Rent-to-Own & Financing

It's simple. You pick out or design your building, choose a payment term - 24, 36, or 48 months - and put down a small deposit. We deliver your building and set it up. From there, you make monthly payments through our rent-to-own partner, JMAG. Once you've made your last payment or paid it off early, it's yours. No credit check, no hassle.

Not quite. With a bank loan, you own the shed right away but you're in debt. With rent-to-own, you're renting the building with a clear path to owning it. The upside? No credit check, no debt on your record, and if life throws you a curveball, you can return the building without owing anything else.

Think of it like this: the building is on your property, in your backyard, and you're using it every day. It's yours in every way that matters day to day. On paper, ownership officially transfers when you make that final payment or pay it off early. Until then, JMAG holds the title, but that's just how rent-to-own works, and it's the same reason there's no credit check or loan involved.

The moment you make your last payment, that's it, it's yours. You can finish out the full term, 24, 36, or 48 months, or you can pay it off early whenever you're ready. Either way, once that final payment clears, the building belongs to you. A lot of our customers actually pay theirs off well before the agreement ends, and doing that can save you a good chunk of money in the long run.

Exactly what it sounds like. If you pay off the full balance within 90 days of signing your agreement, you only pay the pay-in-full price, no extra rental costs, no markup. It's a great option if you want the convenience of rent-to-own to get your building delivered now, but you know you can pay it off quickly. Pay within 90 days, and it's like you bought it outright from the start.

Absolutely. There's no penalty for paying it off early, you can do it whenever you want. The sooner you pay it off, the less you pay overall, because you're cutting out those extra months of rental costs. Most customers don't even go the full length of their agreement. It's one of the best things about the program.

Rent-to-own will cost more than paying in full upfront, that's the trade-off for no credit check and flexible monthly payments. How much more depends on the term you choose. A shorter term like 24 months means less extra cost. A longer term like 48 months spreads your payments out more but costs more overall. The good news is you can always pay it off early to bring that total down. Want to know exactly what your monthly payment would look like? Just give us a call or text or stop by the lot and we'll run the numbers for your specific building.

Nope. Zero penalty. You can pay off your balance whenever you want, and you'll actually save money by doing it. There's no extra fee, no fine print, no catch. If you're in a position to pay it off ahead of schedule, we'd encourage it.

Once you've made your last payment, the building is officially yours. That's it, no balloon payment, no buyout fee, no extra steps. If at any point during the agreement your situation changes and you need to walk away, you can return the building with no further obligation. You won't get past payments back since those covered the rental period, but you won't owe anything else either.

No. Our rent-to-own program through JMAG doesn't require a credit check at all. That's one of the biggest reasons people go this route. Your credit score, your credit history, none of that comes into play. If you want a building and you can handle the monthly payment, you're good.

Yes. Since our rent-to-own program doesn't run a credit check, your credit score doesn't matter. Bad credit, rebuilding credit, doesn't make a difference. We've helped plenty of customers who were told "no" somewhere else and found out our process was a completely different experience.

Same answer: yes. No credit check means no credit history required. Whether you're just starting out, you're young and haven't built credit yet, or you've simply never needed it, our rent-to-own program doesn't care. You won't be penalized for something that doesn't exist.

Honestly, not much. There's no credit check, no income verification, no lengthy application. You just need to be 18 or older and have a valid ID. From there, you pick your building, choose your term (24, 36, or 48 months), put down a deposit, and you're set.

In most cases, your first month's rent is your deposit. That's it. You pay your first month, and that kicks everything off. In certain situations there may be a small additional deposit needed, but for the majority of our customers, that first payment is all it takes to get your building ordered and on its way.

You've got three options: 24, 36, or 48 months. Shorter terms mean higher monthly payments but less total cost. Longer terms spread things out and keep your monthly payment lower, but you'll pay more overall.

Your first payment happens at signing. That's what kicks the whole process off. From there, your paperwork gets submitted to JMAG, and they handle getting everything set up on their end. Once they've processed your agreement, they'll establish your 30-day payment cycle going forward.

Rent-to-own payments are handled through the JMAG online portal. Most customers pay by card, and you manage everything right there: view your balance, make payments, check your schedule. JMAG sends you all the documentation and login info once your agreement is processed, so you'll have everything you need to stay on top of it from day one.

Yes. JMAG offers autopay, and you can get that set up right through their online portal. Once your agreement is processed and you have access to the portal, you can enroll in autopay so your monthly payments go out automatically. One less thing to think about.

No. Since there's no credit check to get started, there's no credit inquiry on your report. And because rent-to-own isn't a loan, your monthly payments aren't reported to the credit bureaus either. It won't help your score, but it won't hurt it. Your credit stays exactly where it is.

Life happens, and we get that. If you miss a payment, it doesn't mean someone shows up the next day to take your building. There's a process, and it starts with communication. If you're running behind, reach out to JMAG and let them know what's going on. They'd much rather work with you than against you.

Life happens, and JMAG understands that. The specifics of grace periods and how they handle late situations are managed on their end, but we can tell you from years of working with them that they've been genuinely gracious when circumstances come up. If something changes in your situation, the best thing you can do is reach out to JMAG early and have an honest conversation. They'd much rather work with you than let things snowball.

Technically, yes. Since you're renting the building until it's paid off, JMAG does have the right to pick it up if payments stop. But let's be real: nobody wants that to happen, least of all them. It's a last resort after multiple missed payments and attempts to work things out.

You've got options, and none of them involve pretending the problem doesn't exist. If things get tight, call JMAG and have an honest conversation. They work with people on this stuff more than you'd think.

You can. That's actually one of the advantages of rent-to-own over traditional financing. If your situation changes and you need out, you contact JMAG, they pick up the building, and you walk away. No penalty, no collections, no strings. Your payments up to that point covered the rental period, so those don't come back, but you're done.

The payments you've already made covered the time the building was on your property, so those don't get refunded. Think of it the same way you'd think about rent on an apartment: you paid for the months you used it.

It happens more than people expect, and it's not as complicated as you'd think. The building is portable, so if you move to a new property, JMAG can typically relocate it for you. You keep paying, the building moves with you, and life goes on.

Depends on your situation. Bank financing typically costs less overall because interest rates are lower than rent-to-own premiums. But bank loans require a credit check, an approval process, and you're taking on debt that shows up on your credit report.

If you can wait and pay in full, you'll spend less overall. That's just math. But the real question is whether waiting actually makes sense for your situation.

Depends on what makes the most sense for your life right now.

Paying in full. When you buy outright, what you see is what you pay. No monthly premiums, no extra costs over time. And unlike a lot of companies, we don't tack on a processing fee if you pay by card. The price we quote you is the price you pay, period. On a building that costs several thousand dollars, that alone can save you hundreds compared to places that charge a 3-5% card fee.

Actually, it might be a perfect fit. Since you can return the building at any point with no penalty, rent-to-own works almost like a long-term rental. You use the building for as long as you need it, make your monthly payments, and if you decide you're done, they pick it up and you walk away clean.

You can rent-to-own any building we sell. Sheds, garages, cabins, barns, whatever you need. The rent-to-own program through JMAG isn't limited to one type of structure. If we build it, you can rent-to-own it.

We do. We deliver rent-to-own cabins across all of Southern Michigan, Northwest Ohio, and Northeastern Indiana. Whether you're in the Detroit metro, Grand Rapids, Kalamazoo, Lansing, Toledo, or anywhere in between, we can get a cabin to your property.

Biggest difference: rent-to-own isn't a loan. You're not borrowing money, you're not taking on debt, and nothing shows up on your credit report. With a personal loan, a bank gives you the money, you own the building immediately, but now you've got a debt obligation, monthly payments with interest, and a hard credit inquiry on your record.

In most cases, yes. You'll just need permission from your landlord or property owner, since the building will be placed on their property. As long as they're on board, the rent-to-own process works the same way.

Yes. We offer rent-to-own through JMAG with 36-month and 48-month terms, no credit check, and just the first month's payment due when you get the building. It's a straightforward way to get your garage now and pay over time.

Yes. Rent-to-own runs through JMAG with 36-month and 48-month terms, no credit check, and just the first month's payment due when you get the Cabin.

Yes. Rent-to-own is available through JMAG with 36-month and 48-month terms, no credit check, and just the first month's payment due when you get the Casita.

Yes. We offer rent-to-own through JMAG with 36-month and 48-month terms, no credit check, and just the first month's payment due when you get the building.