About the tenant-buyers

Mistie and Justin have spent years living with the ups and downs of renting—never fully secure, always adapting. Their most recent setback was especially painful: the landlord of the home they loved promised to sell it to them, but when the market shifted, he chose to list it publicly instead—leaving them scrambling to move with little notice.

As a blended family with eight children between them—ages 12, 10, 9, 8, 4, 3, 2, and a 5-month-old—life is beautifully full and constantly moving. While only three of the kids live with them full-time, they cherish the moments when all eight are together. That’s why the last home meant so much.

They haven’t let the disappointment hold them back. If anything, it’s deepened their determination to create a permanent home where their family can grow and thrive.

They’ve already saved $40,000 toward their dream of homeownership and have found a well-priced, spacious home in Hagersville, Ontario that fits both their needs and their budget. Both Mistie and Justin have good credit, and their only outstanding debts are tied to their two vehicles—both of which will be paid down during the 4-year Rent-to-Own term.

This is a couple who shows up—for each other, and for their kids. They are responsible, focused, and ready to turn this next chapter into the one where their family finally gets the stability they deserve.

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Income

Mistie and Justin have a combined annual household income of $156,672 from stable employment and secure, dependable benefits:

• Mistie is a Care Giver for Right at Home Canada.  She earns $12,972/year based on hours she is available to work at the moment but Is planning to increase these hours to double the income in September when a couple of her kids start at school full-time.
• Justin is a Foreman at Bloom Property Solutions, where he has been employed since 2024. He earns $75,000/year
• The couple also receive CCB (Child Benefits) which are guaranteed for the term of the Rent-to-Own in the amount of $49,680 annually
• Mistie also receives child support (which will also be for the duration of the program due to the kids ages) in the amount of $19,200 annually

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Credit

• Mistie’s score: 671
• Justin’s score: 621

The couple of have had to have dependable cars and have invested in two car loans which is a large part of what has held them back from getting their own mortgage.  Over a 4-year term, they will have time to pay these down and will be mortgage ready.

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Property

The couple has chosen an  4-bedroom, 2-bath detached home in the heart of Hagersville, Ontario—perfectly suited to their budget and well-priced for its features and location.

• Purchase Price: $575,000 (target)
• Premium Features: 2500 sq ft of living space, office that can be converted into a 5^th bedroom, spacious rooms, beautiful period woodwork for the trim
• Backyard: Spacious and fully fenced for privacy and outdoor enjoyment
• Location: Close to parks, schools, shopping, local amenities, close proximity to Lake Erie.  Centrally Located – 30 min to Brantford and 45 min to Hamilton

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Next Steps

If you can qualify for a mortgage of $460,000 (based on 80% LTV), this Rent-to-Own deal offers predictable cashflow of approximately $783/month – fantastic for this price point with a 40k down payment.

Deal Summary:

Term: 4 years

Purchase Price:  $575,000

Estimated Investment Required: $100,200

Estimate ROI: 31% (based on 5.10% and a 4-year deal)

Estimate Returns: $125,925

TB Down Payment: $40,000

Numbers Summary:

Monthly Payment: $3,991

Condo Fee: $0 (no condo fee as it is a freehold town house)

Monthly Cash Flow: $783

Future Purchase Price: $690,963 (after four-years)