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What Our Clients Say
Brandy and Tom have been exceptional investment partners. As a rookie real estate investor, they have made it extremely easy to get into the game. They make it as hands on or hands off as you wish and always keep your best interests their top priority.
Ian
How Can I Buy a Home with Bad Credit in Oshawa
A strong credit score is required to qualify for a traditional mortgage, but if your credit isn’t where it needs to be, that doesn’t mean homeownership is out of reach.
At Sprout Properties, we offer a flexible rent-to-own program that can help you purchase any home listed for sale in Oshawa, regardless of your current credit situation. Our program is designed for buyers who are working on improving their finances but are ready to take the next step toward owning a home.
Contact us today to learn how we can help turn your homeownership goals into reality.
Why Rent to Own in Oshawa
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Move in now while preparing to buy – rent‑to‑own gives you immediate occupancy, allowing time to build credit and save before applying for a mortgage.
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Lock in affordability in a growing market – average home price was $781,748 in May 2025, with detached homes around $843K, townhomes ≈ $737K, condos ≈ $631K, and supply rising (~710 active listings, 3.3 months), offering more choices and negotiation space
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Build equity and credit gradually – structured payments help you deposit toward ownership instead of paying rent with no returns.
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Avoid bidding wars in a transitioning market – days on market average ~19 days, giving rent‑to‑own buyers breathing room to secure a deal thoughtfully
Oshawa is emerging as a smart rent‑to‑own market: balanced home prices under $800K, growing listings, and strong commuter access make it attractive for first-timers and families. By choosing rent‑to‑own, you can move in now, lock in a purchase price, and build equity while enjoying the city’s rich amenities, diverse economy, and quality-of-life enhancements.
Rent to Own Oshawa and Area Requirements
Minimum Household Income
$180,000
Minimum Down Payment
$32,000
*While we generally look for a minimum credit score of 500, please note that this requirement is subject to change.
Minimum Credit
500*
Do you meet the requirements for Rent-to-own in Oshawa, Ontario and area?
Our goal is to support your long-term success, not just helping you move into a home, but ensuring you’re fully prepared to qualify for a mortgage by the end of your Rent-to-Own term.
To do that, certain minimum criteria need to be in place. If you’re not quite there yet, that’s okay—it may simply mean the timing isn’t right.
You can still apply now to get connected and receive more information, and we’ll happily guide you toward your next steps so you're ready when the time is right.
Oshawa Key Features
Population & Region
A city of ~175,000 and a metro area exceeding 415,000, Oshawa anchors Durham Region about 60 km east of Toronto, home to Durham College and Ontario Tech University, and is Ontario’s sixth‑largest metro
Economy
Formerly Canada’s “Motor City” with GM headquarters, Oshawa is diversifying into education, healthcare, retail, and logistics, shaping a resilient, multi‑sector economy
Recreation & Culture
Over 130 parks and 27 km of trails along Lake Ontario, plus the iconic Oshawa Centre (230 stores), Lakeridge Health, Robert McLaughlin Gallery, Tribute Communities Centre, Parkwood Estate, and the Oshawa Museum
Downtown & Events
The downtown core fuels community engagement with festivals like Peony Festival, Kars on King, and Fiesta Week, monthly art nights, local cafes with patios, unique shops, and the Tribute Community Centre hosting hockey and concerts
Connectivity & Transit
Terminal for GO Transit (rail/bus), Durham Region Transit, and Via Rail; commuter-friendly routes to Toronto, Montreal, Ottawa; future GO extension promises even better connections
Best Areas to Buy a Rent to Own Home in Oshawa, Ontario
Taunton
A growing north-end neighbourhood, Taunton offers modern homes, great schools, and proximity to shopping and parks. It’s ideal for families looking for space and a suburban lifestyle with easy access to amenities.
Windfields
One of Oshawa’s fastest-growing areas, Windfields features contemporary homes, new developments, and nearby shopping at Oshawa Centre. It’s a top choice for families and professionals seeking modern living and convenience.
Lakeview
Located near Lake Ontario, Lakeview provides a mix of affordable homes and access to waterfront trails and parks. It’s perfect for nature lovers and families who enjoy an outdoor lifestyle.
O'Neill
A charming, established neighbourhood, O’Neill offers tree-lined streets, character homes, and a strong community vibe. With schools and amenities nearby, it’s great for families and professionals alike.
McLaughlin
McLaughlin combines affordability with convenience, offering easy access to major highways, schools, and shopping. It’s an excellent option for first-time buyers and commuters.
Kedron
Known for its upscale homes and scenic surroundings, Kedron is a growing community with a family-friendly atmosphere. It’s perfect for those seeking a peaceful environment with modern conveniences.
Donevan
Donevan is an affordable, well-established neighbourhood offering schools, parks, and a welcoming community feel. It’s ideal for first-time buyers and families looking for value in a convenient location.