Rent to own

You have at least one barrier to ownership, which may include:

1)      Bad Credit/ No Credit/ Past Bankruptcy

No problem. We work with people that have had all of the above, and we have simple and proven solutions to get your credit where it needs to be. You don’t need incredible credit to rent, so you are able to get in NOW, and buy the home of your dreams when you are prepared.

2)      Not enough of a down payment saved

You will after renting for a while. We strategically set rental rates at an amount that will have a portion be automatically set aside for you when you are ready to take ownership. This amount works out to be approximately 15-20% of your monthly rent, which GOES BACK TO YOU to use as a down payment when it is time to buy. It’s as if you were building equity effective immediately!

3)      Too short of a track record of income

Maybe you switched from a salaried job to a commission based one, and you don’t have enough track record to qualify for a loan. Maybe you were a home maker, or perhaps even new to the country, and you can’t verify consistent income. That’s OK, because we will set you on the right path to have all your paperwork in order.

4)      An unfortunate circumstance that is not allowing you to qualify for a loan

Happens to the best of us. Recently divorced? Death in the family, or just had your affairs rearranged for some reason? Talk to us about it, and we can give you some firm ground to stand on, and then a home to call your own.

Rent vs own

“Why pay a mortgage when most of it goes to interest, and the payments are higher?”

We’ve heard it time and time again. Let’s look at an example here – you BUY a $200,000 home, and your mortgage is $1050 per month, and your property taxes are $200 per month – that’s $1250 per month.

The financial circle of a Tenant

RENT                     Monthly Savings                               End of Sale Profit

1150                                       0                                                   0             

x 3 years                               (…)                                                (…)        

end of term                             0                                                   0

When you rent, the ENTIRE rent amount is THROWN AWAY, never to be seen again, or worse – paying someone ELSE’S loan down and making them money that YOU should be making. You gain nothing when you move, and have no equity to show.

Ownership          Monthly Savings(loan paid)         End of Sale Profit

1250                                    150                      +                8000       Property Value Increase 4%

x 3 years                              (…)                       +                 (…)         Property Value Increase 4%

end of term                         5400                     +               25,000     =$30,400

While ownership may be slightly more expensive (in this scenario), which one do you PROFIT more from? You’ve paid $100 more a month, for 3 years, that’s $3600 more – to gain $30,400. How’s that for an Investment?

What happens when your landlord’s property goes up in value? THEY GET THE MONEY.

At Access Ownership, we believe that should be YOUR MONEY.

Rent to own

Our solution allows you to:

1)      Find the home of YOUR CHOICE

2)      Move in at YOUR CONVENIENCE

3)      Have 15-20% of the payments go BACK TO YOU

4)      Potentially benefit from a great increase in value over your rental term

5)      Know what you will buy your home for in a few years TODAY

6)      Live in your dream home TODAY!

Imagine how nice it would be to pick a home that is suited to you and your needs, instead of having to search Kijiji or the local paper for whatever is available. With us, YOU PICK your home, not the landlord.

What we do is match one of our waiting investors with you, and together we will pair you with a preffered REMAX agent that specializes in Buyer Representation, and we will take you out to find the home of your choice. The Investor will then buy the home on your behalf, and we will work with you to transition you from tenancy to home ownership by working on whatever barrier(s) that led you to us.

What’s the catch? There is no catch. Really. The BENEFITS for everyone else involved is:

1)      The Investor/landlord gets a happy tenant

2)      The Investor/landlord gets a longer and more stable rental term

3)      The Investor/landlord knows what they will sell the house for in the future

4)      The Realtor gets paid by the seller of whichever property you move in to

5)      We get paid from the Investor

Essentially, we are combining our hard work and ability to coordinate the most professional real estate services with our Investor’s desire for less risk and happier tenants, and your needs for a better quality of life. It’s what we like to call WIN-WIN-WIN.

Life’s problems create opportunities, and we have perfected that transformation.

APPLY TODAY!!