If you or someone you know or love is facing foreclosure, you know the tremendous amount of stress just thining about it causes. It is a life altering experience for a family no matter what the cause. There are other options other than the short sale which we all know about. It is called a "sale lease-back". I discovered this little known tool many years ago when I was a commercial broker for a Manhattan investment firm. In this case, an investor will buy your home at a discount or short sale, and lease it back to the homeowner for what they can afford to pay for a period of 5-10 years, then offer to sell it back to them for a pre-detrmined price. Sound good to be true? No everyone or every home qualifies for this of course. The homeowner needs to qualify for the rental they will be charged which need to be proven, and fits into a guideline of a debt to income ratio.