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New York Rent-to-Own Lease Agreement

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Updated July 09, 2025

A New York rent-to-own lease agreement allows a tenant to rent a property while also having an option to purchase it during the lease term. Terms of the sale are commonly negotiated prior to entering the lease. When exercising an option to purchase, the tenant notifies the landlord, and a purchase agreement is made.

New York Laws

Requirement to Record: A lease with an option to purchase is not required to be recorded. However, it must be recorded to establish priority against any third party claim.[1]

Expiration: Constructive notice does not explicitly expire by statute.

Maximum Term: There is no specific legal limit to the maximum term for a lease with an option to purchase.

No Duration: If the lease does not include a duration for the option to purchase, the option will expire automatically at the end of the lease.

Signing Requirements: Must be in writing and signed by the seller.[2]

Required Disclosures (9)

1. Allergen Hazards Disclosure (NYC only) – This form and attached brochure must be given to the tenant to confirm the landlord has performed an inspection of indoor allergen hazards, including mold, mice, rats, and cockroaches.[3]

2. Bedbug Disclosure (NYC only) – Landlords must notify tenants if their properties had bedbug infestations in the previous year.[4]

3. Copy of Signed Lease (conditional) – Tenants must receive a signed copy of the lease agreement within 30 days of move-in.[5]

4. Flood History Disclosure & Risk Notice – Leases must provide notice if the property is located in a FEMA-designated floodplain, special flood hazard area, or moderate risk flood hazard area. They must also disclose any prior flood damage and contain the following language: “Flood insurance is available to renters through the Federal Emergency Management Agency’s (FEMA’s) National Flood Insurance Program (NFIP) to cover your personal property and contents in the event of a flood. A standard renter’s insurance policy does not typically cover flood damage. You are encouraged to examine your policy to determine whether you are covered.” [6]

5. Lead-Based Paint Disclosure & EPA Pamphlet (conditional) – Landlords of properties built before 1978 must notify tenants that the walls and ceiling could contain lead-based paint.

6. Notice of Applicability of Good Cause Eviction Law – Leases must notify tenants of their rights under the New York State Good Cause Eviction Law.[7]

7. Security Deposit Receipt (conditional) – Landlords collecting security deposits must give tenants the name and address of the bank where the deposit is being held.[8]

8. Sprinkler Disclosure – Every lease shall include, in bold type, whether a sprinkler system operates on the property and if so, when it was last inspected and maintained.[9]

9. Stove Knob Covers (NYC only) – For tenants with children under six years of age, landlords must provide stove knob covers and must notify tenants in writing that this is their obligation. Landlords should keep a record of notification.[10]

Seller’s Disclosures (1)

1. Property Condition Disclosure Statement (required) – On the form, the seller must describe the property’s environmental, structural, and mechanical systems and their conditions.[11]

Sample

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