Expert Guidance for Every Stage of Rent-to-Own

Whether you're structuring your first deal or searching for the right home, we'll help you get it right.

Deal Advisory

For sellers, buyers, and agents who already have a deal in mind. We model the rent-to-own structure, check it’s viable, and put together the RTOCalc Deal Package: a term sheet and the analysis behind every number, ready for your lawyer.

Free 30-minute consultation
Side-by-side scenario modelling
The RTOCalc Deal Package, ready for your lawyer

Start a Deal Advisory request

Pathway to Homeownership

For tenant-buyers who want to rent-to-own a home but need an investor. We match you with a vetted investor who acquires the property on your behalf — no fees to you.

Connected to a licensed mortgage broker
Investor matched to your property
Currently available in Canada

Start a Pathway application

Why RTOCalc

RTOCalc was born from a vision to build a structured, transparent approach to rent-to-own — and is now realized as a full suite of tools used by buyers, sellers, and professionals across Canada to model deals with complete visibility into the numbers.

We're not a brokerage. We don't sell homes. We don't take commissions. We built the tools and the system — and now we help people use them.

Purpose-Built

The Progressive RTO model, refined and built into real tools

100% Transparent

Every calculation is visible to all parties

No Hidden Fees

Pathway applicants are never charged

Aligned Incentives

We only succeed when the deal works

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.