Last Updated: 01/27/2026
Cedar Leaseholds
Unaffiliated
Last Updated: 01/27/2026
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Cedar Leaseholds Review
Key Takeaways
- Land buyout option available at any time. Purchase the land share and convert to full ownership. Buyout price is based on appraised value at that time.
- Long-term ground lease. Lease terms can extend up to 99 years.
- Defaulting on ground rent could put your home at risk. If you fall behind on ground lease payments, the landowner may have the right to terminate the lease even if your mortgage is current.
- Full appreciation upside. Homeowners keep 100% of any home value appreciation.
- Available in most states. Cedar Leaseholds operates in a majority of U.S. states.
- You don't own the land. The ground lease is a long-term commitment.
Cedar Leaseholds Pros & Cons
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Cedar Leaseholds FAQ
How does Cedar Leaseholds’s leasehold homeownership program work?
What are the mortgage and eligibility requirements?
- Conventional mortgages, which are commonly used for standard home purchases and typically require stronger credit and income qualifications.
- FHA loans, which may allow for lower down payments and more flexible credit requirements.
What are the upfront costs?
How long is the ground lease?
Do homeowners build equity?
Can you buy the land or resell the home?
Is Cedar a legit company?
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