The Rent to Own program done properly has two major participants. The RTO Buyer and the Investor 
who will be the title holder of the home for closing. 
Bad things happen to Good people. That is why from time to time some need assistance in life to get 
restarted. Many different situations cause this from job loss, business failure, injury, divorce, and 
unfortunately overspending of credit cards. When this happens it damages credit, changes one’s life and 
a restart or rebuilding of one’s life will occur. 
The RTO program brings together people that have had the bad happen and those more fortunate that 
have achieved life’s success without experiencing any failure. Investors typically have excellent credit, 
over 750 credit score, along with good equity and/or liquid cash to invest. Their purpose is to find real 
estate investments that will be safe and rewarding
An investor’s starting point for the RTO program is that their interest is based on real estate. They 
have title until transfer date. And mostly they have no need to enforce the Landlord and Tenant Act. 
The contracts used are not applicable to this arrangement as it is a contract between an Owner and an 
Occupant. This favours neither side and are joint venture based agreements. 
The added bonus for the Investor is the lack of worry and maintenance which in turn provides the RTO 
Buyer with care and control of their home soon to be title secured. In the Occupancy agreement it is 
defined that the Occupant is responsible for their home. The Investor receives no 3 am phone call that 
the furnace quit working or the neighbours are calling the city bylaw enforcement that the lawn is a hay 
field. The Investor has an investment without the hassle. 
Now that we have the reasons that the Investor prefers this approach I will give a few examples of true 
angel investing that has revived this author’s passion for selling real estate. It is such a joy to find that 
perfect dream home and watch as eyes light up and hearts race as the ideal combination of dream and 
reality come together. However this lustre has been fading over the past decade as there are commission 
wars, cash kick backs, and constant failure of the profession to maintain a proper level of knowledgeable 
and honest realtors. 
One of the couples we matched to an Investor ran into a wall that was totally unexpected. The landscape 
of the Canadian retail business is rapidly changing. There was a takeover by a USA retailer. The 
husband was told that the new retailer would hire him in recognition of his work performance however 
there would be a layoff until the locations were ready to open. Six months passed. He was given a 
promotion and more salary but the damage was done. Credit score slipped due to late payments and 
when it came time to move, yes move as the location for his work was now different, they wanted to 
buy their first home but could not qualify. Approved they went shopping and soon after moved in as 
he started his new position. The family broke down crying from happiness. The Investor has become 
good friends with the family, in fact assisting in finishing the basement and helping with other home 
maintenance. Their Angel had arrived.
Another couple who were qualified for their purchase and were ready to move in one week, all packed 
and ready to go were informed their mortgage was not longer approved by the new department opened 
called CMHC risk management. Yes they were now homeless unless a solution was found. The home 
closed thanks to an Investor. Typically this couple would have been without any where to live, lost their 
deposit, been sued by the Seller and worst of all had their lives thrown into complete turmoil. Their 
Angel had arrived. 
One of nicest experiences was with a couple when the husband was transferred from the USA as a 
franchise operation developed there is now expanding across Canada. They had owned a home there 
but the sale fell apart at the time of the USA housing crash. They lost the home which in turn trashed 
the credit scores. Being that the insurers now also include USA credit checks it was preventing them 
from purchasing a home here. Again we matched an Investor. The difficulty they were experiencing was 
that finding the perfect home in the right school district for four children, close to amenities, within a 
reasonable distance to work for the husband and in a great neighbourhood was impossible when trying 
to rent. By using the RTO program they choose the location, and the home they wanted that met all their 
wish list. Salvation for a family in a new country without knowledge of what to do. Their Angel had 
It is without question one of the most unique opportunities for both parties who are both experiencing a 
reward of intense joy beyond what they expected. There is no bigger reward then to help someone that is 
down to get up again and beam with smiles and pride. And someone that is down being able to get up to 
start their life over with pride and self esteem.
If you have experiences that you wish to share, or questions to poise please contact the writer direct 
416-843-8709 or email



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