LeaseOS — The rent-to-own platform that turns tenants into owners

The inventory-absorption problem

Spreadsheets stall your sales. Generic CRMs can't do financing. LeaseOS turns idle inventory into sold units.

Every unsold unit is carrying cost, opportunity cost, and a price you'll eventually discount. The buyers exist — they just can't clear a bank's mortgage hurdle today. Rent-to-own bridges that gap, but only if you can run amortization ledgers, Maceda-compliant contracts, treasury reconciliation and arrears at scale. Property CRMs track leads and stop there; spreadsheets fall apart at the first audit. LeaseOS is purpose-built for the financing lifecycle — so you can offer affordability as a sales lever and still keep clean, examiner-ready books.

1 lifecycle

Offer → contract → amortization → payment → title transfer, in one system

2 markets

Philippine Maceda Law and UAE RERA / escrow rules on one platform

Wider buyer pool

Rent-to-own qualifies buyers a traditional mortgage turns away — so inventory moves

0 stranded units

Every closing updates unit, ledger and contract atomically — nothing left inconsistent

One platform, the whole deal

Everything a rent-to-own operator actually needs

Not a property CRM with a payments bolt-on. Every module is shaped around how structured rent-to-own financing actually works — and around the laws that govern it.

Buyer onboarding & digital offers

Invite a tenant-buyer by email, let them set a password, and present a Selected-Offer view with condo photos and floor plan. Accept/Decline is captured digitally — and gates contract generation.

Maceda-compliant contracts

The RA 6552 lifecycle is built in — contract generation only after an accepted offer, signing, and activation that wires up the ledger. No off-system steps that strand a deal.

Amortization ledgers

Every contract activates a per-buyer ledger account with its schedule and running balance. Payments post in real time, and the books reconcile to the cent on demand.

Treasury reconciliation & payment proofs

Buyers upload payment proof from the app; treasury reconciles it against the schedule, issues an official receipt, and the buyer's view flips to Reconciled — no orphaned submissions.

Event-driven commission engine

Commissions accrue automatically at lifecycle milestones — reservation, notarisation, payment progress, conversion — and clawbacks are written back when a deal goes delinquent.

Arrears & collections

Arrears compute automatically from the schedule, surfacing delinquency early with a clear collections worklist — so you act before a deal becomes a cancellation.

Cancellation & refunds

Maceda cancellation is handled end to end: cash-surrender-value computation, refund disbursement, and the unit returning to Available — all in one transaction, never half-done.

Option-to-buy conversion & title

When the buyer exercises the option, conversion executes atomically — unit flips to Sold, contract and ledger close together, and the deal is ready for title transfer.

Installable buyer PWA

Tenant-buyers track their balance, next installment and full payment history from an installable web app with a mobile bottom-tab nav — no app-store gatekeeping, offline-friendly.

See it in action

Real screens from a real, running product

Not mockups. Every screen below is a live workflow in the LeaseOS environment.

Buyer offer & acceptance

Turn an interested prospect into a committed buyer

The Selected-Offer view shows the unit with condo photos and floor plan, the financing terms, and a single Accept or Decline. Acceptance is the gate — only then can a contract be generated, so no deal advances on a verbal yes.

Invite-by-email onboarding with self-set password
Condo photos and floor plan on the offer itself
Digital Accept/Decline that gates contract generation

LeaseOS buyer Selected-Offer view with condo photos and floor plan

Treasury reconciliation

Every peso (and dirham) accounted for

Buyers submit payment proof from the app; treasury reconciles it against the amortization schedule, links the official receipt, and the buyer's view updates to Reconciled. Auto-matching catches the obvious cases so nothing sits Pending forever.

Buyer-submitted proof linked to the official receipt
Auto-match on amount and date, with a manual fallback
Real-time status flip from Pending to Reconciled

LeaseOS treasury payment reconciliation workbench

Commissions & payouts

Sales incentives that track the deal, not a spreadsheet

Commissions accrue automatically as a deal hits its milestones, computed against the active commission scheme. When a buyer falls delinquent past the clawback threshold, the platform writes the clawback back — so payout statements always reflect reality.

Milestone-driven accrual, idempotent per deal
Automatic clawbacks on delinquent accounts
Per-officer statements that reconcile to the ledger

LeaseOS commission rules and payout configuration

Buyer experience

An app your tenant-buyers will actually use

A clean, installable PWA where buyers see their balance, next installment and full payment history — and submit payment proof in seconds. A mobile bottom-tab nav makes it feel native, with no app-store friction.

Balance, next due date and history at a glance
Pending-offer CTA so buyers never miss a decision
Installable to the home screen, mobile-first

LeaseOS buyer mobile PWA — personal transparency and Maceda standing

Watch the demos

See LeaseOS in action

Two walkthroughs — one from the buyer's seat, one from the back office.

Customer experience

Accept your offer, pay, and track — from your phone

The tenant-buyer's seat: review the actual unit and offer, accept on the record, see your rent-credit ledger and Maceda standing, and submit payment proof for an official receipt. One trusted source of truth — not an agent's text messages.

Platform walkthrough

Every role, every stage — offer to title

Sales, underwriting, contracts, treasury, collections and management. Maceda-compliant contracts, event-driven commissions, reconciliation and trapped-capital analytics — the full rent-to-own lifecycle, wired in from day one.

How LeaseOS compares

The winning balance of cost and capability

Stacked against the three ways developers run rent-to-own today.

Capability	LeaseOS Purpose-built for rent-to-own	Generic property CRM (lead / listing tools)	In-house build (custom dev project)	Spreadsheets
Maceda Law (RA 6552) lifecycle	● Built-in	✕ Not supported	✕ Custom build	✕ Manual
Digital offer with Accept/Decline gating	● Native	◑ Lead capture only	◑ Build it	✕ None
Amortization ledgers per buyer	● Real-time	✕ No financing engine	◑ Custom	✕ Error-prone
Treasury reconciliation & receipts	● Built-in	✕ Not supported	◑ Custom	◑ Manual
Event-driven commissions & clawbacks	● Automatic	◑ Basic / static	◑ Custom	✕ Manual
Arrears & collections worklist	● Automatic	✕ None	◑ Custom	✕ Manual
Cancellation, refund & option-to-buy conversion	● Atomic, end-to-end	✕ None	◑ Custom	✕ Manual
GCash / Maya proof & payment rails	● Native	◑ Varies	◑ Integration project	✕ Manual
PH & UAE compliance (DHSUD / RERA / escrow)	● Both markets	✕ Not localized	◑ Custom	✕ Manual
Mobile-first buyer PWA	● Included	◑ Varies	✕ Separate project	✕ None
Time to go live	● Weeks	◑ Months (still no financing)	✕ 6–18 months	● Immediate*
Source code ownership & white-label	● You own & rebrand it	✕ Vendor's product	● Yours, at full cost	◑ Files only
Hosting & data residency control	● Your infra, any region	✕ Vendor cloud only	● Your infra	◑ Your device
Commercial model	● One-time perpetual licence	✕ Recurring per-seat SaaS	✕ Build + maintain forever	◑ Cheap, then costly

● built-in · ◑ partial / requires work · ✕ not available. *Spreadsheets are "free" until the first reconciliation error, Maceda dispute, or growth ceiling. Category labels are illustrative, not references to specific vendors.

The sweet spot

Maximum capability, minimum overhead

Capability →

In-house build

Property CRM

Spreadsheets

LeaseOS

Cost / complexity →

Sell affordability, not discounts

Rent-to-own widens the qualified-buyer pool, so you move inventory by improving access — instead of eroding price to chase the few who can pay cash or clear a mortgage.

Live in a quarter, not a saga

Pre-built rent-to-own lifecycle and PH/UAE compliance means you configure programs and launch — instead of funding a multi-quarter custom build or stitching tools together.

Compliance is the default, not a project

Maceda Law, DHSUD, BSP, Data Privacy and UAE RERA / escrow obligations are wired into the workflow — so your books stay examiner-ready as the portfolio grows.

Built to scale with the portfolio

From your first few units to thousands of active contracts with arrears, commissions and conversions — one platform runs the whole book without falling apart.

Ownership, not rental

You own your rent-to-own platform — source code and all

LeaseOS is not SaaS. Under a source-available license you receive a copy of the source code, brand it as your own, deploy it wherever you choose, and keep full control of your data and your roadmap.

The source code is yours

You receive the complete source under a perpetual license. Read every line, audit it, and never be held hostage to a vendor's roadmap or release cadence.

Brand it entirely as your own

White-label from the ground up — your name, logo, colors and domain across the buyer app and staff console. Ship it to market as your product, not ours.

Host it anywhere

Your cloud, your on-prem data center, your region of choice — Manila, Dubai or both. No mandatory vendor cloud, no per-seat metering, no usage caps that throttle growth.

Your data never leaves your control

Buyer PII and contract records sit in infrastructure you own — making Data Privacy Act (RA 10173) and UAE data-residency compliance far simpler to demonstrate.

Customize without limits

Modify and extend the platform for your own programs, schemes and workflows. The code is yours to evolve — by your team or ours — as the business grows.

Perpetual license

A one-time license to the delivered version, yours to run indefinitely. No subscription that can be switched off, no renewal leverage held over you.

Source-available, not open-source. You get the code for your own internal business use, with the right to brand, host, modify and run it in perpetuity. Reselling it or offering it to third parties as a service is reserved. The full terms are short and in plain English.

Read the license terms →

Built for

Whoever holds the inventory, LeaseOS fits

🏗️

Condo & property developers

Move pre-selling and ready inventory faster with an in-house rent-to-own program.

🏢

Property managers & owners

Convert long-vacant units into paying tenant-buyers on a path to ownership.

🤝

Brokerages & sales teams

Offer financing as a closing tool, with commissions that track every milestone.

🌏

PH & UAE operators

Run Maceda-governed deals in the Philippines and RERA/escrow deals in the UAE, on one platform.

Who builds & delivers LeaseOS

Enterprise software pedigree, delivered at AI speed

LeaseOS pairs decades of business-critical engineering with an AI-powered delivery model — so you get depth and speed, not a trade-off between them.

B

BlastAsia Inc.

Implementation partner

For 25 years, BlastAsia has built and implemented business-critical software for global enterprises — bringing deep engineering discipline, domain expertise and delivery rigor to every LeaseOS deployment.

A quarter-century building global, business-critical systems
Enterprise-grade engineering & delivery practices
Hands-on, local implementation and support

X

Xamun.ai

AI-Powered Software Factory

Xamun is an AI-powered software factory that brings speed and reliability to commercial software delivery at scale — compressing what once took years into months, without sacrificing quality.

AI-accelerated build and delivery
Reliability and quality engineered in at scale
Faster time-to-market for commercial software

See LeaseOS move your inventory

Book a 30-minute walkthrough, or jump straight into the live demo and click through every role yourself — the full rent-to-own lifecycle, from digital offer to title transfer, running on real data.

Book a walkthrough → Open the live demo

The rent-to-own platform that turns tenants into owners.