A hard money loan is something that helps an investor to purchase rental properties for a short term, usually six months or less. You may no longer need a large down payment to own a home.You may even be able to put zero-dollars down in some instances. Since there is no down payment requirement, the assistance money from the Home Plus program is instead used to cover closing costs. Renttoown homes enable aspiring homeowners to save more money towards a down payment while renting space in the house they intend to buy. We'll help you get it. Shop at your favorite stores and enjoy convenient lease-to-own purchase options. The "Zero Down Mortgage" is an upfront loan that helps buyers buy a home. For help in the Arizona, fill out the form at the bottom of the page and a representative will be in touch shortly. What is Down Payment Assistance?