Frequently Asked Questions

All of our buildings are built with wood framing but covered with metal siding and roof.  The advantage of metal on the exterior is that it lasts for years with no maintenance. All colors except the Galvalume have a 40 year premium paint.  Metal is termite, fire, and rot resistant and will not warp or shrink and is an excellent choice for the harsh elements of the southwest. All buildings are priced with 29 gauge metal.  26 gauge metal available in some colors for an upcharge. We also offer 29 gauge metal with a textured finish in select colors for an upcharge.  Ask for quote.

What is Rent-to-Own (RTO)?

  • Rent-to-own (RTO) is an affordable payment option with no credit check! All RTO contracts are divided into monthly payments, which are figured on the price of the building. You pay only a deposit when applicable and the initial payment and we deliver the building! As with any contract where you pay for something over time, the total cost is higher than the cash price. The extra charges are not finance charges. Since this is a rental contract, rental fees are assessed. We do not charge penalties if you wish to pay off the contract early. In fact, we will give you a discount on contract amount!

The 1-2-3’s or RTO

  • RTO is a rental program, not a loan so NO credit is required. You are simply renting the rental property on a month by month basis.
  • The RTO contract may be canceled at any time. Simply call and request that the rental property be picked up from your location.
  • Upon completion of the rental contract, either by taking advantage of the early payoff option or by completing all of the monthly rental payments, the rental property is yours!

What is the interest rate/finance charge for RTO?

  • There is no interest rate or finance charge. However, since this is a rental contract, rental fees are charged. The total contract amount may be figured by multiplying the monthly payment amount by the contract term.

What is the Early Payoff?

  • Early Pay Off (EPO) is offered as a promotion for customers who want to save money by paying off their contracts early. At any time during the contract, you may pay off the contract in full and receive this discount. EPO ranges from 40% to 60% of the remaining unused portion of the contract. The unused portion is time that has not transpired. Back rent is not discounted. If you make a payment that is larger than your regular monthly payment, but not equal to the Early Pay Off amount, the payment will be applied as advance rental payments only.

I no longer need my building, can I return it without hurting my credit?

  • Most certainly. Flexibility is one of the greatest features of the rent-to-own program. If you no longer need the item you are renting and you are paid up through the month you return the item, no extra charges will apply and your account will remain in good standing. Best part of all – it does not damage your credit!

Some final things to know about RTO.

  • Bankruptcy:
    A RTO contract is considered by law to be an executory contract. Should the contract become a financial burden, you have the option to be relieved of the contract by returning the item and no further charges will be incurred. Under United States Bankruptcy Law § 365, should you file bankruptcy, you have the option at that time to assume or reject the contract. You should consult legal advice for complete information and provide a copy of your Rental Purchase Agreement.
  • Late Payment:
    Due to the month to month contract of your Rental Purchase Agreement, all payments are due on the date (either the 1st or the 15th) that you have selected. If your payment is late it may be subject to a late charge up to $10.00. See your contract for details. Pay close attention to your due date and pay on time to avoid having your building picked up. If your account is past due, the rental company may pick up the building during normal daylight hours.
  • First Payment Default:
    State law provides you, the consumer, with a grace period depending on the state. After the specified number of calendar days of the month have passed, by the terms of the Rental Purchase Agreement, the contract has expired and we may attempt to pickup the building. If the rental company is unable to contact you and resolve the account, your building will be subject to pickup. To avoid this, we suggest setting your account up for automatic payment. It is also important to provide us with current contact information so we may contact you if necessary. Should your building be picked up as a result of non payment, you will have 14 days from the date of pickup to reclaim any belongings left inside or 7 days to reinstate the contract by paying all back rent and other fees due, plus a re-delivery fee. The rental company is not responsible for any items left in the building at time of pickup.
  • Moving:
    Your rented building may not be moved without express permission from the rental company and you must pay all fees associated with moving the building.
  • Improvements:
    Any improvements added to the building shall remain with the building if it is ever returned with no credit given to you.

Yes we do! We personally deliver and set-up your building within 30 miles of sales lot free of charge. We also provide the concrete blocks necessary to level your building. We even provide the concrete blocks necessary to level your building up to 4”.

Metal buildings have a 7 year warranty

Emerson Barns, LLC warrants to the original purchaser that your Emerson Barns, LLC product is free from defects in material or workmanship upon delivery, and will repair or replace any components that do not provide reasonable service under normal use, for a period of seven (7) years for metal from the date of purchase. Correction by repair or replacement of materials or workmanship in your Emerson Barns LLC product, which our examination shall disclose to our satisfaction to be defective, shall constitute fulfillment of all liabilities of Emerson Barns LLC under this warranty. Emerson Barns, LLC shall not be liable for any installation or re-installation costs or for the natural characteristic of some wood to split, warp, or twist. This warranty shall not apply to any Emerson Barns, LLC product or any part thereof which has been damaged by fire, flood, water, earthquake, earth movement, hail, wind, adverse weather conditions, vandalism, theft, act of God, accident or other event, or a casualty which is customarily covered by homeowners’ insurance. The warranty does not cover damage caused by abuse, misuse, alteration, neglect, or improper maintenance.

For buildings on a lot, the normal lead time is 4-8 business days. For special orders, the normal lead time is 4-20 weeks depending on the season.

It’s as simple as giving us a call or sending an email. We will need your name, address, phone number, email and name of building model, color of siding, trim and roof. Also please specify if you want any customization such as window or door placement different than standard model. Or any upgrades found in the “options and upgrades “.  We will then send you an invoice.  The deposit will be 25% of total  for a cash sale or for the Rent to Own program a 5% deposit plus the 1st months rent. Our preferred method of payment is a Check or cash. We accept credit cards but have a 3% charge. However there are no extra credit card fees for the Rent to own deposit and payments.

Not necessarily. In some cases it’s cooler. It depends more on the color. Darker colors = warmer temperatures inside the building.  Another thing to keep the building cooler is the layer of vapor barrier underneath the metal in all the buildings except the Economy models. (See pics) The vapor barrier also prevents sweating/condensation and can have insulation installed against it. We also offer the Astro Armor®️ Insulation for a greater insulation value. Astro Armor insulation has a reflective foil on one side with an R-value of 6.  (See pic.) Ask for quote.