Rent-to-Own Provides Ownership.Security.Stabilty.Potential for Equity.
Tap into Canada’s most trusted Rent-to-Own model—where your hard earned income, downpayment and determination actually give you the chance to own your own home.
Not Enough Downpayment or Closing Costs?
Get on the Path to Ownership—While Saving a Bigger Down and Closing Costs
Brian and Denise are a hardworking couple with a clear vision for their future. Denise runs a successful self-employed venture, but like many entrepreneurs, she needed more time to build up the full 20% down payment and cover the closing costs required to qualify for a traditional mortgage. Rather than put their dream on hold, they chose the Rent-to-Own path—a practical solution that allowed them to move into the home they wanted today while giving them the time they needed to save the rest of their down payment. With a plan in place and stability under their feet, Brian and Denise are now building toward ownership on their own terms.
Credit Challenges Holding you Back?
Tired of being asked to Leave by Your Landlord but Challenged Credit Holding you Back from a Mortgage?
After being forced to leave two rental homes in just two years, Alex and Priya knew they needed a more stable future for their young children. With $28,000 already saved toward a down payment and steady household income, they were financially ready—but their credit scores, impacted by old student loans and a missed payment during parental leave, weren’t quite mortgage-ready. Rather than continue renting while they worked on their credit, they chose Rent-to-Own as a smarter path forward. It gave them the chance to move into a home they loved today, while giving them the time and structure to rebuild their credit and prepare for full ownership.
New Marriage? Blended Family after a Tough Divorce?
You have won the battle, time to enjoy the spoils!
After going through two challenging divorces, this blended family was ready for a fresh start in a home of their own. But despite strong income, some credit blemishes and a lack of closing costs made getting a mortgage out of reach—for now. Rather than wait and hope for the “perfect” situation, they decided to take control. They remembered how quickly prices jumped during COVID and didn’t want to risk being priced out again. By choosing Rent-to-Own, they’re moving forward with confidence—living in a home they love today, managing payments they can afford, and building their future together while working toward full ownership.
Rent-to-Own Has it's Benefits!
Signing up to receive more information about Rent-to-Own is the first step toward turning your dream of homeownership into a clear, achievable plan. Whether you’re dealing with a low down payment, recovering credit, or simply can’t qualify for a mortgage today, our program is designed to help you move into a home you love while working toward ownership. By signing up, you’ll gain access to expert guidance, helpful tools, real success stories, and exclusive updates that explain how Rent-to-Own works—and how it could work for you. There’s no pressure, just valuable insights to help you make an informed decision with confidence.
Meet the Team Behind Canada’s Most Trusted Rent-to-Own Program
Rachel and Neil Oliver didn’t just enter the Rent-to-Own space—they’ve been shaping it in Canada since 2010.
As co-founders of Clover Properties and authors of the Rent-to-Own Essential Guide for Homebuyers, they’ve helped nearly 1,000 families across Ontario and Alberta become homeowners—and guided hundreds of investors to consistent, above-average returns, often generating $700/month or more in cashflow per deal.
They work closely with top real estate brokerages and mortgage professionals to ensure every deal is structured for long-term success.
With national media features on CBC, CTV, Financial Post, Canadian Real Estate Wealth Magazine, and Rogers, Rachel and Neil are known for leading with education, integrity, and results.
Their model is built on one powerful principle: families helping families.
We Wrote the Book, Literally!
Rent-to-Own Essential Guide for Homebuyers
The key to generating consistent and predictable cash flow from Rent-to-Own investment properties lies in selecting the right homebuyers from the start. At Clover Properties, we handle the entire process—from screening and education to ongoing support—ensuring each homebuyer is set up for success on their Rent-to-Own journey. For over a decade, hundreds of Canadian investors have relied on our proven turnkey model to create cash flow with confidence and invest with purpose. Our co-founders, Neil and Rachel, outline the core success factors in their Amazon bestselling book, Rent to Own Essential Guide for Homebuyers.
“Clover property has been very instrumental in our lives. I was very skeptical about RTO due to other companies and their arrogant attitude. When I met Neil, he was sincere and forthright. He explained exactly how the program worked and what the expectations were. The program is challenging, but it is definitely worth it.”
Rent-to-Own Has it's Benefits!
Taking the first step toward homeownership can feel overwhelming—especially when the traditional path keeps putting up roadblocks. Maybe you’re doing everything right, but the banks still say no. Maybe your credit is healing, your down payment isn’t quite there yet, or life just hasn’t gone as planned. We get it.
That’s why we created a different way forward.
When you sign up to learn more about Rent-to-Own, you’re not just asking for information—you’re opening the door to a new possibility. One where your rent helps you build equity. One where your timeline, not the bank’s, guides the process. You’ll get real stories from families just like yours, expert tips, and simple tools that show how it all works.
No pressure. No sales pitch. Just the clarity and hope you’ve been looking for—and a path that leads to a home that’s finally yours.