HOS Financial has been helping investors make safe real estate investment choices since 2002.
Our team is made up of Mortgage Professionals, Real Estate Professionals, Investment Strategists and Experienced Business Managers. We've worked with Real Estate investors to help nearly 800 Families since the inception of the Home Owner Soon™ Rent to Own Program. We are recognized as the National Industry Leader in Lease Purchase Programs and the first Diamond Level Member with CAROP (www.carop.ca).
We are excited to be rapidly approaching 800 Rent to Own Projects with a Real Estate value exceeding $270 million. Our Philosophy is simple and driven by four guiding principles; planned exit atrategy, strong up front collateral, balance, and standardized deal vetting.
Our “Balance” Approach to every project ensures we are meeting the objectives of the Investor, to obtain Higher than Average ROIs, and balancing these returns with uncompromised appreciation and compassion for the family’s financial position and the affordability of our Home Owner Soon™ Rent to Own Program.
A successful HOS Financial program is the result of a Corporate Strategy based on strong process controls, unparalleled underwriting guidelines and credit management featuring debt remedy which helps to minimize tenant default rates. We have demonstrated, the success of our program is the result of proper evaluation of the tenant’s financial position and strategies to improve their ability to qualify for an exit mortgage at the end of a 3 to 5 year term.
Our socially conscience investors enjoy higher than average rates of return, some of the highest security deposits in the industry and impressive cash on cash ratios compared to many other investment strategies all while helping local families realize their Dream of Home Ownership.
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✔ High ROI Investments
✔ Above Industry Average Cashflow Payouts
✔ Risk Mitigated Opportunities