As affordability pressures push buyers out of larger cities, Trenton continues to attract families and professionals seeking a lower cost of living.

 ABOUT TRENTON:

Trenton, part of the growing Quinte West region, is positioned for long-term real estate appreciation. With rising population trends, strong employment, and increasing real estate activity, it presents a prime opportunity for investors.

Population Growth: Quinte West’s population has grown to 48,447 in 2024, up 6.8% since 2016.

Proximity to Key Markets: Located less than two hours from Toronto, Trenton provides easy access to Highway 401 and is 30 minutes from Belleville, a growing commercial hub. Its location makes it desirable for commuters and businesses alike.

 Employment Strength: Trenton is home to CFB Trenton, Canada’s largest Air Force base, which directly employs over 3,100 people and drives local economic stability. Other major employers include Trenton Cold Storage, Kruger Products, and Electro Cables Inc., providing steady job opportunities.

Real Estate Market Rebounding: Quinte West saw a 31.8% increase in home sales from 2023 to 2024, with transaction volume rising from 466 to 614 sales. As interest rates stabilize, buyer demand is expected to increase, further supporting property values.

Trenton will likely continue to attract families and professionals seeking quality housing with lower cost of living, as affordability pressures push buyers out of larger cities.

About the tenant-buyers:

Patrick and Tina are a hardworking couple determined to provide stability for their three children (ages 14, 9, and under 5). They are ready to break free from the cycle of renting and build equity in a home of their own. They have saved $20,000 for a down payment and are eager to put it toward homeownership.

Despite their strong financial responsibility, they cannot qualify for a traditional mortgage today and need time to re-establish credit.

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Income

Patrick and Tina have a combined annual income of $109,704, coming from multiple stable sources, ensuring financial security and the ability to comfortably manage Rent-to-Own payments.

• Patrick receives $35,361 annually through multiple guaranteed income sources:
  • $1,746 monthly insurance settlement (continues until 2056)
  • A $10,000 cash payout every five years
  • ODSP benefits (lifetime-guaranteed)
• Tina earns $48,963 annually as a Direct Support Professional for Parents for Community. Since 2023, she has been working full-time assisting people with developmental disabilities to live more inclusive and dignified lives, providing a stable and meaningful income.
• They also receive $24,750 annually in child benefits.

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Credit

Patrick and Tina have been financially responsible but were misled by a mortgage professional who advised Tina to enter a consumer proposal, which was unnecessary at the time. They are now focused on paying it off early and using the next two years to re-establish Tina’s credit, ensuring they are well-positioned to qualify for a mortgage at the end of their Rent-to-Own term.

• Patrick has a strong credit score of 712 with minimal debt.
• Tina’s credit score is currently 534, but it will increase significantly once her consumer proposal is fully repaid.

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Property

Patrick and Tina have selected a 4-bedroom, 2-bath raised bungalow in Trenton, ON (Quinte West)—a perfect home for their growing family.

• Purchase Price: $425,000, offering excellent value in the current market.
• Located in a quiet, family-friendly neighborhood with a fenced yard and attached garage.
• Features hardwood floors, a large deck off the dining room, and a finished lower level with a den, gas fireplace, and 3-piece bathroom.
• Close to schools, parks, shopping, restaurants, and just minutes from Highway 401 for easy commuting.
• Under two hours from Toronto and in a community with a growing economy.

The couples love this home and see it as the ideal place to raise their children and establish long-term roots.

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Take the Next Step

If you can qualify for a $340k mortgage, this turnkey Rent-to-Own deal offers approx.  $761 predictable monthly cashflow, financially secure tenant-buyers, and a rare low Ontario purchase price in a desirable, growing market. Click “I want this deal” to secure this this opportunity (first come, first served).

First come, first served—don’t miss out on this opportunity!

Deal Summary:

Term: 4 years

Purchase Price:  $425,000

Estimated Investment Required: $87,200

Estimate ROI: 29% (based on 5.20% and a 4-year deal)

Estimate Returns: $100,365

TB Down Payment: $20,000

Numbers Summary:

Monthly Payment: $3,291

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

Monthly Cash Flow: $761

Future Purchase Price: $516,590 (after four-years)