We understand eliminating “ALL” risk is not realistic but our Core Values ensure we bring our investors opportunities that are financially balanced and feature a detailed strategy for Success.
Register and become one of our valued investors committed to providing affordable homeownership for all Canadians
When we talk about Safety, it is about how our Underwriting team will identify potential risks in any Opportunity and how HOS Financial acts to mitigate this risk through proper Exit Strategy Planning.
Historically delivering higher than average ROIs with great monthly cashflow
While helping consumers Purchase Homes through our Home Owner Soon Purchase model is our primary Program, HOS Financial also offers 2 other programs which feature many components of Rent To Own.
HOS Financial offers a Rescue-Refi Program. This program is designed to help families access the Equity in their home to avoid Financial Insolvency or save their home from Power of Sale or Foreclosure. When banks changed their rules back in 2008 restricting refinances to 80% of the value of the property, it left a huge void in the market for consumers who need to access this Equity but can not through Traditional Financing.
When a family experiences an unexpected life event which puts them in financial jeopardy, our Rescue Refinance Program can keep families in their home and use their existing equity to eliminate debt and stop the Power of Sale or Foreclosure process.
HOS Financial also offers Sharia financing for consumers who are forbidden to pay interest due to Religious restraints. Clients who enter this program normally bring starting Down Payments of 20-25% of the Property value and have aggressive payments as to be the outright owner of the Property by end of Term.
When an Opportunity is presented, it is our Corporate commitment that every Opportunity has been fully Underwritten for Success. Each Opportunity is presented with our Core Values of Balance and Exit Strategy.
There 5 Steps in our Opportunity Flow Process:
Step 1: Reviewing the Opportunity
Step 2: Reserving or accepting the Opportunity
Step 3: Receiving the Due Diligence
Step 4: Accepting the Opportunity
Step 5: Closing Day and beyond
Step 1: Reviewing the Opportunity
When a New Opportunity becomes available, you will be notified by email and/or Text. There will be a link in the email/text to take you to the Opportunity Summary Page.
We present Opportunities with a Summary of the Financial Terms, the tenants “story” and the Success strategy for Exit. When reviewing an Opportunity summary, you can be confident the tenant behind the opportunity has been fully interviewed, vetted and positioned for success.
NOTE: The information shown for any Opportunity do not necessarily represent the final numbers for this Opportunity. There may be negotiated changes to line items such as House Price and Appreciation. These numbers represent the Opportunity as it has been agreed to by the Future HomeOwner (Tenant)
When an Opportunity is presented, it is our Corporate commitment that every Opportunity has been fully Underwritten for Success. Each Opportunity is presented with our Core Values of Balance and Exit Strategy.
There 5 Steps in our Opportunity Flow Process:
Step 1: Reviewing the Opportunity
Step 2: Reserving or accepting the Opportunity
Step 3: Receiving the Due Diligence
Step 4: Accepting the Opportunity
Step 5: Closing Day and beyond
Step 1: Reviewing the Opportunity
When a New Opportunity becomes available, you will be notified by email and/or Text. There will be a link in the email/text to take you to the Opportunity Summary Page.
We present Opportunities with a Summary of the Financial Terms, the tenants “story” and the Success strategy for Exit. When reviewing an Opportunity summary, you can be confident the tenant behind the opportunity has been fully interviewed, vetted and positioned for success.
NOTE: The information shown for any Opportunity do not necessarily represent the final numbers for this Opportunity. There may be negotiated changes to line items such as House Price and Appreciation. These numbers represent the Opportunity as it has been agreed to by the Future HomeOwner (Tenant)
Once an Opportunity has been Reserved or Accepted, a full Due Diligence package will be provided for review.
If you have “Accepted” the opportunity, you will be the only Investor to receive the Due Diligence information. You will have 24 hours to review the information and advise if there is something in the Diligence which requires more clarification. If after review, you decide the Opportunity is not for your Portfolio, you can cancel your Acceptance of the Opportunity and will be refunded your Initial Deposit of $ 1000. The Opportunity status will be changed from Accepted to Available so other investors can Reserve or Accept.
If you have Reserved the Opportunity, it is available until an Investing Partner Accepts it for their portfolio.
Once an Opportunity has been Reserved or Accepted, a full Due Diligence package will be provided for review.
If you have “Accepted” the opportunity, you will be the only Investor to receive the Due Diligence information. You will have 24 hours to review the information and advise if there is something in the Diligence which requires more clarification. If after review, you decide the Opportunity is not for your Portfolio, you can cancel your Acceptance of the Opportunity and will be refunded your Initial Deposit of $ 1000. The Opportunity status will be changed from Accepted to Available so other investors can Reserve or Accept.
If you have Reserved the Opportunity, it is available until an Investing Partner Accepts it for their portfolio.
Once we have the keys are available to the tenants, 3 things happen:
We visit the Tenant to do a Video with the Tenant and capture their Move in Day. We will ask for their Testimonial of the experience to date and use this to promote our program to other future HomeOwners.
The Tenant will be officially enrolled in our Path to Home Ownership Program/Community.
You, the Investor, are also enrolled in our Path to Home Ownership Program/Community.
In this Community, everyone will also access a network of practicing professionals who will provide advanced Real Estate Investment Strategies and Training, Tax Strategies plus more through Live Virtual Events. (Networking Events when we are outside of the Pandemic)
Investing Partners and Tenants in our Community will be invited to the same events so we can become One community all striving toward the same goal…
”Successful Exits for all Tenants in our Program”