Rent-to-own, modelled honestly

Model a rent-to-own deal in minutes.

Rent-to-own offers property owners more cash flow than a traditional rental, while giving tenant-buyers a real path to homeownership. We’re not a brokerage, and we take no commission.

Watch: How the calculator works (13:49)

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Enter the property’s current value to continue.
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Enter the current monthly rent to continue.

Need more control? Use the full calculator

Let's start with what the property costs you to hold. We'll subtract these from your rent-to-own income to show your true monthly cash flow — so the more accurate these numbers, the more realistic your earnings projection. Estimates are fine; you can refine them later.

Debt Service

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Expenses

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This is where you define the deal. The option price locks in today's sale price for the tenant-buyer, while the monthly and upfront option fees build their down payment over the lease term — and generate extra cash flow for you along the way.

Option Terms

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Renewal Terms

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These details make your listing searchable on the marketplace. Tenant-buyers filter by location, size, and property type, so complete info helps the right buyers find your property faster.

Address

Country
Sets the province or state list and the rules the numbers use. Changing it keeps what you have entered.

Property Details

Use the full calculator

Snapshot

Complete the form, then click Calculate to see projected earnings.

Final Sale Price
Avg. Monthly Cash Flow
Est. Total Net Earnings
Tenant's Down Payment
Down Payment %
Inflation Settings | Closing Costs

Watch

How the calculator works

Modeling a deal in a few minutes. — A step-by-step tutorial of the rent-to-own calculator.

13:49 · Watch on YouTube

Deal advisory

Already have a tenant?

If you and your tenant have already agreed in principle, the hard part is the structure — what the option fee should be, what accumulates each month, and whether the numbers actually work for both of you.

We model it from both sides, check it holds up, and put together your Deal Package: a term sheet and the analysis behind every number, ready for your lawyer.

Book a free consultation

A 30-minute call, no cost and no obligation. If the deal isn’t viable we’ll tell you.

Purchase scheduler
Part of a Purchase Scheduler report, plotting the purchase price and the buyer's accumulated credit month by month against the 20% threshold.
Seller analysis
Page one of a Rent-to-Sell analysis, charting cash flow and net proceeds across the term.
Buyer analysis
Page one of a Rent-to-Own analysis, charting how the buyer's down payment accumulates year by year.

The marketplace

Or find the other side of the deal.

Need to find a tenant?

List the property and let tenant-buyers come to you. Your first listing is free with a new account.

List your property

Looking for a home to buy?

Post what you’re after — city, budget, timeline — and owners with a matching property can reach you directly. Free to post.

Post what you want

The Bridge to Homeownership — Tenant-Buyer's Edition

Free e-book

The Bridge to Homeownership

A guide to the Progressive Rent-to-Own System — Tenant-Buyer's Edition. How to get mortgage approval in Canada and the USA.

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