The RTO Charter
Rent-to-own has a reputation problem — because too many operators make their money when buyers fail. Our rule is the opposite: the only rent-to-own we touch is one built to complete. Here's the standard, in writing.
The seven commitments
- 1 · Escrow, always. Your deposit and monthly credits are held in a trust account (lawyer-administered) — never in the seller's pocket.
- 2 · Independent legal advice required. Before anyone signs, a lawyer who works for you reviews the lease and the option. We pay for it on our deals.
- 3 · Honest price. The option price is at or below appraised value, with any escalation capped and disclosed in plain numbers.
- 4 · Capped forfeiture + exits. If life happens, you don't lose everything: graduated returns of your credits, never all-or-nothing.
- 5 · The honest math gate. A required RTO-vs-save-and-wait comparison, plus a qualification reality check. If the math says wait, we tell you to wait.
- 6 · Credit-building built in. Rent is reported to the credit bureaus for the whole term — you leave with a better profile whether you buy or not.
- 7 · We publish our completion rate. The number that matters most is how many buyers actually close. Ours will be public, updated, forever.
Use this against anyone
Run any rent-to-own offer through the seven points above — ours or a competitor's. If a seller or company won't put them in writing, walk away. That's the point of publishing this: the checklist belongs to everyone.
Why we bother
The federal and B.C. governments are now funding rent-to-own as housing policy — it's going mainstream. Mainstream deserves a standard. Ours is completion, not forfeiture. Check the math yourself with the RTO calculator.