Turn Rent Into Your
Down Payment.
Good credit? Stable income? Can't save fast enough? Lock in the future purchase price today and build equity now.
See if I Qualify in 60 SecondsThe Savings Treadmill
You've done everything right. Good credit score. Stable job. Responsible with money.
But every time you get close to a down payment, the goalpost moves. Rent increases. Home prices climb $2,000 a month while you save $500.
In Ontario, the math simply doesn't work.
You need a way to lock in today's price while you catch up.
Forced Savings That Actually Works
Clover's rent-to-own program gives you:
Price Protection
Set the future purchase price today and lock it in for 2-4 years.
Automated Savings
Your rent credits accumulate automatically every month, just for paying on time each month.
Accountability
External structure stops you from dipping into savings.
Lifestyle Upgrade
Stop moving, create stability and security. Start living in your future home.
You can afford the mortgage. You just need the down payment structure.
The Cost of Waiting
Waiting 3 Years
Scenario: Saving for $530k Home
- Home Appreciation (4.5%): +$74,818
- Rent Paid ($3,000/mo): -$108,000
- Net Position: -$182,818 Behind
Rent-to-Own for 3 Years
Scenario: Locking in future price of $530k Home
- Price Locked: ✓
- Monthly Payment: $141,408
- Down Payment Credits: +$18,000
- Net Position: +$59,410 Ahead
Questions First-Time Buyers Ask
First-Time Buyers Who Stopped Waiting
"We had lawyers that turned us away because they didn't believe in [rent-to-own]. I'm so glad we didn't take no for an answer because this was the best decision of our lives."
"Clover Properties have changed the face of Rent-to-Own with well-tested systems... They are great people with high values."
Our Transparency Commitment
We believe you should know exactly what you're getting into—before you sign anything.
✓ BBB A+ Accredited
Since 2017. Check our rating yourself.
✓ Independent Legal Review
We strongly recommend you to have your own lawyer review all contracts. Non-negotiable.
✓ No Application Fees
We don't charge to review your application.
✓ No Sitting Fees
There are no ongoing fees beyond your rent.
✓ Credit Bureau Reporting
Your on-time payments are reported, building your credit history.
How to Spot a Rent-to-Own Scam
We want you to be an informed consumer—even if you don't choose Clover.
Cash demands before viewing
Legitimate companies don't require payment before you see homes.
Unrealistic timelines
"Own in 6 months with bad credit" is not realistic.
Vague contracts
Every term should be spelled out clearly.
Discouraging legal review
Any company that doesn't want you to hire a lawyer is a red flag.
Stop Chasing Home Prices. Lock One In.
See if you qualify for a structured path to your first home.
Check My Eligibility