RENT TO OWN PROGRAMS, part two

Rent to own Programs are not regulated nor standardized that is why there is such a wide variance 
of approaches as well as everything from formally legal & binding to outright fraudulent. The best 
programs should be fair to both the RTO Buyer and the RTO Investor. Caution is a good definition of 
how to start but keep in mind that the good programs will have a track record, proper documents, and 
references if requested. 
 
The need for an RTO program can be derived from different requirements such as credit repair, recovery 
from a consumer proposal, short of funds for down payment + closing costs, or perhaps still not yet a 
permanent resident or landed immigrant. The most important issue here is to determine the length of 
time to correct the deficiency even if short of funds to a term of two or three years as any longer period 
can become too costly for the RTO buyer. As has been mentioned in past articles there are some issues 
that are legislated as to qualifying for a high ratio mortgage (less than 20% down payment) such as 
consumer proposal or personal bankruptcy which must be three years from discharge date in order to 
apply for a high ratio first mortgage with CMHC or any of the insurers. 
 
Part of the process in applying for any program for an RTO Buyer should be financial qualifying. This 
involves qualifying for the future purchase price determined today based from the today purchase price. 
No RTO Buyer should enter a contract not knowing if can close the transaction in the two or three end 
period stated in the agreements. The calculation method should be based on the same criteria used by 
the banks and the insurers being 30% of gross income for PIT (principal + interest mortgage & property 
taxes) and 10% of gross income for carrying other debts such as a car payment. Any variance from 
these guidelines needs to be carefully reviewed and discussed with the future financing source such as 
the designated mortgage broker for the program. Personally I use John Khan of Resourceful Capital 
Financial Corp who can be reached @ 416-899-4088. I recommend John as he is familiar with all 
available financing packages and will honestly advise the best approach for a client including RTO or 
even self employed or other hard to mortgage circumstances. 
 
Another key ingredient is credit repair and proper budgeting. The minimum standard requirement now 
for qualifying for a high ratio mortgage is at least 700 or higher credit score. The days of achieving an 
approval with a 650 or even 680 credit score are all but gone the way of the dinosaur – extinct. Some 
credit repair solutions are simple & easy such as one that offers 90 points in 90 days. Using a reputable 
and knowledgeable company is critical to navigating the field of debt/credit counselling from qualified 
professionals to those that are complete frauds. I recommend Debtmasters as they offer all avenues from
a prepaid credit card eligible for credit score repair to working closely with trustees, CRA, banks, and 
many other organizations. The other strong contributing point from Debtmasters is working with the 
client to understand proper budgeting and financial lifestyle management. The cost is affordable and 
includes a monthly payment plan. To contact Debtmasters call the president who offers his personal 
service to all clients @ 905-712-3500 asking for Gilbert Landriault. Again I recommend Gilbert as he 
is properly licensed, has excellent experience with years of background in the field and mostly because 
he puts the client first whereas many of these organizations are in the business to take advantage of the 
client at a time when they are most vulnerable. 
 
All parts of any program should have good reputable people representing every stage of the process 
including a home inspector. The best home inspector should be bonded, formally trained with hopefully 
a background in the construction trade as well as all the proper equipment including thermal imaging, 
moisture meter, carbon monoxide tester, along with proper written reporting material that is support 
for both the RTO Buyer and RTO investor. I recommend Joe Roberto of Lighthouse Inspections as my 
experience with Joe is that many times he has caught small and big issues that have saved any buyer a 
lot of future grief as well as allowing remedial action taken with the seller prior to closing date. You can 
reach Joe @ 647-709-3883 cell.
 
There are many qualified professionals in each of these fields but I recommend these three as they 
are experienced in the standard purchase process and the RTO program. This is extremely important 
to combine a good program with the best professionals knowledgeable in all aspects of their own 
expertise and that of others. Any purchase is a process and not an event but the RTO program is a more 
complicated yet simplified purchase avenue. Just be sure to consult with the RTO program director as
well as question the validity of each professional in each step taken. 
 
Future articles will detail information for both sides of the RTO program for the Buyer and the Investor. 
 
If you have experiences that you wish to share, or questions to poise please contact the writer direct 
416-843-8709 or email wayne@waynemuir.com

 

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