A residential sale-leaseback permits homeowners to sell their home to an investor and immediately lease it back. The investor may be a relative or may be completely unrelated to the seller. The object for the seller is to modify their financial situation to their advantage without having to move out of the property. The transaction may be a full cash transaction, or the buyer may make a down payment and then monthly payments to the seller structured as a secured loan. Many sellers like sale-leaseback transactions because they can be structured to provide them with funds with which to retire. In other situations, the seller may have equity in the property but is struggling to pay monthly mortgage payments, HOA fees, real estate taxes, and insurance premiums. In these situations, a sale-leaseback may save the owner from a foreclosure. Homeowners who are behind in their payments should consider a sale-leaseback.