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
Most families who want to own their own home save up to get to 5% downpayment only to find out the banks want 10%, 15% or more. This isn’t the only challenge though as there are those that save the 5%, qualify but not have the 2-4% closing costs needed and are flung back into renting. We can help in both cases.
Credit Challenges Holding you Back?
Working hard on your credit but it seems like everytime you improve it, the banks shift the bar on what is required?
Time is the best option when repairing your credit. In a rent-to-own, you get just that. We can offer 3 and 4 year options where you can select the home you want to own, we help you buy it and then you get time to repair your credit without the stress of having to keep up with the banks requirements. Time can make a huge difference in a 650 score or a 750 score.
New to Canada? Need time to Secure your PR?
No PR yet, No problem!
New to Canada and have filed for your Permanent Residency? Not sure of the timing but would like to set down roots and establish security and stability for your family in your own home? Rent-to-Own can provide you with the time, while living in the home you want to own, to establish credit and income while waiting for your PR to come through. Beats waiting 2,3 or 4 years for PR and than being at the mercy of the market.
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.
You have the Drive, Determination and Mindset – Now you have a program to help you take the next step.
Whether you’re rebuilding after divorce, self-employed and overlooked by banks, newly immigrated and needing time to establish credit, recovering from bankruptcy or have saved 5% but don’t have the closing costs—Rent-to-Own can give you a fresh start. Don’t settle for a lifetime of renting. Our Rent-to-Own Program is designed to help you get back on track and move confidently toward homeownership.
How it Works!
We’ve simplified the process to ensure you get the information you need to make an informed decision for your family
Is it Right For You?
This program isn’t for everyone. It’s built for families who:
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.