Invest Your Money In Real Estate

Ioffersolutions Real Estate Service Inc.

 

“An Ideal Investment Alternative that
just makes better Dollars and Sense!”

The super rich don’t just settle for measly returns on the money market – should you?

If you have been looking for a secure, solid investment that provides huge returns passively, then you just stumbled upon the most profitable investment opportunity of the year.

You must be seeking that “picture perfect” investment that

• Is secure
• Gives a solid return on investment passively
• Has a low risk

What common investment choices do you have?

Most investment advisors recommend spreading your investment to maximize returns and lower any risks.

You can invest in stocks and mutual funds that offer a high return, but they have high risk.

You can try investments like bonds and CD’s which have lower returns but much lower risk. In today’s market, you could end up losing money by investing on CDs after inflation!

Or you could gamble in the stock market – but you never know which direction the stock prices will be heading next – it seems every other day there is always another reason for prices to plunge even further – accounting scandals, oil price fears, or even plain old greed.

What a choice of some decent investments!

But there is a better way to invest – Real Estate Secured Investments

If you are looking for a hands-off investment, with rates of return higher than those normally found in fixed rate investments, and want less volatility than stock investments, our Investment Partner Program is for you!
We offer several investment programs secured by real estate, all of which have higher returns than many other fixed rate investments, and less risk than stocks. These investments are an excellent way to further diversify your portfolio to increase your overall return and further reduce risk.

If things go well, you get your money back, plus a very attractive interest rate.

If for some unlikely reason the things don’t go well and the borrower cannot pay as promised, your investment is more than covered by the value of that property.

Secured Loans Are No Longer Just For Banks

Banks don’t usually take risks, do they?

That’s because when they invest in real estate, their investment is secure – they charge a healthy interest rate, with the house as collateral. If you don’t pay, they take the house!

Not a bad deal, but this gets better!

• Unlike the banks, we do not invest on a piece of property unless there is a healthy chunk of equity in it. We rarely go beyond 80% of the value of the property to acquire it.
• You will get a better interest rate than the banks can charge, and a substantial collateral securing your loan.

Why doesn’t Wall Street talk about this opportunity?

Simple:

They don’t get their fat commissions from these types of investments – so they don’t want people to know they exist. They would rather draw your focus on investments that will make them money, not the ones that make YOU the most money.

How do we work?

In many cases, owners of distressed properties need to sell fast. For example, they may be going through foreclosure, divorce, bankruptcy, inherited property they cannot manage, and so on.

As a result, they may not be willing or able to hire a real estate agent to sell their house but need to dispose the property quickly.

We offer a variety of solutions to these sellers which may include an all cash offer that allows us to fix up the property and sell it at a profit. As an investor in such a venture, you will earn a sizeable return on your investment in the short term.

We may also provide cash to reinstate or cure defaults on loans and liens or allow a seller to move out. In exchange, the seller will retain the existing financing on the property, and share a certain amount of equity in the property.

We will then locate a buyer, such as on a “lease to own” program, who will bring an up-front cash contribution, and begin to make monthly payments.

This buyer is responsible for payments, upkeep and maintenance of the property while receiving the tax and other ownership benefits.

At the end of the agreement term, buyer will refinance the property at market value.

You as a cash investor will then receive a portion of the equity as a return for your investment.

Why do we ask you to invest your money?

To be honest, we find more good real estate opportunities than even we can invest in. That’s why we use a large network of individual investors, banks, mortgage companies and hard money lenders to participate along with us. The more investors we can attract, the more money we can all make!

Steps in Locating And Securing an Investment

1. We locate distressed property
2. We conduct a thorough analysis, including a lien and title search, property inspections, and verification of all financial information
3. We process qualifying property to determine potential return for us and our investors
4. We present our proposal to our investors along with a Return Worksheet
5. Once investor agrees to fund the transaction, all legal documentation is prepared
6. Investor wires funds directly to closing title company / attorney
7. Liens on the property are cleared, loans reinstated, and the transaction is closed
8. We service the transaction. Investor collects monthly cash flow if transaction is a longer-term investment.
9. At the end of the agreement period (few weeks in short-term investments such as “buy, fix and sell” to few years in longer-term investments), a lump-sum payment of returns is made to the investor, as per the Return Worksheet

When your property enters Our Rent To Own Program

Ioffersolutions Real Estate Service Inc.

 When your property enters Our Rent To Own Program

When your property enters our Rent to Own Program:

1. Ioffersolutions Real Estate Services Inc. will lease your property with the option to purchase the property at any time prior to or on the lease expiry date.
2. Ioffersolutions Real Estate Services Inc. will GUARANTEE a rent payment for the length of the term, to be paid on the 15th of every month,.
3. Ioffersolutions Real Estate Services Inc.’s Rent-To-Own program allows our Tenant Buyers to rent your property with the Option of purchasing it at the end of a specified term, for a pre-determined sale price. It is our goal to help them become home owners.
4. Ioffersolutions Real Estate Services Inc. goes through extensive measures to place only quality tenants in your property. We review our client’s credit bureau and employment history. We also request personal references as well as a criminal record check. It has been our experience that our clients, who are in fact “future potential new home owners”, will typically treat your property better than a regular tenant. They understand that the property will be theirs to purchase at the end of the lease’s term.
5. Ioffersolutions Real Estate Services Inc. makes it mandatory for the Tenant Buyers to work with our associated mortgage brokers and financial planners during the term of the lease to ensure they are on the right track to future home ownership.
6. Ioffersolutions Real Estate Services Inc. will handle all management responsibilities as well as all property repairs up to $500 per instance to a maximum of $2500 per year.
7. Ioffersolutions Real Estate Services Inc. will also:
• Provide interior insurance
• Cover rental income losses as a result of tenant vacancy(s)
• Close quickly on a pre-agreed price
• Assume all closing costs at the end
• Complete full home inspection and provide you a copy (optional, depending on the property age and condition)
8. In completing a Rent-To-Own opportunity with Ioffersolutions Real Estate Services Inc. You can now feel at ease knowing that you will be relieved of all selling stresses and costs.
9. Your responsibilities will be to pay your mortgage, property taxes, insurance, any condo fees or association fees.
10. Finally and perhaps most importantly, you can now rest assured that your rental income is guaranteed, month after month, without having to be concerned with any of your regular landlord responsibilities.

Mentorship

Ioffersolutions Real Estate Service Inc.

Mentorship

THE 8 WEEK ‘TAKE ACTION’ QUICK START MENTORSHIP PROGRAM

Designed to educate and get you TAKING ACTION in the 4 Exit Strategies

• Buy/Rent/Hold – How to analyze the deal to weather any real estate storm; correct use of leverage; making offers; contracts
• Buy/Fix/Sell – How to analyze the deal correctly; how to finance the deals;
• Wholesale – How to located, analyze and sell deals.
• Lease Option – How to structure the Rent to Own, how to locate properties, how to locate tenant buyers

—Each week there will be home work which will be real deals or opportunities.

Example:

• We will be calling home owners to see if they will rent to own their property.
• Phone and Qualify Tenant buyers
• Negotiating on properties to get them under contract for wholesale
• Trying to help people who are going into foreclosure
• Finding good properties to hold, negotiate on the property and try to get under contract
• Finding Fixer Upper properties to negotiate on and try to get under contract
• Power of Networking –
• Creating and meeting power team members

Each Week I will have leads for us to work on in class, however each one of you will be generating and finding your own opportunities!

• May or may not run 8 consecutive weeks
• Attend 1 night per week
• Only 8 spaces available for each time slot.
• Unlimited access outside Class time
• Use of a Shared Office in our office

Class Time: 20 hours
Home work time: 5-10 hours per week
Financial Investment: $2997 + GST per person

Email us at info@ioffersolutions.com or Call us now at 1-866-409-0902

Common Questions For Real Estate Cash Investors

Ioffersolutions Real Estate Service Inc.

Common Questions For Real Estate Cash Investors

Q: Do I Need a Lot of Money to Invest?
No!
You can lend as little as or as much as you want. The amount of the loan and time period will factor into your return on investment.
Sometimes, you may want to start out small with short-term loans until you get comfortable with these investments.
In most cases, more opportunities and more favorable terms will be available to those with larger amounts to loan.

Q: Can I Send You A Check Today?
No!
You only send money to close the deal when we have a deal that fits your budget.
In any case, most of the times, you will wire the money directly to the title company or real estate attorney.

Q: Who Handles All The Paperwork?
Unless you are a highly skilled investor in real estate matters, we will handle all paperwork and details of each transaction and pay any expenses.
This is done by a real estate attorney or title company.
You begin to earn interest on the full amount of your funds as soon as they are received. Our goal is to ensure this entire process is hassle-free for you.

Q: Isn’t This Too Risky?
Knives are risky, aren’t they? But only when you do not use them properly.
We do not make speculative investments; instead, we focus on making standard, bank-like loans on properties with equity.
The property is the security for the loan.
Make no mistake – investing has risks, but the trick is in how you choose your investments and their safety net (collateral).
This is our expertise.
For example, your investment will most likely adhere to these rules:

• It will not surpass the 80% Loan To Value
• You will get a mortgagee title insurance policy
• You will get an insurance policy on the property
• The loan will be closed by professionals

Q: What Kind of Documents Will I Receive?
Typically you will get:

• An original promissory note specifying the terms agreed upon
• A copy of the mortgage. The original will be recorded and then mailed to you
• A fire insurance endorsement naming you as mortgagee
• A title insurance policy for the amount of your loan insuring you against any title defects

Q: How Do You Determine My Interest?
The interest rate depends on many factors, including but not limited to, the risk involved, the amount of funds loaned, the time period, ability to fund quickly, etc.

Q: How Do I Receive Payments?
You will receive your payments as we agree – monthly, or as a lump-sum (your loan amount plus interest).

Q: How Long Will I Be Investing My Money?
The term of the investment will depend on the deal.
It can be as short as six months, or several years.
It’s your money and it’s your choice. Short-term loans are typically interest only with full principal repayment at the time the loan is paid off.
Long-term loans may have amortizing payments (part principal and interest in each payment) and may have balloon payments, depending on your requirements and the investment.

Q: What If I Need My Money Now?
You should only invest an amount of money that you can comfortably leave in the investment for the term of the loan.
For example, your loan may be used to buy and fix a property, then sell it. Until it’s sold, your money will not be available, except interest payments.
Unlike in the money market, you cannot withdraw your investment at a moment’s notice.
Of course, you get a much higher return than you can get in the money market.
On the other hand, Promissory Notes secured by mortgages are purchased every day like stocks. We can assist you to sell the note if necessary.

Q: How Many Properties Do I Invest In?
Each investment will be treated separately as it comes.
Your limit is your choice. If you decide you like this form of investing, there’s nothing to stop you from making multiple investments.

Q: How Do I Setup My Retirement Accounts to Make Loans?
In order to use a retirement account for making loans, it must be administered by a “Third Party
Administrator” (TPA) that allows real estate investments through a self-directed IRA.
Very few retirement account administrators, including those who do have self-directed plans, will allow you to make real estate investments.

If you would like to get setup, please contact our office and we will provide you the names and numbers of TPA’s that specialize in this field.
Once your account is established, all you do is sign papers to direct your TPA to make the investment for you.
Typically, there should not be any additional costs to you beyond your regular plan administration costs. Some TPA’s will even collect the monthly payments for you and deposit them into your account. How’s that for hassle-free?

Q: How Do I Get Started?
Just fill the form below and we will promptly get in touch with you.

Return On Investment For Private Mortgage Investors

 Ioffersolutions Real Estate Service Inc.

 Your Goal Is Good Returns
How Much Is The Risk? 

First off, we have to be clear on one thing – no investment is risk free. You will not even find them in a government investment.

Treasury bonds and other government investments are one of the safest investments, but still come with a degree of risk. They provide a rate of return that does not even keep up with inflation. Of course, there are no “no-risk” guarantees in real estate either. Your goal should be a solid return for a low risk.

What happens if the investor does not stay current on interest payments?

You have a collateral (property) that is well more than the value of your loan. In worst case scenario where the property has to be foreclosed, it will pay off your loan and pay you a substantial amount of equity in addition.

How do I know I can trust you?

You don’t; nobody does in any investment.

The good thing is everything is completely transparent in this program. You will have full facts about

• The market value of the property
• Estimated repairs, if any
• Proposed use of loan proceeds
• Interest payments to you
• How the profit / equity will be divided

In other words, you get so well educated on the deal that you are unlikely to have just “a leap of faith”.
Compare this to investing in a mutual fund; you only have a vague idea where your money will be invested.

Is this investment for me?

Consider the following points carefully.

• There are no “Instant Riches”

While we are always working for a generous return with a low risk, we do not promise instant riches

• Risk is not an option

Your investment is covered with a collateral that is higher than your investment.

Should you be forced to take the property to cover your investment, you now may potentially receive much more than your investment back.

But as with any investment, that is not to say it has zero risk.

The bad news is you may have to wait through a market cycle before you receive it back.

If risk is not an option for you, then any type of investment may not be for you, including real estate.

• You are in a cash crunch

If you need your money pretty soon to put your kid in college next fall, don’t invest it. You may not get it back in time.

The longer you can have your money invested and working for you, typically the higher returns you can generate.

• You are a first timer

It’s typical to be more nervous if you have never invested before. You must weigh the risk and possible returns before investing.

If you are nervous, and prefer daily updates like stocks in the daily news, private investing is not for you.

• You already invest

If you already investment in other types of investments, then private lending in real estate is definitely worth looking into.

As you create more diversity rather that having all your eggs in one basket, you will find you get a better return on your investment in real estate, with more peace of mind.

Advantages and Disadvantages of Rent to Own

 Ioffersolutions Real Estate Service Inc.

Advantages and Disadvantages of Rent to Own

For many people, a home will be the biggest purchase they ever make. Both buyers and sellers should carefully weigh their options before agreeing to any binding contract
Let’s look at some of the advantages and disadvantages for buyers in a Rent to Own.

Advantages and Disadvantages for the Tenant Buyers

• Buyers have time to build income and repair their credit history as they rent the house.

• Depending on the agreement, renters can walk away if they find something seriously wrong with the house. Although the renter will lose the option fee and all of their rent credit money, that amount will be much less than if the renter had bought the house outright and then tried to leave it later.

• If the buyer hasn’t taken the necessary steps to fix their credit issues and can’t qualify for the mortgage at the end of the term they lose their option fee and their rent credit money.

• Buyers still have to pay the upfront option fee. It’s usually a percentage of the agreed-upon selling price of the home and is often thousands of dollars. Although this money will go to the down payment should the renter decide to buy the house, it can still be difficult to accumulate that much money before renting.

• If the buyer is just one day late on a month’s rent payment, most agreements void the rent credit for that month. Think about the previous example, where the three-year renter received a $400 rent credit each month. If the renter were late just three times each year, at the end of the lease period the renter would have $3,600 less for the down payment. Rent-to-own leasers must pay on time, every time.

• All of those repairs that used to be somebody else’s problem in a rented apartment often become the responsibility of the new buyer, even during the rental period. Whether it means climbing on a ladder to unclog the gutters or having to pay for a new washing machine when the original washer breaks, the renter has to take care of it.

• It is easier to qualify then through traditional lending institutions.

• Your final purchase price is GUARANTEED in advance.

• You are free to do any renovations, which can increase the value of the home without increasing your purchase price.

Prior to entering into any agreement it is important to know the advantages and disadvantages as well as your risks.  If you are serious about home ownership and are willing to make the necessary efforts to qualifying for the home at the end of the term then the risks and disadvantages are far outweighed by the advantages of a well set up Rent to Own program.

Rent to Own Tenant Buyer path to succes

Ioffersolutions Real Estate Service Inc.

Rent to Own Tenant Buyer 

PATH TO SUCCESS

 

 

On helping people who are in trouble, It is important for us to create a win-win situation When it comes to Rent to Owns’ it is important to partner yourself with a company that has a system in place designed to set you up for success from the very beginning.   At ioffersolutions Real Estate Services Inc. we pride ourselves on our processes, procedures and the businesses we have partnered with to ensure each family coming through our program has all the tools, resources and support to succeed from day one!

Everything starts with the initial phone call, response to an internet ad, visiting one of our Rent to Own homes or filling in one of the forms on our website.  When you initiate contact with us we aim to follow up with you within 24-48 hours, depending on the day of the week.  During our call or email we gather some basic information about your situation, what kind of home you are looking for, what area you wish to live in and what your budget is for your new home.  Just like a mortgage broker it is important for us to have a general idea how much you make per year so we can manage your expectations.  There are so many people who contact us making $30,000-$40,000 per year, with a monthly budget under $1000 per month everything included and want a $400,000 home.  That just isn’t realistic and we do our best to manage your expectations. 

Once we have gathered some of the basic information and answered your questions regarding the Rent to Own program we then forward you a copy of our application.  At this point nothing happens until we receive the completed application from you.  When that happens we forward the application to our mortgage broker and credit coaches for their review.  The mortgage broker will let us know the maximum monthly mortgage payment, as well as the maximum purchase price of a home you would qualify for based on your income and expense levels today.   The mortgage broker also gives us a rough idea how long it would take, given your current credit situation, for you to qualify for a mortgage. 

After the credit coach has received your application you can expect to get a call wanting to set up a meeting with you to discuss your current credit situation.  It is MANDATORY for all our Rent to Own clients to meet with the credit coach and work with them during the term of the Rent to Own.   During the meeting the credit coach will evaluate your current situation, assess what can be done with your current debt if there is any, what needs to be done to fix, raise or create credit and determine the time frame required to get you where you are today to where you need to be in order for the mortgage broker to get your a mortgage.  The coaches then set out a step by step instruction plan that will get your credit score to the point where our mortgage broker can get your qualified.  The coaches then schedule meetings with you on a quarterly basis to review what you were supposed to do and what you accomplished. 

Upon completing your initial meeting with the credit coaches and having your information reviewed by the mortgage broker we now know the maximum home value, what your maximum monthly payment  can be and how long it will take before you will qualify with a bank. With this information and your commitment to meet with the credit coaches quarterly we can put you into one of our rent to own homes knowing we have done everything possible to ensure you are on the path to Rent to Own Success!!

Rent to Own Program Details

Ioffersolutions Real Estate Service Inc.

 Rent to Own Program Details

Edmonton Rent-to-Own a Home Program Details

 

Our Edmonton Rent-to-Own a Home Program allows you to get into one of our Edmonton Rent to Own Homes even if you have bad credit or no credit. With our Edmonton Rent-to-Own a Home Program you don’t have to meet the typical qualifications required by conventional lending institutions! Our Edmonton Rent-to-Own a Home Program is specifically designed to assist Canadians experiencing difficulty in obtaining conventional financing. 

With our Edmonton Rent-to-Own a Home Program, you are considered the owner the day you move in; there are no more landlords telling you what you can and cannot do. You have the right to renovate and improve your property just as any other owner.

How do I know if the Rent-to-own a Home Program is for me?

Are you having a hard time or can’t qualify for a mortgage? Good credit, bad credit, ugly credit or no credit? Are you self employed? Filed for bankruptcy, gone through a divorce, have very little down payment, just relocated from another province or country? No Problem!

If you can afford a reasonable monthly payment, you can easily qualify for one of our Rent to Own a Home Programs. With all of our Rent-to-own a Home Programs, there is No Bank Qualifying Required! 

Whether you are rebuilding your existing credit or establishing new credit, we can Help! Conventional mortgages are restrictive and are only available to those who fit traditional criteria. At ioffersolutions Real Estate Services Inc., we do things differently because we truly understand that life’s circumstances should not prevent you from realizing your dream of home ownership!

WHAT SEPARATES IOFFERSOLUTIONS REAL ESTATE SERVICES INC. FROM THE COMPETITION. 

There are FOUR things that really separates ioffersolutions Real Estate Services Inc. from everyone else doing Rent to Owns. 

First, we set you up for success right from the very beginning. We do this by having your application reviewed by our mortgage broker right at the very beginning of the process to determine, if you could qualify today, how much you would be able to qualify for with respect to a purchase price. Based on that information we will not put you into a home we know you can’t afford when your term comes due. 

Secondly, before we even think about getting you into a home you must sit down and meet with our credit coaches at their office. They are going to review all your current information, credit report, situation etc and get a very accurate picture of where you sit today credit wise, what needs to be done to your credit so you can qualify for a home and how long it is going to take to get you there. From this information we can then set you into a program that has the appropriate amount of time for you to get qualified. We will never put you into a 1 year Rent to Own when we know it is going to take you 3 years to qualify for a mortgage. 

It doesn’t stop there! It is mandatory for you to meet with the credit coaches every single month of the Rent to Own as they have laid out an action plan to assist you to getting control of your credit and financially educating you about credit and the use of credit. They ensure you are doing everything you need to be doing and holding you accountable to the plan they have set in place for you. 

Thirdly, as a group, the ioffersolutions Real Estate Services Inc team, our Strategic Mortgage Broker Partners and our Strategic Credit Coaches meet every 3 months to discuss each and every one of our clients progress to ensure they are truly on the track to success. 

Fourth and finally is our presence in the community. We have a very nice office located at #314, 8944 182 Street, Edmonton where we operate our business each and every day. The majority of people trying to do Rent to Owns are individual investors who may or may not have the processes and procedures in place for you to succeed. Let’s be honest here, there are many people out there trying to do Rent to Owns just to take hard working people’s money without any care if they every succeed. That isn’t what we are about. Our company is here for the long term; we have set roots in the community by investing in a long term lease of our office and treat our operation as a business. Our reputation is everything to us and we are here to truly help each and every one that has the desire to be a home owner but just not the credit to make it happen.

We are not realtors but a group of real estate investors who focus on helping people who are in trouble. It is important for us to create a win-win situation where you get into a house, rebuild your credit and have a place called HOME!

Buying Houses Frequently Asked Questions

 Ioffersolutions Real Estate Service Inc.

Buying Homes

 Frequently Asked Questions

Q Are you real estate agents?
A No. We are investors.
Real estate agents “list” properties and charge you a commission to sell it. There are no guarantees, if, when and how much they will sell your property. On average, it can take months to sell your property. Some take over a year! This uncertainty can cause you great stress and anxiety – you only get your check after your property sells. You do not even know how much your check will be until that time.
We do not “list” your property, we buy it. We do not charge you any fees or commissions. We can make you a fast cash offer in as little as 48 hours and ensure a fast, hassle-free, stress-free sale!

Q Will you pay retail value for my property?
A First, the amount a real estate agent tells you is the value of your property may not be what you will put in your pocket. Commissions to the agent can even be as much as 7 percent. Your closing costs can be as much as 3 percent.
Second, you might be required to do a number of repairs to satisfy the buyer if you list it with an agent. These repairs could cost thousands of dollars.

Third, you may be making loan payments which may amount to thousands of dollars as you wait for it to sell. Not forgeting the cost of your money tied up in the property, which could be making you money, somewhere else.
Bottom Line: The amount your real estate agent tells you your house is worth could be thousands of dollars less than you put in your pocket by the time your agent sells it; figures in your holding costs, repair costs, commissions, selling costs etc. etc.

We will make you a fair offer once we assess your situation and see your property. Our commitment is to make make this a fast, stress-free and happy experience.

Q I am facing foreclosure. How can you help me?
A As professional real estate investors, we know how to contact your lender or mortgage company and discuss alternatives to having your house go into foreclosure (and ruin your credit for years).

Q What if I lose my house in foreclosure?
A This record will stay in your credit report for at least 7 years, ruining your chances of getting credit when you need it. Creditors believe if you could not pay for your house, why would you pay them?

Q How quickly can you buy my house?
A In many cases, we can pay you a discounted price for your home in CASH and close quickly.

Q My house is in need of repairs. Can you still buy it?
A Yes, we can purchase your house in its present condition and handle all of the repairs ourselves.

Q Do have an all-in-one home buying solution?
A No, we deal with each situation on a case-by-case basis. We have no canned solution. We will analyze your situation and work with you for an easy custom solution for you.

Q I have no money. What about closing costs?
A In most cases, we can handle all of the closing costs.

Q What will you charge me in fees and commissions? 
A We do not charge any fees or commissions. We are not real estate agents.

Rent to Own home Frequently Asked Questions

Ioffersolutions Real Estate Service Inc.

 

 Rent to Own FAQ’s

 

How does rent to own work?

It’s like buying a house because there is a down payment involved, but no qualifying, and then it’s like renting because you have a set rent payment for a set term. You get to live like a home owner while you have the time to qualify for mortgage financing.

Do I have to qualify?

No – we begin the process of getting you mortgage ready while you begin to build your credit and your down payment with our help.

Do I have to have good credit?

Less than perfect credit is OK! Our program gives you time to improve your credit rating and get mortgage ready while living in your home like a homeowner.

How much is the down payment?

The down payment depends on the property you choose to live in and your ability to pay. Don’t have the money right now? We have many programs and ways for you to still qualify and begin living like a homeowner today.

What if I don’t have enough down payment?

We have several suggestions, and you are not alone, this is a common problem. With the rising cost of real estate it can feel like you have been left behind. We have many suggestions to help you get the initial down payment required and even more ways to help you accumulate the balance of the down payment you will require when you purchase the home. Let our consultants help you with the many creative suggestions and ways we offer.

How much of my rent payment goes towards the mortgage?

When you are making typical mortgage payments with a typical lender a very small amount of your payment goes to paying down the principle – it almost all goes to interest. Whey you are paying rent – it all goes to the Landlord. With our Rent to Own Program, a significant portion of your monthly lease and option payment goes toward your down payment when you purchase your home.

What is the purchase price?

Your purchase price will be at or possibly below fair market value at the time you purchase your home. Your end price is set today and guaranteed with the rent to own contract so you will know exactly what your price will be even if prices were to escalate.

What if I change my mind about buying?

The rent toown deposit is non refundable. You would want to make sure this is the place you want to call home. We understand that circumstances change, job moves, marital status etc. With the rising price of realestate, should you opt out of your commitment you may be ale to find someone to take it over and possibly at a profit. Also keep in mind that breaking your contract with our company has far less impact on you than if you were to break your mortgage contract with the bank especially when you consider today’s high interest differential penalties.

Do I pay the taxes?

Rent to Own includes RENT and OPTION payments. There are no other fees to pay.

Can I have pets?

With our Rent to Own Program you can have pets like a homeowner. However, you must insure your pet causes no damage to the property prior to you actually purchasing the property since if you do not purchase the property for any reason you will be fully responsible for the damages.

Can I paint and decorate?

As you are living like a homeowner you can paint and decorate. Any improvements will simply add to the value of your home at the end. However, we will ask that you get all renovation plans approved prior to starting work.

Investment Opportunities

Ioffersolutions Real Estate Service Inc.

Current Investment Opportunities

Rent to Own Investment Solutions

Want to Invest in real estate but don’t want to deal with the traditional issues of rentals such as:

• Tenants and Toilets
• Vacancies
• Repairs and Maintenance
• Property Management
• Long term buy and hold

We have a great HANDS-OFF solution for you !! Currently we have several Rent-To-Own investment opportunities available

Sherry	Rick and Dorothy	Ervin & Sheila
Purchase Price			$ 235,000	$ 360,000		$ 352,000
Down Payment			$ 47,000	$ 72,000		$ 70,400
Finance Amount			$ 188,000	$ 288,000		$ 281,600
GUARANTEED RENT			$ 1,300	$ 2,000		$ 1,850
PITI (mtg, tax, insurance)			-$ 977	-$ 1,462		-$ 1,364
Net Cash Flow			$ 323	$ 538		$ 486
Term in Months			36	60		36
Income from Cash Flow			$ 11,628	$ 32,263		$ 17,502
GUARANTEED Purchase Price @ end			$ 240,000	$ 375,000		$ 359,000
Mortgage payout			-$ 179,858	-$ 265,843		-$ 269,404
Initial Investment			-$ 47,000	-$ 72,000		-$ 70,400
Profit from Sale			$ 13,142	$ 37,157		$ 19,196
Total Profit			$ 24,770	$ 69,421		$ 36,698
Cash on Cash Return			8%	9%		8%
Return On Investment per Year			17%	16%		17%

Here is what you can expect when you invest in one of our Rent to Own projects.

1. Ioffersolutions Real Estate Services Inc. will lease your property with the option to purchase the property at any time prior to or on the lease expiry date.
2. Ioffersolutions Real Estate Services Inc. will GUARANTEE a rent payment for the length of the term, to be paid on the 15th of every month,
3. Ioffersolutions Real Estate Services Inc.’s Rent-To-Own program allows our Tenant Buyers to rent your property with the Option of purchasing it at the end of a specified term, for a pre-determined sale price. It is our goal to help them become home owners.
4. Ioffersolutions Real Estate Services Inc. goes through extensive measures to place only quality tenants in your property. We review our client’s credit bureau and employment history. We also request personal references as well as a criminal record check. It has been our experience that our clients, who are in fact “future potential new home owners”, will typically treat your property better than a regular tenant. They understand that the property will be theirs to purchase at the end of the lease’s term.
5. Ioffersolutions Real Estate Services Inc. makes it mandatory for the Tenant Buyers to work with our associated mortgage brokers and financial planners during the term of the lease to ensure they are on the right track to future home ownership.
6. Ioffersolutions Real Estate Services Inc. will handle all management responsibilities as well as all property repairs up to $500 per instance to a maximum of $2500 per year.
7. Ioffersolutions Real Estate Services Inc. will also:
• Provide interior insurance
• Cover rental income losses as a result of tenant vacancy(s)
• Close quickly on a pre-agreed price
• Assume all closing costs at the end
• Complete full home inspection and provide you a copy (optional, depending on the property age and condition)
8. In completing a Rent-To-Own opportunity with Ioffersolutions Real Estate Services Inc. You can now feel at ease knowing that you will be relieved of all selling stresses and costs.
9. Your responsibilities will be to pay your mortgage, property taxes, insurance, any condo fees or association fees.
10. Finally and perhaps most importantly, you can now rest assured that your rental income is guaranteed, month after month, without having to be concerned with any of your regular landlord responsibilities.

**NOTE** All mortgage calculations are based on 3.5% amortized over 35 years.

**NOTE** The Return on Investment CAN NOT, nor is it, guaranteed by ioffersolutions Real Estate Services Inc. The company has an option to purchase the property at a GUARANTEED PRICE; however it is NOT a GUARANTEED purchase. The Return on Investment above is subject to the sale of the house at the end of the term and since the sale is NOT GUARANTEED, neither is the Return on Investment.