HOS Financial Inc. · Investor Relations · Established 2005
Canada's first, true passive rent-to-own investment service.
You supply the capital and hold title. HOS qualifies the family, coordinates the acquisition, collects the rent, manages the property, handles defaults, maintenance and legal, and executes the exit. You receive monthly cash flow payments and quarterly reports.
0+
Rent-to-own projects since 2005
0%
Of tenants successfully exiting
0 yrs
Average investor-team experience
0%
Financing available up to this LTV
Meet the team
Where profit meets purpose.
Twenty years of structuring rent-to-own in Canada, in the founder's own words: who the families are, why the model is built the way it is, and what we ask of the investors who back it.
Trusted by investors. Proven through experience.
Canada's first, true passive rent-to-own investment service.
You own the home. A vetted family occupies it and buys it at the end of the term. HOS runs everything in between and pays you monthly, with a quarterly report.
1,300+
Families assisted
Aspiring homeowners supported across Canada.
20+
Years experience
Structured pathways to homeownership since 2005.
87%
Success rate
Families reaching ownership through the HOS pathway.
36–60
Months, average journey
From application to mortgage readiness.
24%–28%
Published annual ROI band
Hypothetical returns, not a guarantee.
$400,000–$2,000,000
Opportunity size
Asset-backed residential property, coast to coast.
The problem
Most real estate looks good on paper.
The challenge is that performance is usually driven by things outside an investor's control.
- Vacancy risk
- Tenant turnover
- Market fluctuations
- Financing costs
- Property management demands
- Uncertain exit strategies
The issue isn't real estate. It's the lack of structure behind the investment.
How returns are generated
Three sources, defined at the start.
01
Positive cash flow
The model is built to generate positive monthly cash flow from the beginning of the term.
02
Mortgage paydown
Each monthly payment contributes to principal reduction and long-term equity.
03
Predefined appreciation
The future purchase price is set at the start of the agreement, so the path to equity growth is defined.
Published example · STROM-NOR
One opportunity, exactly as HOS publishes it.
A $500,000 home in London, Ontario, an employed applicant, a 3-year term.
$95,000
Net investment
What you bring to the table on this opportunity.
$892
Monthly cash flow
Paid to you every month for 36 months.
28.8%
ROI per annum
The return HOS publishes for this example.
$500,000
Purchase price
A home in London, Ontario, held for 3 years.
$18,000
Down payment
The deposit placed against the purchase.
$44,425
Closing costs
Costs recorded on closing for this opportunity.
Shape of the investment
36 months of cash flow, then one exit event.
$892 arrives every month for the length of the term, with a quarterly report alongside it.
Hypothetical illustration$892
Paid every month
36 months
Length of the term
$32,112
Cash flow across the term
Completely hands off
You own the asset. HOS does the work.
Passive means passive. Once your capital is placed, the operating burden of the property and the relationship with the family sits with HOS for the length of the term.
Rent collection
Every payment chased, received and allocated by HOS.
Property management
Day-to-day management of the asset for the whole term.
Tenant defaults
Arrears handling and remedy sit with HOS, not with you.
Maintenance
Coordinated and supervised on your behalf.
Legal
Documentation and any legal process is run by HOS.
Reporting
Monthly cash flow payments and quarterly reports.
Investor Support Reserve (ISR)
A portion of HOS's revenue on every closed opportunity funds the Investor Support Reserve, which is available to cover mechanical or legal expense arising during a term. Financing is available up to 80% LTV, and the initial deposit toward the tenant locator fee starts from $1,000.
Where the opportunities are
Live regions across the country.
Opportunities are released region by region as they are vetted.
- Ontario North
- Ontario Central
- Ontario East
- Ontario West
- Ontario South
- Nova Scotia
- Alberta
- Quebec
- Saskatchewan
Read on
Four pages, and then a conversation.
The process, the three programmes, the live opportunities and the risks are each set out in full.
Published headline figures
Hypothetical illustration- Annual ROI band
- 24%–28%
- Opportunity size
- $400,000 – $2,000,000
- Financing available to
- 80%
- Initial deposit from
- $1,000
- Cash flow across the term
- $32,112
The next conversation is a call, not a commitment.
Twenty minutes with investor relations — your capital, your timeline, the provinces you want exposure to, and a walk through a live opportunity file. Or join a webinar: Tuesdays 11:00 AM EST and Thursdays 7:00 PM EST.