RTO 2.0 Opportunity in Ottawa, ON
$832 cash flow. High-demand area. Federal government salary.
Double-digit returns. This is what risk-proof looks like
Security and stability is a priority
Welcome to 219 Pescod Ave, Cornwall, ON
Detached split-leve home is located in the highly sought after Riverdale community. The home boasts 4 bedrooms, 3 bathrooms, a large eat in kitchen, separate dining room, spacious main floor family room and a bright living room with added bonus enclosed sitting area and workout room.
Property & Location Highlights:
->Lots of space, over 3000 sq ft which is perfect as this family grows up
->Exterior includes a detached 2 car garage, private parking and fully fenced backyard
->The basement is finished basement
->Situated close to top schools, parks, located 15 minutes from the 401 and is minuted from the US border and Quebec.
What is RTO 2.0?
Rent-to-Own deals typically need the market to go up to make money. RTO 2.0 does not.
You qualify for a mortgage and purchase the home. A pre-screened family moves in, makes monthly payments, and works toward qualifying for their own mortgage at exit. You collect stable cashflow every month without paying for repairs or worrying about vacancies.
Every payment they make chips away at your mortgage. That paydown builds equity in your corner automatically, month after month, without you lifting a finger.
There is no locked-in future price. When the future owners buy the home from you at exit, the price is based on fair market value. If the market rises, you participate. If it stays flat, you already have your $170K.
RTO 2.0 is not betting on the market to go up. It is a structure that wins without it.
Want to see exactly how this works before you decide? Book a private tour of the RTO 2.0 model with Rachel.
Meet Etienne and Lydia
Hardworking Family who want to turn their rent payment into homeownership.
Personal Situation
Etienne and Lydia are career professionals with four kids (ages 13, 9, 7 and 5) who have been building a responsible life in Canada since 2018.
Etienne is a university professor, a role he has held since before immigrating and carried forward here. Lydia is an auxiliary nurse with the Integrated Health and Social Services Center. Two essential-sector careers.
They have saved $25,000 for a down payment and found a $550k home they love in Cornwall, Ontario.
This couple just needs time to re-establish credit after a set-back with a duplex property.
Employment Situation
Combined household income: $157,761/year.
Etienne is a professor in computer science at the University of Quebec. He earns $109,035 annually as a tenured professor.
Lydia earned $48,726 in 2025 in a role she has held since 2021. A critical role in the healthcare continuum, as an auxiliary nurse she assists registered nurses and other healthcare professionals in administering medication, taking vital signs, and performing other clinical tasks.
Credit Situation
Etienne: 455
Lydia: 550
In late 2023, the couple decided to buy a duplex as an investment property, just as interest rates started to sky-rocket.
They planned to rent both units but could not find good tenants to cover the costs. For months, they carried nearly $7,000 a month in combined housing costs until the weight became unsustainable.
Etienne entered a consumer proposal. He put it entirely under his own name to protect Lydia's credit. Shielding his spouse, and got to work.
The proposal was designed to run five years. In less than one year, the couple paid down more than half of it. They have written plan to clear the remainder within 18 months. A money coach and mortgage agent are already in place to get them bank-ready by 2030.
If you can help this family..
You collect $831 a month for four years while Etienne and Lydia take care of it. They are bringing $25,000 non-refundable to the table. And if Cornwall starter homes rise by 2030, you benefit from the upside too.
We have done the hard part. We just need the right investor to say yes.
Click "I Want this Deal" before someone else does.
What are the numbers?
Deal Summary
Term: 4 years
Purcahse Price: $549,000
Future Owner Downpayment $25,000
Monthly Payment
Monthly Payment: $3,649
Condo Fee: $0
Estimated Cash/Heloc
Estimated Investment including all expenses: $109,
Estimated Returns based on 5% total appreciation: $83,006
Estimated Returns based on 10% total appreciation: $104,966
Monthly Cash Flow $831
Why Invest in Cornwall?
Cash Flow is Optimized
Cornwall is one of the few Ontario markets where the numbers still make sense.
Purchase prices are significantly lower than GTA or even secondary markets.
Rents have been steadily rising.
Easier to find properties that carry themselves.
Strong Rental Base + Tenant Base
Local workforce + government + manufacturing jobs. 54,000 population.
Tenants priced out of Ottawa are moving further out.
Lower turnover compared to more transient markets.
👉 This creates stable, long-term tenants, not constant vacancy risk.
Positioned for Appreciative Growth
Cornwall isn’t flashy—and that’s the opportunity.
Still early compared to markets that already ran up over the last 5 years.
Infrastructure and migration trends support growth.
👉 You’re buying before the crowd, not after.
With a full life ahead of you, the road isn't always clear but Clover Properties and Ownable plus you can help.
We built Ownable because we believe strong families deserve a real path to homeownership, even when the traditional system says “not yet.” Our mission is to help responsible, hard-working future owners move forward with structure, support, and a clear exit plan. By carefully qualifying great future owner profiles, we’re able to bring high-quality, well-vetted opportunities to the table. And none of it happens without our investor network, we genuinely appreciate the role you play in helping these families step into stability, security, and a place to call their own.
| Investor Down Payment to Lender (20% of $549,000) | $109,800 |
| Future Owner Down Payment (credited to investor on closing) | – $25,000 |
| Net Investor Down PaymentActual investor capital tied up in this deal | $84,800 |
| Land Transfer Tax | $7,455 |
| Legal Costs & Disbursements | $2,500 |
| Lender Appraisal | $700 |
| Title Insurance | $400 |
| Clover Properties Broker Fee | $14,000 |
Note: Land transfer tax is estimated. Legal costs, lender appraisal and title insurance are also estimates and may vary.
RTO 2.0 protects your capital because your cashflow profit and mortgage paydown profits are locked-in from day one. They don't move with the market. That means even in a completely flat market, you can be earning a double-digit return on your capital before appreciation is factored in at all. At the end of your 48-month term, an independent third-party appraisal determines the property's fair market value. That is your exit price. Your capital gain is not projected or capped — so you are positioned to participate in the growth.
Start with the 0% flat market column — that's your floor. Your locked-in cashflow and mortgage paydown profit already deliver a double-digit return with zero appreciation. Every column to the right shows what happens as Ontario values recover. The appreciation row is the only number that changes — everything else is guaranteed from day one. This is how RTO 2.0 puts a hard floor under your capital while leaving the ceiling wide open.
| Description | 0% Flat | 3% Growth | 5% Growth | 10% Growth | 15% Growth |
|---|---|---|---|---|---|
| Estimated Sale Price at Exit | $549,000 | $565,470 | $576,450 | $603,900 | $631,350 |
| Cashflow Profit (locked-in) | $39,865 | $39,865 | $39,865 | $39,865 | $39,865 |
| Mortgage Paydown Profit (locked-in) | $24,681 | $24,681 | $24,681 | $24,681 | $24,681 |
| Capital Gain — Appreciation (variable) | $0 | $13,176 | $21,960 | $43,920 | $65,880 |
| Remaining Mortgage Balance | ($408,349) | ($408,349) | ($408,349) | ($408,349) | ($408,349) |
| Repayment of Investor Capital Deployed | ($109,855) | ($109,855) | ($109,855) | ($109,855) | ($109,855) |
| Legal Closing CostsInvestor's lawyer — closing & title | ($1,500) | ($1,500) | ($1,500) | ($1,500) | ($1,500) |
| Clover Disposition & Management FeeManaging closing logistics — no agent involved | ($2,000) | ($2,000) | ($2,000) | ($2,000) | ($2,000) |
| Future Owner Credits at ExitInitial down payment + FO equity share of paydown & appreciation | ($31,170) | ($34,464) | ($36,660) | ($42,150) | ($47,640) |
| Total Estimated Profit | $61,046 | $74,222 | $83,006 | $104,966 | $126,926 |
| Total Annualized ROI over 48 monthsTotal Profit ÷ Capital Deployed ÷ 4 yrs | 13.9% | 16.9% | 18.9% | 23.9% | 28.9% |
| Annual ROI (annualised)(1 + Total ROI)^(1/4 yr) − 1 | 11.7% | 13.8% | 15.1% | 18.3% | 21.2% |
