RTO Capital Inc is a privately held Real Estate development and investment firm based in St. John’s, NL. We provide Rent to Own (RTO) options for residential and commercial existing and new construction. Built on an established track record of successful Rent to Own, new home construction and real estate development projects, we aim to be the premiere provider of Rent to Own homes in Newfoundland. We offer flexible solutions directly to clients or through our broker network to help qualified renters bridge into home ownership before they qualify for conventional bank financing. Get in touch today to find out more about our company, our projects and our program.
RENT TO OWN
Check out our Rent To Own properties.
Rent to own can get help you reach your goal of home ownership sooner rather than later! If something piques your interest, be sure to reach out or Apply as soon as possible to get the process started.
RENTALS
Looking to rent?
RTO Capital Inc. offers rentals that are sure to suit your needs and budget. If you don't see one you like, be sure to sign up for our contact list to receive our latest listings directly to your email.
Frequently Asked Questions
How does Rent-to-Own help me buy a home?
Rent-to-Own is a convenient and flexible solution for people who want to buy a home in the St. John’s area but aren’t quite ready for a mortgage. With RTO Capital, you rent your future home in St. John’s, Mount Pearl, or Paradise, with the option to purchase it later at a fixed price. During this time, you can build your credit, save for your down payment, and settle into your new neighborhood—all while working toward full homeownership.
Can I qualify for a Rent-to-Own home in Newfoundland if I have less-than-perfect credit?
Yes! RTO Capital’s Rent-to-Own program is ideal for individuals with bruised credit, self-employed income, or limited access to traditional lending. If you have a steady income, a 5% down payment, and a desire to buy a property in St. John’s, Mount Pearl, or Paradise, you likely qualify.
What are the advantages of Rent-to-Own compared to traditional renting?
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Secure a future home in St. John’s, Mount Pearl, or Paradise
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Lock in your purchase price today
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Build equity while renting
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Improve your credit score with time
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Live in your dream home while preparing to own it
How long does the Rent-to-Own process take?
The Rent-to-Own journey usually lasts between 18 and 24 months. After your application is approved, you’ll work with our team to find a home in Mount Pearl, Paradise, or St. John’s that suits your needs and budget.
Are Rent-to-Own homes in St. John’s and surrounding areas a good investment?
Absolutely. With property values rising in Newfoundland neighborhoods like Paradise and Mount Pearl, Rent-to-Own offers a smart entry point into homeownership. You build equity while renting, and your purchase price is locked in, protecting you from future market increases.
How do I apply to start Rent-to-Own in Newfoundland?
Visit our online application to start your journey toward owning a home Once submitted, our local team will guide you through each step, from approval to move-in and beyond.
