top of page
The Landlord Partnership Program (LPP)

Turn your dream home into a smart investment—with just 5% down.

Are you ready to invest in real estate without the hassle of tenant management, property hunting, or financial guesswork? With RTO Capital’s Landlord Partnership Program (LPP), we make it easy to step into homeownership and real estate investing—at the same time.

erik-mclean-KLh6lOElwS0-unsplash.jpg

Here’s How It Works

​

  • You apply to pre-qualify with RTO Capital  

  • You choose the house – it must be a two-apartment home.

  • We buy it for you - you must work with our real estate agent and legal team.

  • You pay only 5% down + half the legal costs.

  • You move in upstairs – your tenant lives in the basement.

  • You pay: Your mortgage + taxes + insurance + + $50/month.

  • In return, we each share 50% of the basement apartment rent.

​

     That’s it.

​

Photo by Erik Mclean on Unsplash

Photo by Erik Mclean on Unsplash

Why It Works – A Win-Win Partnership

​​

  • Easier Approval – The approval process is simpler than qualifying for a traditional bank mortgage.

  • Housing Stability – As long as you make payments and maintain the home, you have the right to stay—unlike typical rentals where landlords can change their plans.

  • Build Equity Faster – Monthly rent is based on a 20-year mortgage model (instead of 25), so equity builds more quickly over time and supported by the shared apartment rent .

  • Renewable Flexibility – Agreements renew every 2 years, giving you the ability to adjust plans as your life evolves.

  • Locked-In Purchase Price – The purchase price is set at the beginning, offering predictability and potential gains if market prices rise.

  • Benefit from Price Appreciation – Whether you buy the home or sell it to a third party, any increase in value benefits you.

  • Pride of Ownership – Knowing you’re working toward ownership encourages better upkeep and thoughtful improvements like landscaping or adding a rental suite.

  • Added Value from Improvements – In traditional rentals, improvements benefit the landlord. With Rent-to-Own, your investment adds value to your future home.

  • Guided Landlord Experience (LPP) – With the Landlord Partnership Program, you share rental income and get expert support from RTO Capital as you learn to be a landlord.

  • Wealth Building – Rent-to-Own creates a pathway to long-term financial security through home equity and appreciation.

Livingroom.jpeg
image3.jpeg

Real Results: A Quick Snapshot

​​

  • Sample purchase price: $350,000

  • Basement rent: $1,100/month (POU)

  • You pay 5% down + mortgage at competitive rates

  • As a partner, you enjoy 50% of tenant income + home appreciation

  • Over 25 years, assuming a modest 1.5% appreciation, the built-in inflation gain alone is expected to add $157,830+

  • This isn’t just ownership. It’s a real estate strategy—built for people ready to grow

. 

Photo by Erik Mclean on Unsplash

Photo by Eric Mclean from Unsplash

Why Partner With RTO Capital?

​

  • We’ve helped dozens of Newfoundland residents transition from renters to smart investors.

  • We streamline everything — from legal to leasing to mortgage referrals.

  • We share the profits with you — because we believe in the partnership.

​

​

 

erik-mclean-CCLy_uElfcE-unsplash.jpg

Photo by Erik Mclean on Unsplash

Ladysmith - 5 Dec 2017.jpg

Photo by Erik Mclean on Unsplash

Ready to Become a Landlord the Smart Way?

Don’t wait. Get your home with RTO Capital and let your home work for you.

​

Apply now to join our Landlord Partnership Program and start building wealth through real estate—secure, simple, and sustainable.

Frequently Asked Questions

What is the Landlord Partnership Program, and how does it help me buy a home in the St. John’s area?

​

The Landlord Partnership Program by RTO Capital is designed to help you become a homeowner and investor in one move. You choose a two-unit home—typically in Mount Pearl, Paradise, or St. John’s—live in one apartment, and rent out the other. We purchase the property on your behalf; you contribute 5% down plus half of the legal fees. You handle the management, and we split the rental income 50/50. It’s ideal for building equity and owning investment property in Newfoundland.

​

​

What are the costs of joining the LPP?

​

  • 5% down payment

  • Half of the legal closing costs

  • Mortgage, property taxes, and insurance (as the resident-owner)

  • $50 monthly management fee

 

In exchange, you receive guided support, rental income, and the opportunity to own property in St. John’s, Mount Pearl, or Paradise while building long-term financial security.

​

Why is RTO Capital the right choice to help me buy a home in Newfoundland?

 

RTO Capital is Newfoundland’s trusted resource for alternative homeownership paths. We offer:

  • Flexible financing for Rent-to-Own homes

  • Investment options through our Landlord Partnership Program

  • Access to homes in high-demand communities like Mount Pearl, Paradise, and St. John’s

  • Personalized support and local real estate expertise

 

If you're ready to buy a home in the St. John’s area but want a solution that fits your situation, RTO Capital helps you take that next step with confidence.

bottom of page