Rent-to-Own with a Difference

Rent to Own turns dreams into addresses—powered by families with vision and partners who believe in second chances.

Meet Our Team

With our Rent-to-Own program, you’ll find a home you love—whether it’s a condo, townhouse, or detached house—and we’ll help you buy it. You’ll have predictable monthly payments, and a portion of those payments will go toward doubling your 5% down payment. In as little as 24 months, you could be mortgage-ready and owning the home you’re living in.

Our application process is quick and easy. In fact you could be house-shopping before your landlord cashes your next rent cheque!

Here are just a few of our team members who will be with you every step of the way, ensuring your journey to homeownership is smooth and stress-free.

Neil OliverManaging Partner, Rent-to-Own Specialist and Mortgage Professional

As the co-founder of Clover Properties, with 15 years of Rent-to-Own experience and a background in the mortgage world, I’ve seen the heartbreak that comes when families are told “no” by the banks—despite their steady income and deep desire to own a home. That’s why we poured our hearts into creating a program that’s not just affordable, but truly sustainable and achievable. It’s built for real people with real challenges—and real determination. If you have the right mindset and you’re willing to put in the work, we’ll walk beside you every step of the way until that home is truly yours.

Rachel OliverManaging Partner and Investor Relations

I co-founded Clover Properties because I know what it feels like to grow up without a place to truly call your own. My parents were hardworking immigrants who did everything right—but the banks never saw them as “qualified.” I watched them pour their energy and every dollar they had into rent, helping someone else build equity while we stayed stuck, always moving, never settling. That experience left a mark. It’s why I’m so passionate about helping families break that cycle and finally find the security, pride, and peace that comes with owning a home.

Janet EsauRent-to-Own Homebuyer Support

Since the very start of my real estate career, I’ve had the privilege of working with Clover Properties in a few different roles—and it’s always felt like home. As a realtor, some of the hardest moments were when hopeful buyers came to me ready to own, only to be turned away because of credit challenges. I didn’t become a realtor to deliver disappointment—I became one to help people find their place, their stability, their future. That’s why discovering Clover Properties was such a turning point. It gave me a way to say “yes” when everyone else said “no”—a way to turn hope into a plan.

Rent-to-Own, Why We Do It

Trusted Partners

At Clover Properties, we believe that success in Rent-to-Own starts with the right team. That’s why we work exclusively with reputable real estate professionals, experienced mortgage brokers, and trusted legal partners who share our commitment to transparency and doing what’s right for the families we serve. Together, we create a seamless, supportive path to homeownership—one that’s built on trust, expertise, and a shared belief that everyone deserves a chance to own a home.

See if you Pre-Qualify for Rent-to-Own Today!

Pre-Qualify Today!

Pre-qualifying for Rent to Own could be the chance to move beyond the renting cycle and start building real security, stability, and a stronger financial future. With the right mindset and a true commitment to the process, this first step opens the door to owning a home on your terms, even if the banks have said no.