Tiny houses rent to own, or sub-prime financing? Sub-prime financing is the way to go — there is no down payment, you own your building faster, you pay lower interest rates and there is no impact to your credit score! 

Classic Buildings is located throughout the Midwest with locations in Missouri, Illinois and Kansas. If you live within our service area we are happy to offer free delivery up to 30 miles from any one of our showrooms! To view our showrooms, click here. Please note that we currently do not service areas outside of Missouri, Illinois and Kansas.

Contact us today to begin the process of becoming a homeowner today!


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tiny housesClassic Building’s Tiny House financing is the most affordable way to own your building

Tiny Houses Sub-Prime Financing: Advantages


Hearth Financing allows you to be prequalified for a loan without any impact on your credit score. Hearth will send you loan options from their lending partners, provide you with an opportunity to finalize your loan application through the partner of your choice, and you will receive your funds within 1-5 days! The best part? You can have a credit score as low as 580 to receive predictable, monthly funding to pay for your very own tiny house!

Click here to contact us today if you would like to further discuss your financing options.

No Down Payment: With sub-prime financing on your tiny home, you can receive funds for your purchase within 1-5 days of being finalizing your loan application through Hearth.

No Impact on Credit Score: When you apply for financing through Hearth, there will be no impact on your credit score until you accept an offer from the lending partner of your choice. This means it’s easier for you to explore your options and can make an informed decision in financing your tiny house.

Own Your Building Faster: Most mortgages on houses take at least 25 years to pay off. When you finance your Classic Buildings tiny house through Hearth, you can own your building in 2-10 years!

Lower Interest Rates: Did you know that rent to own interest rates are typically higher than those of sub-prime financing? If your credit score is in good standing, you are likely going to save more money over time with lower rates on sub-prime loans.

At Classic Buildings, we understand that not every customer has the finances available to purchase the tiny house they are dreaming of. That’s why we are happy to offer financing options through Hearth!

Tiny Houses Rent to Own: Disadvantages


Not Owning Your Building: With rent-to-own options for tiny homes, you won’t really own your building until the time of your lease expires. Although it allows you to start living in your home at a lower up-front cost, you typically pay much more for the building over the long-term. In addition to the longer-term costs, renting to own can may also require a significant investment upfront if you have a low credit score. Those with low credit scores should plan for larger investments up-front as well as higher interest rates or monthly payments on their lease.

More Expensive In the Long-Term: Most rent-to-own options will typically result in the customer paying much more for their building over the long-term. In addition to these long-term costs, renting to own can may also require a significant investment upfront if you have a low credit score. Those with low credit scores should plan for larger investments up-front as well as higher interest rates or monthly payments on their lease.



tiny house by Classic BuildingsClassic Buildings does not require you to have a credit check

Reasons to Apply for Classic Buildings Tiny House Financing

Choosing to purchase one of Classic Buildings’ tiny houses through Hearth offers you many advantages, including:

  • You can be pre-qualified for a loan without any impact on your credit score
  • You will receive the funds to pay for your building within 1-5 days
  • You can pay off your home at any time with no penalties.
  • You will actually own your building in as little as 2 to 10 years.
  • You will own an asset that will increase your personal net worth
  • If you want to move to a different location, you can take your home with you
  • You can choose to customize your building any way you like


custom built tiny housesClassic Buildings offers you a wide variety of styles to choose from


3 Easy Steps to Own Your Tiny House



Step 1: Select Your Perfect Tiny Shed Style:

Choose from a wide variety of beautiful, Amish-made portable buildings and even get it customized to your exact specifications.


Step 2: Receive Funding Through Hearth

Simply answer a few questions on Hearth’s website to see the available pre-qualified loan options with no impact on your credit score. Once you find an option that works for you through Hearth’s lending partners, finalize your application and you’ll receive your funding within 1-5 days.


Step 3: Move In to Your Very Own Tiny House!


easy to moveClassic Buildings will deliver your tiny house free within 30 miles of one of our showrooms


Classic Building Will Custom Design Your Tiny Home to Your Specifications

At Classic Buildings we can custom design your tiny house to your exact specifications. We can fit your house with drywall, electricity, insulated flooring and walls, french doors, flower boxes, skylights, and more. Click here to see a list of all of the great options that you can add to your tiny house. You can also have your home equipped with solar electric power to even further reduce your ongoing living expenses. We will paint your home the color of your choice; you can choose the colors you prefer for your siding, roofing, trim, and doors. The following is a selection of colors to choose from.


Siding, trim and door colors

Siding, trim, and door colors


Roofing colors

Roofing colors


If you would like to see how the colors you choose will go together on an actual building, click here to try out our color selector.


Finishing Your Kitchen and Bathroom

Classic Buildings can provide everything you need for your tiny house and we can make referrals to help you find a local contractor who can do the plumbing and cabinetry to finish off these areas. Depending on your preferences, you could have a custom designed kitchen and bathroom installed for less than $10,000. If you are on a tighter budget or if you enjoy DIY, you could do it for less than $1,000 by sourcing cabinets, doors, and fixtures from bargain and thrift stores such as Habitat for Humanity’s Restore.

Tiny Houses are Environmentally Friendly Too!

Not only are tiny houses friendly on your wallet, but they are also friendly to the environment. A tiny house requires fewer resources to build and it requires less gas and electricity to run. This is one of the reasons that many people who are sensitive to the negative impact that we are having on the world today are choosing a tiny house over a conventional home.


Tiny Houses Rent To OwnClassic Buildings will customize your tiny house to your specifications




If I have bad credit, can I still qualify?

Hearth can provide payment options for customers with credit scores as low as 580. You can also explore your options and be pre-qualified without any impact on your credit score!


Are there only certain tiny house styles that qualify for sub-prime financing?

No. All of our beautiful, Amish-crafted portable buildings and tiny houses can be included in our financing program.



best quality portable buildingsClassic Buildings tiny houses are built using the same process as for a larger house

Can I get insurance for my building?

For a small additional fee, we offer Protection Plus which acts as insurance on your building.


Do I need to pay extra for delivery?

We offer free delivery within 30 miles of any of our showrooms.


Where are your showrooms located?

We have showrooms located across Missouri, including Kansas City, Sedalia, Jefferson City, Rolla, Columbia, Linn, St. Charles, and Arnold as well as Swansea, Illinois.


Classic Buildings: High-Quality Tiny Houses

For high-quality tiny houses that are guaranteed to last, contact Classic Buildings or visit the location nearest to you. Our buildings are constructed using the same process as for building a home. Choose from either a metal or shingle roof; they’re the same price!

Remember, before buying a shed you should be aware of the shed permit requirements of your municipality. Sometimes permit requirements to depend on the size of your shed.

Classic Buildings has locations throughout the Midwest, including various Missouri cities (St. Louis, Arnold, Columbia, St. Charles, Rolla, Linn, Jefferson City, Kansas City, Olathe and Washington, Missouri). We are located in Swansea, Illinois and Kansas and we will deliver your shed right to you with free delivery up to 30 miles from any one of our showrooms.

If you would like to take a look at Classic Buildings’ storage sheds, check out our brochure, or visit one of our locations to see our sheds firsthand!


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“Your company produces such a quality storage building! You can tell that quality went into it because the quality just shines through it. Even the delivery was a class act. All of you do a great job.” – Rick Franklin
 Read more testimonials here!