Clarence-Rockland, Ontario (Ottawa)

If you’re looking for a strategic place to invest just outside Ottawa, Clarence-Rockland—especially the town of Rockland—is a hidden gem that more investors are starting to notice. With its small-town charm, growing population, and close proximity to the capital, Rockland offers the best of both worlds: affordability and opportunity.

While major urban centres like Ottawa can feel saturated and competitive, Rockland is still accessible—and rising. It’s attracting young families, first-time buyers, and commuters who want more space without sacrificing convenience.

About the tenant-buyers

Geneviève (Gen) has already experienced the highs and lows of homeownership. Due to a difficult breakup, she had to leave the home she purchased with her boyfriend. Now, she is on a path to build up her down payment and achieve homeownership on her own.

With no children and a stable government job, Gen has saved $20,000 for a down payment. She found the perfect home in Rockland, ON. It fits her needs, her budget and keeps her close to work.

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Income

Gen’s annual income is $121,000 from stable employment with the Federal Government.  She works for Canada Border Services in the position of Assistant Director.  Gen has held this full-time position since 2019.

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Credit

Gen’s credit score is good (672) and she manages her money well. She has a car loan, which is in good standing and will be paid down over the course of the four-year RTO term. Overall, she has minimal credit card debt and has never been late or missed any payments.

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Property

Gen has chosen a 3-bedroom, 2-bath freehold townhome in Clarence-Rockland, Ontario. This starter home is well-priced for its features and location:

• Purchase Price: $499,900
• Location: Popular Morris Village in Rockland is a safe and family-oriented community. Close to parks, schools, shopping, local amenities. Just 35 min to downtown Ottawa.
• Features:  Hardwood throughout, bright, open concept, finished basement
• Backyard: Fully fenced for privacy and outdoor enjoyment

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Next Steps

If you can qualify for a mortgage of $399,920 (based on 80% LTV), this Rent-to-Own deal offers predictable cashflow of approximately $746/month, which is fantastic for this price point.

To grab this deal, click “I want this deal”.

Deal Summary:

Term: 4 years

Purchase Price:  $499,900

Estimated Investment Required: $104,180

Estimate ROI: 28% (based on 5.30% and a 4-year deal)

Estimate Returns: $114,801

TB Down Payment: $20,000

Projections:

Monthly Payment: $3,685

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

Monthly Cash Flow: $746

Future Purchase Price: $605,320 (after four-years)