-Financed Homes

La Cima

Just 5 minutes west of downtown San Marcos is a thriving master-planned community that mixes the conveniences of a big city with charm of a college town. The centerpiece of this community is its own central park where locals can play, run, and bond with their neighbors.

Kissing Tree

The cozy homes and quiet streets of Kissing Tree form a wonderful ambiance that retirees and empty nesters will definitely appreciate. It’s peacefully nestled at the foot of the Texas Hill Country, offering a bit of everything for everyone from a friendly round of golf to a variety of choices for dining and entertainment.

Blanco Vista

This established master-planned community features cozy homes inspired by modern Texan architecture. Residents can easily enjoy the conveniences of downtown but Blanco Vista offers a host of outdoor activities from fishing in its fully-stocked ponds to a splash in the Olympic-size community pool.

Other Areas to Buy Owner-Financed Homes in San Marcos

Oakwood Hills

McCarty Ranch

Country Estates



Fox Ridge

The Highlands

Maple Creek Condominiums

The Woodlands

Hunter Ridge

Siesta Verde

Blanco River Ranch

Mockingbird Hills


Blanco Gardens



Spring Lake Hills

Hunters Hill

Hunters Glen

Quail Hollow

Riverview Estates

Holland Hills

El Camino Real

Hamilton Hollow

Dove Meadow

Blanco River Village

G.A. McNaughton


Retreat On Willow Creek

Hill Country Estates

The Farms

Sleepy Hollow

Downtown San Marcos

Rancho Encino


Cedar Crest

Cimarron Estates

Bishop Crossing

Cedar Plateau

Jones John

Sunset Acres

Village At Springtown

Cottonwood Creek

Turkey Hollow

Tarod Philip Town Homes



Green Haven Estates


Valley View


Mitchell Andrew


Franklin Square

Meyers Mountain


Vista de Los Santos

Forest Hills

Bridle Wood Ranches


Spring Lake West

Estates Of San Marcos


Laurel Estates

Highlands East

Rocky Ranch Acres

Brookhollow Club Estates

Oak Knoll

Willow Creek


Hills Of Hays

Southridge Estates

Meadow Brook

Highland Terrace


Lost Prairie

Baker Creek Village

Majestic Estates

Hughson Heights

Oak Meadows

Weatherford Heights

Park Place

Anderson Acres

Rio Vista Terrace



Holland Park

Quarry Springs

Park North


Village West

McGehee Heights

Rancho Vista

Bent Tree


Birmensdorf Farms

Oak Heights

College Courts

Castle Forest

Deerwood Estates

Summer Mountain Ranch

University Place Condominiums

The Crossing Condominiums

Oak Ridge Estates

Two Rivers East

River Hills

Aquarius Acres

Franklin Place

Pecan Creek

Thomas Oaks

Thousand Oaks

Northwest Hills

Posey Road Ranch Estates


More Zip Code Areas Around San Marcos to Buy Owner-Financed Homes

How to Buy an Owner-financed Home in San Marcos (78666, 78667)

Rent-to-own homes are one of the popular options for credit-challenged families looking to buy a home in San Marcos. While such arrangements have no credit check, it also offers a limited inventory of homes for buyers to choose from. Third-party owner financing, on the other hand, offers more perks for aspiring homeowners with no income verifications, and less stringent requirements. Homebuyers also get an amortization period of up to 30 years with monthly payments being reported to credit bureaus to help them improve their credit scores and refinance with conventional lenders in the long run.

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