You’ve Seen What’s Possible — Now Get Certified and Start Closing the Deals Other Agents Walk Away From
Certified agents across Ontario create more income from the leads they already have. Now it’s your turn to put it into action with our Certification Training.
Trusted by agents across Ontario. Nearly 1,000 families placed in homes through this system.
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Turn Declined Files into $40k+ in Annual Revenue
Reactivate your database and earn double commissions
You’ve seen it firsthand:
Qualified clients with $100k+ in income and $20k-$50k saved are sitting in your database, but you had to decline them.
Self-employed income, credit rebuilding, new to Canada — you know they can afford homeownership, but the bank's underwriting system says no. And when that happens, you lose the commission and they lose their dream.
And when that happens, you lose your commission and your client loses out on their dream.
But what if you could change that? What if those 'dead files' could become another profitable revenue stream?
There are income-qualified buyers sitting in your database right now who can't get traditional approval because of temporary barriers. Instead of leaving them in limbo, you could re-activate them, place them into Ownable, and earn commission TWICE - now and when they complete their purchase in 3 years.
Get certified so that you can start placing Ownable clients within 30 days and build a predicable pipeline of future A-lender deals.
Transform how you do business — and help the clients you couldn't help before
Re-activate Your Database and Build a Predictable Pipeline
When you complete the Ownable Certification, you’ll:
Unlock an entirely new revenue stream from declined files already in your database.
Position yourself as the 'go-to' mortgage agent for income-qualified buyers who can't get traditional approval.
Earn commission twice on the same client — now AND in 36 months when they qualify for A-lender financing.
Build a predictable pipeline by knowing exactly when future A-lender deals are closing (3-4 years out).
You will no longer have to tell deserving clients 'sorry, I can't help you.' Get ready to start placing clients you thought were impossible.
The Clients You Should Be Helping — But Can't Yet
Across Ontario, income-qualified buyers are sitting in your database getting blocked by automated underwriting systems. These scenarios show exactly where Ownable steps in — turning declined files into two pay days for you.
Self-Employed Income Complexity
Contractor makes $120K/year but shows $65K on paper due to write-offs. Has $30K saved. Bank says no because stated income is too low — but you KNOW they can afford the payments.
Credit Rebuilding After Life Event
Nurse earns $85K, has $25K down, perfect payment history since consumer proposal discharge. Credit score is 620. Bank says no — but you KNOW she's financially responsible now.
New to Canada (Newcomer)
Physician from India, now in pharmaceutical sales making $140K. Has $50K down. Zero Canadian credit history. Bank says no — but you KNOW he's a brilliant candidate.
Your Step-By-Step System to Place Ownable Clients
...and Build a Predictable Pipeline
Here’s what you’ll walk away with in the 3-hour live training:
Identify Ownable Candidates Already in Your Database
You already have declined files that are perfect for Ownable; here's how to identify them and re-activate them profitably.
Master the Qualification & Pre-Screening Process
Learn how we underwrite differently from banks. Understand the 4.5x income formula and when to refer clients with confidence.
Explain Ownable Clearly & Confidently to Clients
Master the scripts and frameworks to introduce Ownable as an interim financing partner (not predatory rent-to-own). Understand the double pay day structure and how to communicate value without sounding desperate.
Explain the Payments (Made Crystal Clear)
Understand how payments, equity, and exits are structured so you always know exactly what’s in it for you and your client.
Plain-English Breakdown of the Program
Finally understand how it really works — so you can explain it clearly and confidently to your clients.
How to Spot the Perfect Fit
Learn who qualifies, when to say yes, and how to filter faster to avoid time-wasters.
Scripts, Calculators & Plug-and-Play Tools
Everything you need to start conversations, calculate affordability, and guide clients through the process.
**Bonus** Database Goldmine Blueprint (Limited-Time)
Enroll today and get the blueprint to turn 'dead leads' into 'done deals'.
Mortgage Agents Across Ontario Are Transforming Their Business
These mortgage agents are discovering how the Ownable Certification helps re-activate declined files,build predictable pipelines of future A-lender deals. Get paid now and in the future.
"I had a 55-year-old client who never thought he'd own a home. When I got him approved with Ownable, he said: “I'm in tears. I never thought this would be a reality for me"
Anneka is already connecting the Ownable training to real buyers in her database, turning past “no’s” into new opportunities.
Anneka Mistry
Dominion Lending
"After researching many alternatives, the Ownable Program has by far the best program for the consumer. The Ownable program costs clients less overall, and their success rate in transitioning them back to A lenders is incredibly high. For any professional looking to help more families get into the market properly, this is a proven and highly effective solution."
Kimberlee is using the training to clearly position Ownable with the right buyers, making conversations easier and more confident.
Kimberlee Freeman
KMF Enterprises
"Working with this team has been a really rewarding experience. We’ve done hundreds of successful deals together over the years, and we’ve never failed to fulfill people’s dreams. If you are looking for a partner in this space, you really should choose the one that has stood the test of time and helped close to a thousand clients."
Chris is using the Ownable approach and scripts to move beyond “sales” and become the trusted problem-solver her buyers need.
Chris N.
Citadel Mortgages
Frequently Asked Questions
Why do income-qualified buyers need Ownable?
Because many high-income buyers can afford a home today, but strict mortgage rules say they can’t qualify today. Ownable gives them a fair, transparent way to get into the market now instead of waiting years.
Why do I need to be certified on the Ownable program?
Because buyers will only move forward if you can explain the pathway clearly (and most agents can’t). Certification shows you how to spot the right buyers, how to explain the opportunity in simple terms, and how to work closely with the Ownable team to make the offer so you can close on the purchase smoothly.
Why is the certification training live?
Because you can learn and retain far more through live interaction than passive videos. Research shows people remember up to 70% of what they learn through discussion and real examples, compared to about 20% from watching alone.
When you hear real questions from other agents — and get your own questions answered — the material sticks, your confidence jumps, and you gain the momentum you need to start conversations right away and put yourself in position to close a deal before the end of 2026.
What if I can’t attend the certification training live?
You’ll receive the full replay, plus every tool, script, calculator, and resource included with the certification.
Do I need new leads or can I use my existing database?
No. Your fastest wins will likely come from strong buyers you’ve already spoken to. These are the people who could afford mortgage payments but can’t get approved by the bank right now. Once certified, you’ll also begin attracting new, high-quality buyers who are actively looking for an agent who can help them buy despite strict mortgage rules.
Can my clients buy through the Ownable program if I’m not certified?
Yes, but you’ll earn less.
- Non-certified agents pay a 20% admin fee.
- Certified agents keep 100% of their earnings.
Why the difference? Non-certified agents require extra support to ensure the process flows smoothly for everyone involved. Certified agents understand the process so they keep their full earnings.
Is the Ownable program legitimate?
Absolutely. The Ownable program is powered by Clover Properties, the same company that has helped 1,000+ homebuyers get into the market and has operated successfully for 15 years across Ontario and Alberta.
How is the Ownable program different from rent-to-own?
Most rent-to-own programs charge a monthly premium for the “option” to buy the home later.
Ownable does not charge monthly premiums or fees. Instead, part of each payment goes toward building the buyer’s equity, the way it would if they qualified for a mortgage today with only 5% down.
How do I earn commission on Ownable clients? (explain double commission)
Exactly the same way you get paid on a traditional buyer deal.
Will this make my job harder?
No. It actually simplifies it. The certification gives you:
- clear talking points
- simple scripts
- a step-by-step process
- calculators
- and full support from the Clover Properties team.
What's the difference between Ownable and sending clients to a B-lender?
B-Lenders lock clients into expensive debt:
-7-8% interest rates (vs. A-lender rates at 4-5%)
-20% down payment required (vs. 5% with Ownable)
-higher monthly payments
Ownable creates a strategic 36-48 month plan:
-A-lender rates (4-5%) from day one
-5% down payment — accessible for income-qualified buyers
-Lower monthly payments that match what they'd pay with CMHC financing
-Equity credit
-Guided exit plan
-Finders fee and commission for you
The bottom line: B-lenders are expensive debt. Ownable is affordable, helps your clients build equity, gives them a realistic exit strategy and saves them thousands on interest costs.
Which would YOU want if you were the client?
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