RTO vs Save-and-Wait

The honest gate on rent-to-own: what you'd pay at buyout, how much of it your credits cover, and what failure costs under a predatory contract vs the RTO Charter. If the math says wait, wait.

Home price today ($)

RTO option escalation (%/yr)

Term (years)

Initial deposit ($)

Monthly credits/savings ($)

Market growth assumption (%/yr)

If you don't complete, you lose…

Defaults reflect the market benchmark (a ~5%/yr locked escalation is common) and a neutral market guess. Change them — that's the point.

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Buyout price at end of term

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Your total credits by then

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If it works: net cost basis

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If it doesn't: money lost

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Wait & save: market price at term

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Same savings, kept by you

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The formulas (so you can audit us)

Buyout = price × (1 + escalation)^years · Wait-path = price × (1 + market growth)^years
Credits = deposit + monthly × 12 × years (simple sum, no interest)
Net cost basis (if it works) = buyout − credits · Money lost (if it doesn't) = credits × your selected forfeiture %
Escalation benchmark: ~5%/yr locked buyback (common in Canadian RTO programs, Fall 2026). Charter mode = capped forfeiture with exit ramps.
Estimates only — not advice; every contract differs. Get independent legal advice; the Charter requires it anyway.

What next?

Check fair rent in your city first with the Rent Estimator — it's the number this whole play competes against.
Buying directly instead? See Co-op-Off + the Playbook.
Want the full Terminal? Join the founding-member list — free tools, success fees only, no spam.

Spotted a wrong number? Tell us — corrections jump the queue.