Successful Entrepreneur and Single Mom Setting Down Roots

Bianca is a hard-working entrepreneur and single-mom who has saved up $50,000 for a down payment. She has two kids, 10 and 14. After her divorce, Bianca was renting but now her landlord is selling so she is forced to move in July. Instead of continuing to waste money on rent, Bianca would like to get her own home to give her kids more stability. During her RTO term Bianca will work on repairing her credit and starting reporting more income through her business to qualify for a bank mortgage in 2025.


Annually, Bianca has earned on average between $150,000 and $250,000 in business revenue through her business, Simplicity Tween Spa.  The business has been operational since 2018 so there is longevity and it survived through COVID.  She shares a location with another business so she is cost-splitting the rent on the physical address.


Bianca went through a break-up in 2017 which left her in a state of financial chaos. She tried to battle through but found her student loan was too much to manage for her. Part of starting over, she filed for a consumer proposal in 2019. By early 2021 Bianca had paid off her debt and started working on repairing her credit. Her credit score has rebounded well (643) so far. Binaca just has a car loan on her credit now and her payment history is solid. A Clover Properties-approved mortgage broker will work with Bianca to help her get mortgage-ready within a four-year term.


Bianca has shortlisted a great property in Whitby for her kids (pictures attached). To be sure this is the home for her, Bianca is looking at another property on Saturday, June 11. Her budget is $600-700k range. The cashflow estimates are based on her top-end budget.

We anticipate there will be a lot of buyers house-hunting this weekend. Our goal is to match Bianca with an investor ASAP, while she’s finalizing which property she loves. This will allow the investor to work with the real estate agent on the offer quickly to beat any competition.

Next Steps

If you can qualify for a $559,920 mortgage (based on a 20% down payment), and would like to earn about $800+ in monthly cashflow to help Bianca and her family rent-to-own, please call or text Rachel at 416-450-1940.

Investment Property Highlights

  • Your investment is $119,080
  • Estimated annual return on investment is 36% (based on a mortgage rate of 3.75 and 30 yr amortization –approximated)
  • Your estimated NET profit $169,297
  • Your NET monthly cash flow is approx. $800+ a month
  • Tenant-buyers have $50,000 for the down payment
  • Tenant-buyers have a household income of $150,000

click to downloadspreadsheet

Investment Property Highlights

  • Estimated purchase price is $600,000 -700,000
  • Target closing date is 30 days
  • Tenant-buyer agrees to pay $3,776 monthly
  • Tenant-buyer will buy this house in 2026 for $849,947