About the tenant-buyers:

Isac and Helen are a young, hardworking couple with a small child and another baby on the way. They’ve found their ideal starter home—a renovated townhouse in Hamilton, Ontario, priced at $424,900. With the market heating up, they know they need to act fast to lock in a home at today’s prices before they get priced out. That’s why they’re moving forward with Rent-to-Own now. They’ve already saved an impressive $50,000 for a down payment, and with Isac’s stable income, they can comfortably keep up with the monthly payments on the property. Helen is on maternity but she plans to return to work in 2026. This couple is not only financially responsible but also forward-thinking and ready to start building equity in a home for their growing family.

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Income

Together, Isac and Helen currently have a combined annual income of $100,749. Isac brings in $91,249 as a Vinyl Production Supervisor at Pool Werx, a job he’s held since 2016, proving his long-term employment stability. Helen receives $9,500 annually in child benefits while on maternity. When she returns to work in 2026, their household income will increase, positioning them to easily qualify for a mortgage by the end of their Rent-to-Own term.

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Credit

Isac and Helen are solid when it comes to credit management. Isac’s credit score is 667, and although he currently has a car loan, it will be fully paid off during the four-year Rent-to-Own term. Helen’s credit score is an impressive 709, and she only has one year remaining on her student loan. By 2028, both loans will be fully paid off, leaving them in an excellent position to transition into a mortgage with no financial obstacles.

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Property

The couple has found a fantastic starter home in Hamilton’s desirable West Mountain neighborhood. The 3-bedroom, 1-bath condo townhouse is renovated and move-in ready, featuring laminate floors, a remodeled kitchen, a cozy family room, and fresh paint throughout. It’s the perfect space for their growing family. Located near schools, parks, shopping, and public transit, it also offers quick access to the Lincoln Alexander Parkway and Highway 403, making commutes into Hamilton or Toronto a breeze.

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Next Steps

This is your chance for a WIN-WIN — invest with just 10% of your own money and secure $382 in monthly cash flow with a mortgage of $382,410 on a well-priced home in a prime Hamilton neighborhood. You win by building steady cash flow while helping a responsible couple, Isac and Helen, transition from renting to owning their first home and securing a future for their growing family.

Deal Summary:

Term: 4 years

Purchase Price:  $424,900

Estimated Investment Required: $59,180

Estimate ROI: 41% (based on 5.44% and a 4-year deal)

Estimate Returns: $97,840

TB Down Payment: $50,000

Numbers Summary:

Monthly Payment: $3,090

Condo Fee: $519 (paid by the tenant-buyer)

Monthly Cash Flow: $686

Future Purchase Price: $515,980 (after four-years)