Rent To Grow Homes

08/12/2025

You’ve worked hard to build your credit, save your down payment, and get ready for home ownership. But sometimes, life throws a curveball — a job change, a dip in your credit score, or an unexpected financial hurdle.

When that happens, one powerful tool can save the day: a co-signer.

In our latest blog post, we break down:

✅ What a co-signer actually does
✅ Who makes a good co-signer (and who doesn’t)
✅ The benefits and the risks for both sides
✅ How to ask someone to co-sign for you
✅ Real numbers on the cost to remove a co-signer later
✅ A real-world example of how a co-signer saved a deal at the last minute

If you're worried you might not qualify for a house but you know someone who trusts you and might be able to act as a co-signer, this is a must-read.

Life doesn’t always go according to plan. Even our most motivated Rent to Grow Homes tenant buyers can hit a bump on the road to ownership — a sudden job

06/04/2025

To get started with our Rent To Own program, tenant buyers need to provide a deposit of at least $10,000. They will get this deposit back at the end of the program to use for their down payment.

The reason we insist on the deposit is because it proves your commitment and demonstrates that you have the discipline to save. This makes you much more likely to succeed in our program. and ultimately get approved for your own mortgage.

However, many potential tenant buyers don’t quite have $10,000 saved up yet and sometimes the number seems impossible.

So we’ve put together this guide on how you can save money and go from $0 to $10,000 savings in 10 months.

To get started with our Rent To Own program, tenant buyers need to provide a deposit of at least $10,000. They will get this deposit back at the end of the program to use for their down payment. The reason we insist on the deposit is because it proves your commitment and demonstrates that you have t...

05/29/2025

🏡✨ 𝐀𝐧𝐨𝐭𝐡𝐞𝐫 𝐉𝐨𝐮𝐫𝐧𝐞𝐲 𝐁𝐞𝐠𝐢𝐧𝐬! ✨🏡
Yesterday, our newest Tenant Buyers stepped into their future — moving into their new home with a clear path to OWNERSHIP in just 2 years! 🎉

This isn’t just a win for them. It’s a triple WIN:
🔑 𝐓𝐞𝐧𝐚𝐧𝐭 𝐁𝐮𝐲𝐞𝐫 — Enjoys stability now and builds toward ownership with guided credit repair and down payment savings.
💰 𝐈𝐧𝐯𝐞𝐬𝐭𝐨𝐫 — Secures a hands-off, purpose-driven investment with great returns.
🤝 𝐑𝐞𝐚𝐥𝐭𝐨𝐫 — Closes a smooth purchase (not lease) deal and helps a deserving family grow roots in their community.

👉 Ready to be part of a future win-win-win? Visit RentToGrowHomes.com or reach out to learn how you can be next.

10/12/2024

Over the last 2 years, Rent To Grow Homes has helped several Cornwall and SDG families get on the path of home ownership. 🏠

How Our Program Works:
1) Get qualified by our mortgage broker
2) Choose the house you want to live in and eventually buy
3) We buy it for you
4) You live in it and pay slightly-below market rent + an option credit (this helps you save for your future down payment)
5) You follow a plan to improve your credit score
6) In 3 years, you get approved for a mortgage from a bank to own the home
7) We legally transfer the home to you and you are the proud owner

Our clients have good income (at least $7,500/month of pre-tax employment income), and have $10,000 saved up for a down-payment. But the banks reject their mortgage application because of of poor credit, or not enough down-payment.

A lot of the families we work with also tell us the following issues with renting in Cornwall and SD&G:

❌We are tired of dealing with the threat of my landlord selling
❌We have been renting for years…and have nothing to show for it
✅We want stability for our family
🕣 We just need time to improve our credit and our down payment

If that sounds like you, Rent To Own might be a good option to explore.

Want to learn more? Check out our website at www.RentToGrowHomes.com

05/29/2024

🚨🚨𝐍𝐄𝐖 𝐑𝐄𝐍𝐓-𝐓𝐎-𝐎𝐖𝐍 𝐃𝐄𝐀𝐋 🚨🚨

For years, Mary worked hard as a healthcare administrator to ensure her husband and 2 children had what they needed to enjoy life. They had a family boat and she was an active hockey mom, shuttling up and down the 401 every weekend.

Unfortunately, she went through a divorce a few years ago which wreaked havoc on her finances and credit score.

This is a redemption story as Mary’s worked her full-time job plus a couple of contract roles to fix her financial situation. She is now in a position to seriously look at home ownership through our Rent To Own program.

Our latest Rent To Own investment opportunity is a 3-yr deal that nets an estimated 64.2% ROI for our investor including $600/month in cashflow.

💰💰 𝐈𝐧𝐯𝐞𝐬𝐭𝐨𝐫 𝐒𝐮𝐦𝐦𝐚𝐫𝐲 💰💰

• With our RTO program, an investor would buy the house in 2024 at $400K and then sell it to Mary in 2027 at $463,050

• This 3-year deal required an investor to qualify for the mortgage at 20% down and provide the initial investment of $70,975

• Upon closing in 2027, our investor will receive their initial investment + an estimated $45,566 profit for a 64.2% profit over 3 years.

• This is 100% passive for the investor as Rent To Grow Homes manages everything

🏡🏡 𝐓𝐞𝐧𝐚𝐧𝐭 𝐁𝐮𝐲𝐞𝐫 𝐒𝐮𝐦𝐦𝐚𝐫𝐲 🏡🏡

Mary has been a healthcare administrator for over 20 years with an income of $120K per year. Like many moms, much of her money went to supporting her family. Unfortunately, she went through a divorce a few years ago which damaged her finances and credit score.

She has worked very hard over the last few years and has emerged with no debt, a growing credit score, a car that’s paid off, $20K in savings and a desire to own her own home. What’s holding her back from getting a mortgage today is her credit score and down payment.

She has gone through our significant vetting process, consisting of many discussions and a review of her financial paperwork by our RTO mortgage broker. He has approved her for a maximum budget of $400K today with a 3yr term to ensure sufficient time to build good credit and grow her down payment. He has also provided specific instructions on how to repair their credit and we have matched them with a credit counselor for the purpose of monitoring and accountability.

With our Rent-to-Own program, an investor would buy the house in 2024 at $400K and then sell it to Mary in 2027 at $463,050. By that time, Rent to Grow Homes would have helped her grow her credit and down payment so she could qualify for her own mortgage.

➡➡ 𝐍𝐞𝐱𝐭 𝐒𝐭𝐞𝐩𝐬 ➡➡

Want to see more numbers and understand how all the risks are being managed? Send me a DM and I’ll send you the deal sheet showing how all the calculations are made.

12/27/2023

This holiday, our investors won't receive any frantic phone calls or urgent emails about maintenance issues or late rent from tenants.

Just like every other day.

We take care of the property and the tenants. Our investors take care of....managing their monthly cash flow.

10/12/2023

If you're a new Canadian and don't have your PR (permanent resident) status, you are likely required to pay an additional 25% tax on the purchase price of your home at the time of closing. This tax is called the Non Resident Speculation Tax (NRST) or the Foreign Buyer Tax.

So if you're looking to buy a home that's $400,000, make sure you have an extra $100,000 available.

We recently helped a family avoid paying the NRST as they're doing a Rent To Own with us until they get their PR card. Here's the story.

Is Rent To Own an Affordable Alternative to the NRST?

09/24/2023

🎙🎤 PODCAST ALERT 🎙🎤

David was recently a guest on the Property Profits Podcast, and shared some of his experiences about managing Rent To Grow Homes.

To save you some time, fast forward to the 11 minute mark where David goes into detail about how a deal is constructed and talks about 20% annualized target return to investors.

You can find the episode on iTunes, Spotify on the link below.

https://www.propertyprofitspodcast.com/helping-tenants-earn-home-ownership-with-david-pereira/

08/13/2023

Based on the 100's of renters we've spoken with, here are the top 7 reasons that they explore Rent To Own.

Many of these reasons can be stressful.

Our Rent To Own program is aimed at reducing the stress and putting qualified tenant buyers onto the path of home ownership.

07/17/2023

Here's the profile of our typical Rent To Own investor.

If this sounds like you or someone that you know, please reach out. We have a few deals in the pipeline that offer 20% estimated annual return that might be interesting to you.

06/28/2023

D'OH!