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Doorly works with buyers who have at least a 520 FICO, or you may qualify with approved alternative credit (like rental or utility payment history). We look at your real financial picture (not just a score) so many buyers who were denied by banks can still qualify with us.

Yes. At closing, your name goes directly on the deed and you become the official property owner. There are no waiting periods, no probation phases, and no “eventual ownership”. The home is legally yours as soon as the transaction is complete.

Buyers can close in as little as 20 days, thanks to Doorly’s cash-backed purchase model and streamlined approval process.Your timeline may vary slightly depending on the home you choose, appraisal scheduling, and title work, but we keep you updated every step of the way.

Doorly uses a modern, fully compliant mortgage structure called the Ability First Mortgage (AFM) — designed for buyers who can truly afford a home but may not fit a traditional lender’s guidelines. It’s a real 30-year, fixed-rate mortgage secured by your home, with standard monthly payments and no balloon notes, no leases, and no rent-to-own conditions.

Your rate and terms are based on your application, credit profile, and verified ability to repay — and you receive all disclosures before closing, just like any traditional home purchase. The key difference is how Doorly gets you into the home: we buy it in cash first, then complete a same-day resale so ownership transfers to you immediately with a clean title in your name.

Some companies may look similar on the surface, but their models work very differently and can expose buyers to risks they don’t always realize. Many of those programs rely on individual investors to buy the home for you using a DSCR loan, which creates an underlying mortgage on the property that you don’t control. If that investor ever stops paying their loan, the lender can foreclose, even if you’ve made every payment on time.
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Doorly never uses investors or DSCR loans. We buy the homes ourselves in cash and transfer the deed directly into your name at closing, so there are no hidden liens, wrap-around loans, or delayed ownership. Doorly is built to protect you, not put you at risk.