IN FOCUS: Mortgage Guideline changes foster great Investment Opportunities

Tightening mortgage guidelines increase investment opportunities

Dec 15, 2017
Investing in sustainable rent-to-own programs is proving to be an attractive option for real estate investors in the current market environment. Mortgage rules are tightening which is encouraging consumers to seek alternative financing solutions and investors are noticing the shift in the marketplace.

But investing with just any rent-to-own program is not a guaranteed recipe for success. Before committing to a partnership with a rent-to-own company, an investor needs to do their due diligence; they need to make sure they’re working with a firm with the reputation and experience which will help them achieve their investment objectives.

Established in 2002, HOS Financial Inc. owns Canada’s largest and most established rent-to-own brand, Home Owner Soon. “Our rent-to-own/power of sale solutions are designed to help families who have been turned away for a mortgage from their banks,” says Jeff Belanger, VP – Investor and Client Relations at HOS Financial. “These programs are also great investment opportunities for real estate investors to add high quality investments and properties to their portfolios.”

In addition to tightening mortgage guidelines, some hopeful homebuyers are not qualifying for traditional mortgage products for other reasons, such as having an insufficient down payment, damaged or bruised credit, undeclared or business for self-income, or unexpected life events that have negatively impacted their credit profile. The list of available financing options for these clients is getting shorter by the day.

“Our goal is to provide custom solutions which allow consumers to become home owners during these times of tight government lending policies,” says Belanger. “We staff our organization with specialists. The HOS Financial Inc. team is made up of mortgage brokers, real estate professionals, lawyers, accountants, IT Specialists and other business professionals who understand the ever evolving real estate market.”

HOS Financial is proud to offer fairly priced, socially conscious alternative financing solutions. The company provides the necessary support programs to help families achieve homeownership and recover from financial disaster

“Not only have we helped more deserving Canadians become homeowners than any other rent-to-own company in Canada,” Belanger says. “In 2009 HOS Financial Inc. introduced a revolutionary lease buy-back program to help Canadian families protect their homes and equity from power of sale or foreclosure.

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Established in 2002, the Home Owner Soon Rent to Own Program from HOS Financial has been recognized as the National Industry Leader for Rent to Own Investing. HOS is quickly approaching 800 Rent to Own Projects with a Real Estate value exceeding $270 million. Our Philosophy is simple and driven by two guiding principles; Exit Strategy and Balance. Visit for more information.
Our Mission is… “To be the greatest contributor to an improved financial position for both our clients and investors, all while continuing to maintain the core values of social responsibility."

SIMPLICITY, COMMITMENT and PROFESSIONALISM are the key qualities that influence our interaction with valued customers, partners and colleagues.