Ren’T’Own® Lease’T’Own®


Ren’T’Own®          Lease’T’Own®

Learn about Ren’T’Own®/Lease’T’Own™ and how it can compliment your current BHPH business model.

Members: 157
Latest Activity: Jul 24


Be sure to click the "VIEW ALL" link in the lower right hand area below the last Discussion Topic. Only a small number of the total discussion topics may be visible when you land on this page, so you must use the link to see all the topics of interest.

Discussion Forum

Corporate structure for LHPH?

Started by MICHAEL SOLOMON Oct 18, 2012. 0 Replies


Started by Gayle P.. Last reply by Thomas LaBate Nov 26, 2009. 4 Replies

Northland RTO/LTO Blog

LHPH – Who are your Customers?

What picture represents your ideal of a sub-prime or bruised credit customer? ALL of these people to the side could realistically be considered “sub-prime”.  These people represent the estimated 70% of the public that can’t get normal financing today.  They … Continue reading

Answers about GarageKeepers Insurance

We often get the question of how the Garagekeepers Policy coordinates coverage with our Lease’T'Own® Business model.  There are many complexities about Garagekeepers Insurance but I want to cover the important point for you. Garagekeepers was designed for car dealerships. … Continue reading


We ran into a new type of scam today and wanted to get the word out to our dealers. A customer negotiated a low up-front cost lease. The customer met the usual application requirements – proof of employment, a utility … Continue reading

Customer Retention

CUSTOMER’S CAN’T TRADE A REN’T'OWN OR LEASE’T'OWN VEHICLE WITH ANYONE BUT YOU! Rich or Poor-customers like to change vehicles.  On a standard retail car sale or even a BHPH sale, once that customer leaves your lot, there’s no guarantee that … Continue reading


A great question came in the other day – How should I pay my sales staff when using the Ren’T'Own  Business Model? As a life long salesman, my opinion might be slightly weighted so I offer this response only as … Continue reading

Comment Wall


You need to be a member of Ren’T’Own® Lease’T’Own® to add comments!

Comment by David Ruggles on February 18, 2009 at 12:04pm
I hope more pragmatic minds take over. Lenders should be free to "price for risk." It seems obvious that the price charged for increased risk in certain mortgages wasn't adequate, as it was assumed housing would continue to escalate or hold steady in value.
Comment by Jack Stanton on February 18, 2009 at 11:52am
I would agree, but our state government is trying to reign in our profit margins. The socialists are taking over and want more control over the auto industry.
Comment by David Ruggles on February 18, 2009 at 11:46am
It seems the laws regulating LHPH, instead of LTO or RTO are federal and don't fall under state guidelines. LHPH falls under the auspices of Reg M.
Comment by Jack Stanton on February 18, 2009 at 11:30am
CIADA here in NC has advised us to stay out of RTO & LTO until the legislature has amended the laws.
Comment by Jack Stanton on February 16, 2009 at 7:55pm
The legality of RTO is still in question for the state of NC.
Comment by David Ruggles on February 11, 2009 at 7:03pm
Randall McCathren has had a complete "Lease Here Pay Here" program for a few years... I don't know what similarities might exist. Sounds like the underlying advantages should be the same. I cannot understand why anyone would do BHPH when they could do the Rent or Lease, especially in states where the sales tax is on the payment of a rental or lease, rather than the full amount! Of course, there are many more advantages!
Comment by David Ruggles on February 11, 2009 at 6:00pm
I'll give him an invite!
Comment by Harlene Doane on February 11, 2009 at 5:54pm
David, Randall can't get here if he doesn't know about the site. The site just launched on Monday. Just wait til word gets out. :-)
Comment by David Ruggles on February 11, 2009 at 5:33pm
How is it that Randall McCathren isn't involved in this group? I thought he was the "father" of Lease Here, Pay Here. I entire concept is a complete "no brainer!"

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