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About Us

RTO Capital Inc. is Newfoundland's Premier Provider of Rent-To-Own Homes

Welcome to RTO Capital Inc., a privately held Real Estate Financing and Investment firm based in St. John’s, NL. We provide flexible financing for residential and light commercial new construction.  Built on an established track record of successful Rent-to-Own, new home construction and real estate financing projects, we aim to be the premiere provider of Rent-to-Own financing in Newfoundland.


What We Offer

We offer flexible solutions directly to clients or through our broker network to help qualified renters bridge into home ownership before you qualify for conventional bank financing. Get in touch today to find out more about our company, our projects and our  Rent-to-Own program.


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“RTO Capital has been a life saver for my family. With their rent-to own program, I was able to take a hand made drawing of my own and turn it into the beautiful, accessible and individualized house we now call home."

- K. Costello


“The expertise and personalized service that RTO Capital Inc. delivers is second to none. They both pay close attention to the macro details and simultaneously understand the wider picture.”

 - F. Bolder

“I’m so happy I chose to work with RTO Capital Inc.. From the beginning stages to the final build, the project ran smoothly, under budget, and delivered on time. RTO Capital Inc. really brought my vision to life.”

- P. Hillman

A proven record of success

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