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3 Unconventional Ways, to Become a Homeowner. Amid rising housing costs, 'Newsweek' has offered readers some alternative routes to homeownership. Over the past few years, the real estate market has seen prices rise to record levels. . Over the past few years, the real estate market has seen prices rise to record levels. . According to Scott Durkin, CEO of Douglas Elliman Real Estate, , "prices are going up, mortgage rates are going up, but inventory is down.". Here's what 'Newsweek' recommends for anyone lacking the income or down payment to find a home. . Renting to Own, This option gives potential buyers the ability to rent a property for a set period of time before having the chance to buy it. . It can help you get a good credit score, and it can help a mortgage company give you a loan for the rest of the cost of the home, Scott Durkin, CEO of Douglas Elliman Real Estate, via 'Newsweek'. It can help you get a good credit score, and it can help a mortgage company give you a loan for the rest of the cost of the home, Scott Durkin, CEO of Douglas Elliman Real Estate, via 'Newsweek'. Seller Financing, For this option, the home's seller acts as a bank, lending the purchase money to the buyer. This can be helpful if the potential homebuyer is not eligible for a conventional mortgage. Co-ownership, Shared ownership is when two or more people purchase a property together. It usually works well for unmarried couples, siblings and close friends. . The process may seem like a lot, but ultimately homeownership is the best thing you can do for your long-term financial success, Nicholas Athanail, real estate broker in New York City, via 'Newsweek'. The process may seem like a lot, but ultimately homeownership is the best thing you can do for your long-term financial success, Nicholas Athanail, real estate broker in New York City, via 'Newsweek'