01 - Barrie Rent-to-Own Opportunity Clover Properties

Barrie Rent-to-Own Opportunity

Deal Summary:

Term: 3 years

Purchase Price: $530,00

Estimated Investment Required: $80,800

Estimate ROI: 28% (based on 5.18% and a 3-year deal)

Estimate Returns: $66,709

TB Down Payment: $50,000

Projections:

Monthly Payment: $3,541

Condo Fee: $0

Monthly Cash Flow: $513

Future Purchase Price: $604,614 (after three-years)

Yes, I want this Deal!!

Barrie, Ontario has emerged as a premier real estate investment destination for 2024 through 2026. Here are three key reasons why this area represents a strong opportunity

1. Strategic Location Between Toronto and Cottage Country

Barrie sits about an hour north of Toronto along Highway 400, making it a prime commuter city.

Positioned about an hour north of Toronto along Highway 400 and connected by GO Transit, it attracts buyers and renters who want more space and affordability without completely disconnecting from the GTA job market. As remote and hybrid work models continue, Barrie benefits from people who no longer need to commute daily but still want proximity to Toronto. At the same time, its access to Kempenfelt Bay and cottage country gives it lifestyle appeal that supports both full-time residency and long-term housing demand.

2. Population Growth and Infrastructure Expansion

Barrie has been one of Ontario’s fastest-growing mid-sized cities, and that growth fuels new residential developments, commercial plazas, schools, and healthcare facilities. As more families move into the area, housing demand naturally increases, supporting both rental stability and long-term appreciation. When a city continues investing in roads, transit, and community amenities, it signals confidence in future growth — something real estate investors pay close attention to.

3. Affordabilty Compared to the GTA

Barrie remains relatively affordable compared to the GTA core, which creates a steady migration pattern from higher-priced markets. Buyers who feel priced out of Toronto often discover they can purchase larger detached homes or modern townhouses in Barrie for significantly less. That affordability gap helps sustain demand and keeps resale liquidity strong. For investors, this means a healthy tenant pool, family-oriented neighbourhoods that attract stable renters, and a market that still offers room for appreciation compared to more saturated urban centres.

Meet Alanna and Christopher

Alanna and Christopher are accomplished professionals who are looking to move from renting to owning. They do not have any children.

Both work in the law field as law clerks.

With rents climbing toward $3,200 a month, the couple decided they are done renting. They have saved $50,000 for their down payment and just need a 3-year term to improve Alanna’s credit.

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Income

Combined household income: $147,224/year

Alanna is a Law Clerk and McDonald and Partners. She has been there since 2021 and earns $65,000 annually.

Christopher is also a Law Clerk in the Legal Services Department for the Toronto Police Services. He has been in this role since 2024 and earns $82,224 annually.

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Credit

Alanna: 530

Christopher: 813

Alanna took a slight hit to her credit from a collection item that she was not aware was on her bureau. She is working to correct the damage done through Equifax but is not able to qualify for a mortgage today due to her credit. They are not carrying any credit card debt, but Alanna needs more time to pay off her student loan.

During the 36-month term, the couple will also work directly with a money coach and a mortgage agent to ensure they are mortgage-ready in 2029.

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The couple fell in love with a move-in-ready, 3 bed / 2 bath freehold town, located in one of Barrie’s most coveted neighbourhoods. Updated modern finishes throughout, updated kitchen flooring and bathrooms in the last four years and new furnace (2024) and A/C in 2023. Finished basement and walk-out access from the kitchen to the fenced backyard.

The location is minutes from Highway 400 and the GO Train – ideal for commuting. The house is also close to Barrie’s waterfront, schools, hospitals, and retail. Listed for $565,000, this property sits squarely in the most in-demand price band for Ontario’s growing wave of entry-level buyers.

Demand grows. Supply does not, because builders cannot deliver comparable product for these costs. Also, in the current market, there is more negotiating power. The realtor is targeting a purchase price of $530,000 on this property.

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Next Steps

If you can qualify for a mortgage of $424,000 (80% LTV on an estimated $530,000 property), this deal offers an estimated $513/month in positive cash flow after expenses and fees, for a predictable 36-month term with a clear 2029 exit.

Click “I Want This Deal” and send a quick email. Or text Rachel at: 416-450-1940