For Realtors
When your buyer is declined, the deal doesn't have to die. With Stepping Stone, your buyer picks their home, Rent Live Own purchases it, and you write the deal now, then earn again on the buyout when they're mortgage-ready.
Got a buyer who can't get financing? Stepping Stone lets you write the deal now and keep the client through to the buyout.
Not sure if your buyer fits? Send them anyway, we'll tell you honestly.
Why Partner With Us
A declined buyer doesn't have to be a dead deal. Stepping Stone gives you a way to still write the purchase, and keep that buyer in your pipeline.
When your buyer can't qualify, Rent Live Own purchases the home they choose, so you still represent the purchase instead of walking away empty-handed.
In 2 to 5 years your client buys the home with their own mortgage. You can represent that sale too.
Your buyer stays your client through the whole journey, start to finish.
Turn “come back when you qualify” into “let’s go find your home today.”
They shop with you, within approved parameters, the same way they would with a pre-approval.
Credit and savings coaching throughout the term, so the buyout actually happens.
This overview is general information, not legal or compliance advice. Confirm your own obligations with your brokerage and regulator.
The Process
You find the home with your buyer. We handle qualification and coaching. Your client comes back to you mortgage-ready.
They love a home, or they're ready to shop, but financing falls through. Instead of losing the deal, you bring them to Stepping Stone.
Our team confirms a realistic path to a mortgage and sets the approved parameters for their home search.
Your buyer shops with you and chooses a home within those parameters. Rent Live Own purchases it, and your buyer moves in.
Credit and savings support across the 2 to 5 year term keeps your client on track to their own mortgage.
When they're mortgage-ready, they buy the home, and you can represent that purchase too.
For Realtors
Yes. Your buyer chooses their home with you, just like any purchase, within approved parameters, similar to shopping with a pre-approval. You write the deal.
Rent Live Own purchases the home your buyer selects and holds it during the term. Your buyer moves in and buys it from us later with their own mortgage.
That's the idea. Your client stays your client. When they're ready to buy the home at the end of the term, you can represent that purchase as well.
If your buyer doesn't have a mortgage professional, we work with them to get mortgage-ready. If they came to you through a broker, that broker stays in the picture.
You're representing a client in a real estate transaction, as usual. Rent Live Own is the purchaser and the program provider. As always, confirm your obligations with your brokerage and RECO, and your client is advised to get independent legal advice.
Ontario, with Sudbury and Northern Ontario as our home base, plus select markets across Canada on a case-by-case basis. Ask us about your area.
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