ABOUT PEMBROKE, ONTARIO:

In summary, Pembroke combines affordability, accessibility, community amenities and a stable real estate market, making it a compelling choice for potential homebuyers in the Ottawa region.

Strategic Location and Market Access: Situated as the largest commercial hub between Ottawa and North Bay, Pembroke serves a regional market of approximately 75,000 people. This positioning provides businesses with access to a substantial customer base and key transportation routes.

Affordable Property Prices: The median home price in Pembroke is significantly lower than the national average, making it accessible for investors seeking cost-effective opportunities.

Strong Rental Demand: With a higher percentage of renter-occupied households compared to the national average, Pembroke presents a robust rental market, providing consistent income potential for property investors.

Positive Population Growth Trend: As of the 2021 Census, the City of Pembroke, Ontario, had a population of 14,364, reflecting a 3.5% increase from its 2016 population of 13,882. This growth indicates a positive trend over the five-year period

Pembroke 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

This is a three-adult household has stable income, and a shared commitment to long-term success. As a blended family, Krystal and Matt have been renting in Pembroke for 6 years but decided to stop wasting money on rent and create long-term stability for their five children  (ages 2, 3, 4, 11, 18). Krystal’s mother, Denise, will be moving in to support with childcare and contribute financially to help the family get ahead.  They desire Pembroke because Krystal and Denise work in the area and it is an hour-drive for Matthew to his employment in Ottawa.

They are exactly the kind of family our Rent-to-Own program is designed to for —hardworking, family-oriented and motivated to build a more secure future for their kids.

Krystal and Matthew are aligned on their goals, financially disciplined, and have saved $20,000 toward their down payment and have found a home they love.

———————————-
Income

This household brings in a combined annual income of $141,288 from three steady and dependable sources:

• Krystal earns $60,680/year as a full-time Personal Support Worker (PSW) at Miramichi Lodge Long Term Care in Pembroke. She’s been in this stable role since 2021.
• Matthew earns $42,900/year as a Mechanic/Technician specializing in amusement park and inflatable equipment repair. He works year-round with Funhaven in Ottawa, and during the spring and summer seasons, he takes on additional contracts with Muskoka Inflatable Adventures and Larry Potter Events. With over 10 years in this niche sector, his role is essential to keeping operations running smoothly.
• Denise earned $37,708 last year as a part-time PSW at Miramichi Lodge. She has been employed since January 2025 with Miramichi but has been working as a PSW for the last 10 years.

While their combined household income allows for more, Krystal and Matthew have intentionally limited their home search to properties under $375,000 to maintain affordability and stay aligned with their long-term financial goals.

———————————-
Credit

Denise and Krystal have great credit. Matthew isn’t far behind and has been responsibly improving his credit following a difficult divorce.

• Krystal’s score: 684
• Matthew’s score: 651
• Denise’s score: 714

With support from Clover’s expert team, Krystal and Matthew will focus on paying down two car loans during the Rent-to-Own term to further strengthen their mortgage-readiness.

————————-

Property

The family has selected a well-maintained 5-bedroom, 2-bath detached home in the desirable east end of Pembroke, Ontario. It fits their budget and their children’s needs.

With brightly painted rooms and spacious living areas, the home is a welcoming environment for their children. It offers plenty of room for play, privacy, and day-to-day comfort—something not easily found at this price point.

• Purchase Price: $355,000 (just reduced)
• Premium Features: Hardwood floors, large kitchen with adjoining mudroom, updated full bath, and a spacious fenced backyard
• Location: Close to schools, parks, shopping and amenities
• Upgrades Include: Roof (2017), Furnace (2014), Front porch (2017), Insulation (2016), Kitchen flooring (2022), and updated 200-amp electrical panel

—————–

Next Steps

If you can qualify for a $284,000 mortgage, this turnkey Rent-to-Own deal offers approximately $685/month in predictable cashflow.

 Click “I want this deal” to secure this opportunity.
First come, first served.

Deal Summary:

Term: 4 years

Purchase Price:  $355,000

Estimated Investment Required: $72,000

Estimate ROI: 29% (based on 5.30% and a 4-year deal)

Estimate Returns: $83,252

TB Down Payment: $20,000

Numbers Summary:

Monthly Payment: $2,985

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

Monthly Cash Flow: $685

Future Purchase Price: $430,893 (after four-years)