I agree with Carl, but the sticking point is that the tenant doesn't currently qualify to take over your loan. An alternate solution is a lease-to-own scenario, in which the tenant pays extra on the rent for a period of time and then may exercise an option to purchase the property up until some point in the future. In situations like yours, the exta amount paid on the rent is used to pay down the mortgage until it is low enough for the tenant to either assume the existing loan or qualify for a replacement loan. There are 2 major issues with lease options 1) few ever close for several different reasons and 2) it's hard to select a purchase price for the a point in the future. If the value of your house goes up in 2 years, you'll want a higher price at that point. If it goes down, the tenant will want to pay less. The solution is usually to pick an agreeable current value and tie the option price to that value as adjusted by a housing market index. Kind of complicated and not for most sellers.