# Spitily

> Help center and documentation for Spitily

## FAQ
- Q: Can I use income from Investments, Child Tax, pension, suport/alimony, bonds/OT,  or WSIB to qualify?
  A: Absolutely, we take into account all sources of your income.

- Q: What happens if I am declined a mortgage?
  A: Our all-in-one home ownership solution will be able to help you out, even if you are declined a traditional mortgage.

- Q: Do I need a down payment?
  A: Yes, our minimum down payment amount is set at $7,500 or 5% of the purchase price

- Q: Can I own a home with a previous consumer proposal?
  A: Yes, our rent to own program is a homeownership solution for individuals or families with a previous or current consumer proposal.

- Q: Can I own a home with bad credit?
  A: Absolutely, our rent to own program was designed to help families or individuals own homes even with bad credit

- Q: Can I qualify for a mortgage or rent to own on ODSP?
  A: Possibly, we recommend applying as every client is different. We do recommend having at least 2 sources of income.

- Q: What does my current income have to be to qualify?
  A: We do require a combined household income of $40,000+ to be pre-qualified.

- Q: How long will it take me to own a home?
  A: Depending on how quickly and responsive you are, we can get you into a home between 30-60 days.

- Q: Can I own a home with previous bankruptcy?
  A: Yes, but bankruptcy needs to be discharged before entering our program. If two bankruptcies in the past we require a higher down payment, usually 10%+ of the purchase price.

- Q: Can I use my own realtor?
  A: Absolutely! however, we will ask your Realtor to become a member of our “Dream Team.” We only work with the best and will encourage him/her to join our rapidly growing team.

- Q: Can I choose my own property?
  A: Absolutely, after approval you will be matched with our Top Realtor in your area and signed up for property listings. We do have geographical boundaries and it is important to stay within those areas.

- Q: Where can the down payment come from?
  A: Savings, RRSPS, other investments or as a gift from family

## Search
For specific questions, search: https://app.helpshelf.com/help/spitily/search?q={query}

## AI Agent Access
- [Full product context](https://app.helpshelf.com/help/spitily/llms-full.txt): policy-checked verified documentation, or guarded-access guidance when bulk export is unavailable
- MCP endpoint: https://app.helpshelf.com/api/mcp/798dcea501bc (streamable HTTP) with tools: search_docs, ask, get_article, get_product_context
  Send `Accept: application/json, text/event-stream` — a compliant Streamable HTTP server answers 406 without both media types.
- [MCP server card](https://app.helpshelf.com/help/spitily/.well-known/mcp/server-card.json): machine-readable description of the endpoint above
- [Agent skills](https://app.helpshelf.com/help/spitily/.well-known/agent-skills/index.json): how to use this documentation, as an Agent Skill
- Markdown: any article URL returns Markdown when requested with `Accept: text/markdown`
AI agents have read-only access to published documentation. This MCP endpoint never creates tickets, notifications, or other account mutations.