To Do List

The RTO program to do list for closing has a few variances from what I will term the typical closing 
process as you have two parties involved on closing day being the Investor and Occupant.
The usual steps are still involved but not in the steps of the traditional closing where a buyer(s) and a 
seller(s) is involved for the closing of the transaction and therefore the keys and so on.
  
The traditional closing will have these steps:
  
1. Typical Buyer Closing
- Buyer arranges for house insurance coverage including contents and liability at least two weeks prior 
to the date set for closing
- Buyer has been to their lawyer to pay the balance due a few days prior to closing date
- Usual to have added visits in the purchase agreement including one for final walk through for closing
- The property’s utilities have been transferred to the Buyer’s name including water + hydro + gas at 
last two weeks prior to the date set for closing
- Arrangements made for cable including internet and home telephone if using one
- Mail is forwarded from old address to the new one
- Advise place of employment of address change, register children at new school, and so on
- Address & phone # change notifications sent to such entities such as bank, doctor, dentist and so on
- Arrange to pick up keys on day of closing usually around 3-4 pm from Buyer’s lawyer
- The home is subject only to the Buyer’s decision and/or choice to renovate or paint and so on
- Pets and children welcome
  
2. Landlord and Tenant Closing
- All the above steps except the utilities are transferred for gas & hydro to the Tenant, water paid by 
Landlord as are property taxes + mortgage, and any items associated with occupancy are shifted to the 
Tenant such as address change and so on
- Landlord to arrange for building insurance and Tenant to have content insurance commonly referred to 
as Tenant insurance at least two weeks prior to closing
- Landlord attends to lawyer closing delivering balance of funds due
- Landlord does added visits and final walk through
- Landlord to arrange to have water in own name, Tenant to make sure gas & hydro and other things 
such as cable and/or home phone etc
- Tenant will already have issued first and last month’s rent as well as 10 post dated cheques
- Lease will already have been signed by both parties
- Landlord arranges for contact numbers as ongoing maintenance and repairs of any type will be done 
by the Landlord and as required to adhere to the terms of the Landlord and Tenant Act
- Tenant will require Landlord’s written permission to make any changes including decorating which 
often is turned down by the Landlord, and no renovations allowed
- Pets often not welcome, and larger families with 3 or more children will find it difficult to find a 
rental, often written restrictions included in the lease
- Tenant cannot change locks which is usual in the traditional Buyer closing, Landlord has a key
  
3. Investor and Occupant Closing
- All utilities including water are transferred to the Occupant. In some cities the Investor, as registered 
owner, must sign along with the Occupant for water. Should be done at least 3-4 weeks prior to 
occupancy date
- The Occupant will be doing the added visits and final walk through as the Occupant is solely 
responsible for the repairs, maintenance and condition of the home and if work was to be completed 
by the Seller such as an ESA certificate or repairing a furnace or installing a new air conditioner then 
the Occupant must confirm with the Investor that work is completed as well as do a walk through 
confirmation as it will be the Investor’s lawyer that will quarterback all of this with the Seller’s lawyer
- The usual for occupancy done by the Occupant such as address change, school, internet and so on
- Landlord to deliver balance of funds for closing as well as arrange for building insurance and 
Occupant to arrange for content insurance as well as a comprehensive liability insurance as in definition 
of the agreements the Occupant is fully responsible for the home and all activities associated with it
- Two agreements signed prior and a deposit being held in a trust account payable to Investor after the 
occupancy is confirmed by the Investor’s lawyer
- Landlord to arrange to deliver keys to the Occupant subject to receiving post dated cheques for the 
entire term which is typically 36 as well as any deposit due on closing in addition to the deposit already 
held in trust and the Occupant can change locks not providing a key to the Investor
- Occupant can decorate and renovate without permission only restricted by the requirement to complete 
all work and if above $5,000 value to notify the Investor so that if a building permit is necessary then the 
Investor will arrange as the registered title holder
- Pets and children are welcome
  
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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