Our Rent-to-Own program is all about making metal buildings accessible and affordable for everyone. With simple terms and great features, you can have the building you need without the stress of big upfront costs. It’s designed with flexibility in mind, so you can manage payments easily and get set up without any fuss over credit checks. Here are the features of our RTO program:
Note: Renters are required to complete a landlord waiver
Our Rent-to-Own (RTO) program is designed to make getting a metal building simple and accessible. Please review the qualifications and guidelines below.
The customer may be the property owner or a renter of the home and/or land.
If renting, the landlord must sign a landlord waiver.
No credit check is required.
Buildings must be certified.
Buildings cannot be used as living spaces (no barndominiums, tiny homes, container homes, or occupied outbuildings).
Minimum order amount to qualify: $3,000.
The total RTO amount cannot exceed $20,000.
If the total is higher, an additional down payment is required to bring the financed balance within the allowed limit.
This extra down payment may include applicable taxes.
The additional down payment must be paid before the contract can be approved.
For contracts with a subtotal of $10,000 or more, proof of home or land ownership is required.
Accepted documents include:
Tax/PVA bill
Property deed
Mortgage statement
RTO agreements include six pages (plus a landlord waiver if applicable).
All pages must be signed or initialed in the designated places before processing.
Required customer information:
SSN (or last 4 digits)
Date of birth
Driver’s license number
Two references
A copy of the driver’s license is preferred but not mandatory.
Customers may choose from the following options (up to $20,000):
24 months – divisor rate 14.4
36 months – divisor rate 19.8
48 months – divisor rate 21.6
60 months – divisor rate 24
Some terms may include an origination fee.
This is a non-refundable processing fee for offering the contract without a credit check.
The first monthly or bi-weekly payment, along with any origination fee, is due at installation.
Accepted payment methods typically include money order, cashier’s check, and major credit cards.
The LDW option must be marked Accept or Do Not Accept and initialed.
It must be explained to the customer.
LDW covers the structure only (not contents) and applies only to natural disasters.
Labor charges must be listed under Labor Fees and paid at installation. Labor cannot be financed.
Customers may have multiple contracts as long as the total financed amount does not exceed $20,000.
If a customer already has an active contract, additional approval may be required before another can be issued.
No penalty for early payoff.
Monthly or bi-weekly payment options are available.
After installation, future payments and account questions will be handled by the financing provider.
Partner with our expert construction team to bring your vision to life — on time, on budget, and with the highest standards of quality and precision.
