Live Rent-Free In Florida
Your Tenant Pays Your Mortgage.
Florida homebuyers are using ADU-enabled homes, duplexes, and small multifamily properties to collect rental income that offsets - and in some cases eliminates - their monthly mortgage payment. One Ten West Development builds, sells, and finances these properties in-house, so the process is faster and more straightforward than conventional homebuying.
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Why Renting in Florida Is Getting More Expensive - and More Permanent
Rent Fatigue
Florida rents have increased by more than 35% since 2020. The average renter now pays over $24,000 per year - with nothing to show for it at year's end, no equity built, and no protection from the next renewal increase.
The Affordability Gap
Rising home prices and interest rates have pushed traditional homeownership out of reach for many Florida residents. The conventional advice: save for 20% down, buy a single-family home - was designed for a market that no longer exists for most buyers.
The Wealth Gap
Every month you rent, you transfer wealth to a landlord. Meanwhile, homeowners in Florida have seen their net worth grow by an average of $100,000+ in equity over the past five years. Renting is not a neutral financial position - it is a compounding disadvantage.
There Is a Smarter Way to Buy in Florida
Rental Income Offsets Your Payment
ADU-enabled homes, duplexes, and small multifamily properties generate rental income from a second unit on the same property. FHA and VA lenders allow a portion of that projected rental income to count toward your qualifying income, and once you close, that income reduces what comes out of your pocket every month.
One Company Handles Everything
One Ten West Development operates a fully integrated team: One Ten West builds the property, Green Planet Steel manufactures the light gauge steel framing in-house, On Target Homes manages the sale, and On Target Mortgage originates the loan. No gap between builder, agent, and lender - which eliminates the coordination failures that derail most transactions.
Built Stronger, Faster, and for Florida
Green Planet Steel's light gauge steel framing is hurricane-rated, termite-resistant, and builds 30–40% faster than conventional wood framing. The result is a property engineered for the Florida climate and priced for the Florida buyer.
Three Steps from Application to Income-Producing Homeownership
Step 1 - Qualify in 20 Minutes
Complete the short form below. An On Target Mortgage loan officer will review your credit profile, income, and target market in a free 20-minute call. No credit pull required to get started. You will leave the call knowing your exact purchase range and projected rental offset.
Step 2 - Select Your Property
Based on your qualification profile, the On Target Homes team presents available ADU homes, duplexes, or fourplexes in your target Florida market. All properties are One Ten West builds - no third-party listings, no surprises.
Step 3 - Close and Collect
On Target Mortgage handles your loan from application through closing. Once you close, the rental unit is yours to lease. Most buyers have a tenant in place within 30–60 days of closing. From that point, the rental income deposits monthly - directly reducing your effective cost of ownership.
Find Out If You Qualify - Free, No Commitment
It takes under 90 seconds. No credit pull required to get started.
Your information is private and will never be sold or shared with third parties. One Ten West Development is an Equal Housing Opportunity provider. By submitting this form, you consent to be contacted by our team via phone, email, or text regarding your inquiry.
The Only Way to Know If This Works for You Is to Run the Numbers.
A 20-minute call with an On Target Mortgage loan officer is the fastest way to get a clear answer. You will leave knowing your purchase range, your projected rental offset, and whether a Live Rent-Free property fits your financial picture - with no obligation to proceed.