Banks See Your Line 15000.
We See Your Cash Flow.
You didn't build a business to be told you can't afford a home. Rent-to-own bridges the gap between what you earn and what banks will count—so you can stop renting and start building equity while your income documentation catches up.
Your Income Reality
Business for Self Analysis
Your Accountant Saved You Thousands in Taxes.
The Bank Says You Can't Afford a Home.
Here's the thing: banks don't care about your gross revenue. They don't factor in the vehicle you need for work, the home office you run, or the equipment you invested in. They see one number—Line 15000—and make their decision.
You've spent years building something. You manage cash flow, handle payroll, navigate quarterly taxes. You know exactly what you can afford.
But the bank's algorithm doesn't see any of that. It sees a number that your accountant—correctly—minimized to save you money.
Why Banks Say No
- 1.Less than 2 years of self-employment income history
- 2.Line 15000 doesn't support the purchase price
- 3.Business write-offs reduce your "qualifying" income
- 4.Inconsistent income between tax years
The Real Cost of Waiting
Every month you wait for your documentation to "season," you're losing money three ways:
That's more than most down payments.
Own Now. Qualify Later.
Keep Building Your Business.
Rent-to-own isn't a consolation prize. It's a strategic tool that lets you lock in today's price, build equity while you live there, and qualify for your mortgage when your documentation is ready—not when the bank's arbitrary timeline says so.
Choose Your Home
You pick the property. Any home on the market in Ontario or Alberta that fits your budget. We purchase it and you move in.
Lock Your Price
We set and you approve the future price before we even make an offer so you aren't at the mercy of the market.
Build While You Qualify
Every month, a portion of your payment builds toward your down payment. Use the time to season your income documentation and optimize for mortgage approval.
From Application to Ownership
Pre-Qualification
60-second assessment. No fees. No credit check. We determine if you have a realistic path to mortgage qualification within 36 months.
Find Your Home
Work with our real estate partners to find a home you love. You choose—we don't push inventory properties on you.
Move In
We purchase the home. You move in, typically within 30-60 days. A portion of each payment builds your down payment.
Mortgage & Ownership
When your income documentation is ready (typically 24-36 months), you qualify for a mortgage at your locked-in price and take ownership.
Rent-to-Own vs. Waiting It Out:
A Business Analysis
You're an entrepreneur. You make decisions based on numbers, not emotions. Here's how the comparison breaks down over a typical 3-year term:
Difference: +$9,592 in your favour + homeownership with rent-to-own.
*Based on $530,000 purchase price, $25,000 initial deposit, $500/month rent credit, 4.5% annual appreciation. Your specific numbers will vary.
| Comparison Item | Continue Renting | Rent-to-Own |
|---|---|---|
| Monthly Payment | $3,000 | $3,928 |
| 36-Month Total Paid | $108,000 | $141,408 |
| Equity at End | $0 | $43,000 |
| Home Price (3yrs) | $625,000 (market value) | $604,818 (locked) |
| Net Position | -$108,000 | -$98,408 but now you own |
They Built Businesses. Then They Built Equity.
"Working with Clover Properties has been a life-changing experience, personally and professionally. As someone who went through CP's rent to own program, not only was I able to provide a home where my family can make memories, I was also able to earn some equity at the same time. I purchased my home from my investor for a price lower than the market value!
"We did a rent-to-own contract in 2019 with a 4-year buying option. The process of buying a home is difficult, but with Neil and his team the process was seamless. We learned so much, and got the tools we needed to be able to purchase. We had lawyers that turned us away because they didn't believe in it. I'm so glad we didn't take no for an answer because this was the best decision of our lives.
"It's amazing to find an ethical and transparent company when it comes to helping people get into homeownership. We couldn't be more impressed with the systems Rachel and Neil have put into play to ensure buyers have a positive rent-to-own experience!
"From the moment I met Rachel and Stephanie, who explained their program, I recognized the potential for helping so many people leverage their way into home ownership when it was otherwise unavailable. There's nothing quite like being able to purchase your own home and this is a great opportunity to qualify, choose and live in your home as a partner in the process.
Transparent by Design
No Hidden Fees
We don't charge application fees. We don't charge sitting fees. Our model only works when you succeed.
Lawyer-Reviewed
We require you to have independent legal counsel review all contracts. This protects you—and we insist on it.
BBB A+ Accredited
Accredited since 2017. Our reputation is built on doing right by the families we work with.
Questions You Should Be Asking
Your Business Runs on Cash Flow.
Your Mortgage Approval Should Too.
We don't accept everyone. We only accept clients who have a mathematical path to mortgage qualification within 36 months. If that's you, let's talk.