Success Home - Better Housing Choice

At American Capital RE, our mission is to offer you great housing options that last. We're excited to have you join us! To qualify for our homes, there are three important things to keep in mind:

  • Item #1 -You should have an income that is at least three times the monthly rent. We'll need proof of your income to confirm this
  • Item #2 - Each adult in your household should have at least one year of housing and income history. We'll need proof of this too
  • Item #3 - We'll also conduct a background check to verify your identity. Please note that individuals with a criminal sex offender history may be restricted to single-family home rentals

As soon as one person in your household completes these requirements, you can start looking at homes that fit your budget!

Once you're approved, there are three main items to take care of before leasing and moving in:

  • Move in item #1 - start our Money Power program
  • Move in item #2 - start our Life Goals program
  • Move in item #3 - renter's insurance, utilities, and payment of move-in money

We trust that our Money Power and Life Goals programs will be great tools for you even if you choose not to rent from us!


Our Money Power program, designed to help you build and manage your money. We partner with local credit counselors who can guide you, such as Alternatives Federal Credit Union, Empower Federal Credit Union, and Ithaca Neighborhood Housing Services. 

Participating in a credit counseling session with a local financial company or counselor is a key part of the program. We'll provide you with a list of free credit counseling options. The session must be completed, and it can happen as quickly as two days after signing up.

You can choose any credit counseling service, including those offered by credit unions, banks, or nonprofit counselors. Just make sure they can access your credit report without affecting your credit score.

The session can be tailored to your needs, whether you want advice on improving your credit score or help with budgeting.


Our Life Goals program is designed to assist you in setting and achieving your own goals. You'll receive up to three free sessions with a local Life Coach. This program also includes a standard Safety Review for items specific to your current home.

Here's what you need to do for the Life Goals program:

1-Undergo a no-cost Safety Review using our standard form, excluding items related to home ownership. The reviewer will kindly point out any changes you can make to create a safer living environment if you were already a resident.

2-Host a personal no-cost half-hour session with our Life Coach. They will help you identify your purpose, motivations, and strengths. Together, you'll set your goals and create a short-term action plan. If you need guidance on any Safety Review items, the Life Coach can provide tips and a free tool kit.

3-Clear any open Safety Review items. You can confirm that they have been fixed by sending us "before" and "after" pictures via text. You can also discuss the resolution of these items during your second or third Life Coach session.

4-Benefit from two follow-up no-cost half-hour sessions with our Life Coach to help you stay on track with your goals. If all Safety Review items are resolved, you can choose to schedule these sessions during the first month after you move.

Phew! Thanks for reading all this! We believe our Money Power and Life Goals programs will empower you not just during your time with us, but for the rest of your life.

Please note that program terms, guidelines, and details are subject to change at any time.

American Capital RE, LLC

Elmira's rent-to-own specialist.

Why rent when you can buy?  Low upfront payments, monthly rents for a wide range of budgets.

"The process has been smooth and Harriet has been here the whole way."

Our office is at the corner of Hoffman and Water - look for the striped awning
We are open M-F 9:30am-5:30pm or by appointment including most Saturdays, come knock on the side door on Hoffman to enter

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