Helping Canadian Families Own Homes Since 2009
Clover Properties is Canada's leading rent-to-own company. We specialize in creating clear, structured pathways to homeownership for families that traditional banks overlook—newcomers building credit, entrepreneurs with non-traditional income, and hardworking Canadians ready for a fresh start.
Built From Experience, Driven by Purpose
Rachel Oliver knows what it feels like to want a place to call home. She immigrated to Canada from Ukraine at age nine, and her family rented for years while building their new life. That experience—watching her parents work tirelessly while homeownership remained just out of reach—shaped everything that came after.
After two decades in the corporate world, Rachel made a decision in 2009 that would change the trajectory of hundreds of Canadian families: she left her career to focus on real estate and, more importantly, on solving a problem she understood personally.
Alongside her husband Neil, Rachel founded Clover Properties with a simple premise—financial discipline and hard work should count for something, even when the banks say no.
Today, Clover Properties has helped nearly 1,000 families achieve homeownership across Ontario and Alberta. Rachel is recognized as Canada's "Rent-to-Own Queen" and co-author of the Amazon best-seller Rent-to-Own Essential Guide for Homebuyers. But the mission remains unchanged: create pathways, not barriers.
Meet The Founders
Rachel Oliver
Rachel Oliver is recognized as Canada's leading rent-to-own expert, known professionally as the "Rent-to-Own Queen." A multi-award-winning real estate investor and entrepreneur, Rachel has dedicated her career to helping families navigate the path to homeownership when traditional lenders can't—or won't—help.
After immigrating to Canada from Ukraine as a child and spending two decades in corporate leadership, Rachel pivoted to real estate investing in 2009. What began as a personal investment strategy evolved into Clover Properties, now Canada's most established rent-to-own company.
Rachel is the co-author of Rent-to-Own Essential Guide for Homebuyers, an Amazon best-seller, and the creator of Canada's first rent-to-own certification program for real estate agents. She is a sought-after speaker at national real estate conferences and has been featured in The Globe and Mail, CBC, CTV, Global News, and the Financial Post.
Neil Oliver
Neil Oliver serves as Managing Partner of Clover Properties and is the primary point of contact for homebuyer relations. A licensed mortgage professional since 2018, Neil combines his financial expertise with a background in business from the University of Toronto and McMaster University to bring operational excellence and genuine care to every family interaction.
Neil works directly with tenant-buyers and investors throughout the rent-to-own process, ensuring that each family receives structured support and clear communication from application through to mortgage qualification. His hands-on approach and commitment to treating every family with respect and dignity have earned him consistent praise in client testimonials.
Neil is co-author of Rent-to-Own Essential Guide for Homebuyers and an active contributor to Clover's educational content and investor relations.
A Different Kind of Real Estate Company
Most rent-to-own programs start with a property and then find someone to fill it. We do the opposite. We start with people—understanding your specific situation, your timeline, and your goals—and then help you find the right home.
People-First, Not Property-First
We qualify families before we look at properties. This means we only work with people who have a realistic, mathematical path to mortgage qualification within their program term. We'd rather tell you "not yet" than set you up to fail.
What this means for you:
Honest assessment. Clear timelines. No false promises.
Structured Support, Not Just a Contract
Rent-to-own isn't "set it and forget it." We provide ongoing coaching, credit monitoring, and accountability throughout your program. Your success is our success—and we stay involved until you hold those keys.
What this means for you:
Regular check-ins. Credit rebuilding guidance. A partner, not just a landlord.
Radical Transparency
We strongly recommend independent legal advice before you sign anything. We don't charge application fees or "sitting fees." We explain exactly how rent credits work, what happens in different scenarios, and what our role is.
What this means for you:
No hidden fees. No surprises. Contracts you actually understand.
What We Stand For
These aren't just words on a wall. They are the principles that guide every decision we make and every family we accept into our program.
Integrity
We do what's right, even when no one is watching. Every family deserves honesty about their situation—including the hard truths.
Transparency
Clear communication. Straightforward contracts. No fine print designed to confuse. We encourage you to have a lawyer review everything.
Empathy
Life happens. Divorces, job losses, health crises, immigration challenges—we've worked with families through all of it. Your circumstances don't define your worth.
No Judgment
We're not here to ask why your credit score dropped. We're here to help you rebuild it while living in your future home.
Commitment
We don't accept everyone—but the families we do accept, we're committed to for the full journey. Your success is our metric.
Featured In
"Rachel Oliver describes herself as an 'impact investor'—part of a wave of more sophisticated rent-to-own agreements that are a far cry from the handshake deals of the 1970s."— THE GLOBE AND MAIL, DECEMBER 2022
Verified & Trusted
Clover Properties maintains a physical office in Concord, Ontario, and has been BBB accredited with an A+ rating since 2017. We encourage you to verify our credentials and read our reviews before making any decisions.
Ready to Explore Your Options?
Every family's situation is different. Start with a no-obligation conversation to see if rent-to-own might be the right path for you.
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