• 12x20 Vinyl Cottage - Fast Track Building
  • 12x20 Vinyl Cottage - Fast Track Building
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Fast Track

12x20 Vinyl Cottage - Fast Track Building

$ 9,142.00 USD
$ 9,142.00 USD
Shipping calculated at checkout.
Cash Price
$ 9,142.00
Rent-To-Own From
$ 338.59/mo
Choose how you want to get it
Rent-to-Own Breakdown
Cash price (what you'd pay outright)$ 9,142.00
Monthly rent-to-own payment$ 338.59 / month
Number of monthly payments60
Total of payments to own$ 20,315.55
Total exceeds cash price by$ 11,173.55

Early purchase option: you may pay off your agreement at any time. After 90 days from delivery, contact us for your early payoff amount, which will be less than the remaining total of payments.

Full rent-to-own terms →
24 Month: $ 544.16 / 36 Month: $ 423.24 / 48 Month: $ 380.91 / 60 Month: $ 338.59
Buyer Protections
  • Michigan-based dealer
    Serving customers across Michigan since 2008.
  • Statewide delivery in Michigan
    Delivered fully built using insured equipment.
  • 10-year warranty & 90-day return policy
    Backed by written warranty and money-back guarantee.
Building Details
Building Size:12x20
Building Style:Cottage
Building Type:Vinyl
Deluxe Package:Yes
Siding Color:Mt. Arbor
Trim Color:Trim Black
Roof Color:Dual Black - Shingles
Serial Number:0325237
Sales Lot:Fast Track
Condition:New
Pricing Breakdown
Base Price:$ 7,603.00
Deluxe Package:$ 760.00
16" OC Rafter Upgrade:$ 380.00
2 - 21x27 Windows:$ 210.00
4' Loft:$ 189.00
Current Lead Times

Q: How long does it take from the time I order until the time my building is delivered? (Updated 5/29/2026)

A: Our current production time is as follows:

  • Usually 1-2 Weeks For In Stock / Fast Track Buildings
  • 4-6 Weeks For Painted Pro Series Buildings
  • 4-6 Weeks For Vinyl Pro Series
  • 4-6 Weeks For Vinyl Standard Buildings (No Deluxe Package)
  • 7-9 Weeks For Deluxe Painted & Vinyl Buildings
  • 7-9 Weeks For Buildings larger than 14'x24', Buildings With Porches or Dormers

We are about 1-2 weeks out for delivery For our in stock / Fast Track buildings depending on our delivery schedule & weather (Please Contact Us if you have a specific delivery date that you need your building by or have special delivery instructions)

Q: I can't wait 4-8 weeks, do you have anything that is ready now?

A: YES! We have a good selection of buildings at each of our shed display locations that are available for immediate purchase. Click Here To View Current Inventory.

Q: What is the lead time for On Site Builds & Fast Frame Garage? (Updated 5/29/2026)

A: On Site Builds are now booked for the 2026 season

Rent-to-Own Payment Breakdown & Terms

Pick any term below — there's no penalty for paying off early, and choosing the early purchase option (EPO) lowers your total cost. Payments are monthly and shown pre-tax.

24 Months $0.00 + tax / mo
Total of 24 payments (pre-tax)$0.00
RTO cost over cash price$0.00
Early Purchase Option credit70% of eligible payments made
36 Months $0.00 + tax / mo
Total of 36 payments (pre-tax)$0.00
RTO cost over cash price$0.00
Early Purchase Option credit60% of eligible payments made
48 Months $0.00 + tax / mo
Total of 48 payments (pre-tax)$0.00
RTO cost over cash price$0.00
Early Purchase Option credit50% of eligible payments made
60 MonthsLowest /mo $0.00 + tax / mo
Total of 60 payments (pre-tax)$0.00
RTO cost over cash price$0.00
Early Purchase Option credit45% of eligible payments made

About the EPO credit: the percentage shown is how much of your eligible rental payments already made is credited toward the building's original cash purchase price if you choose to purchase early — it does not mean you pay that percentage of the remaining balance. Example: on a 24-month agreement, after $1,000 in eligible payments, 70% ($700) would be credited, so a $5,000 cash-price building would pay off at about $4,300.

*This advertised transaction is a rental-purchase agreement (RTO). The total of all payments does not include taxes, optional fees, or other charges (e.g., late fees). You do not acquire ownership or equity in the merchandise until you have paid the total amount necessary to own it or exercised your early purchase option (EPO). By choosing the EPO, you may reduce your overall cost. Ownership is optional. No established credit history is required to get started; we may review your past payment or transaction history. Delivery fees may apply. Free Delivery is limited to new standard-sized buildings in Zone 1; additional charges may apply for oversized or challenging deliveries. Advertised rates and terms apply to new merchandise in Michigan only; some exclusions may apply. Taxes, fees, late charges, delivery charges, security deposits, and other non-rent charges may not count toward the EPO credit; the exact payoff amount should always be confirmed with us before payment. See store or visit our website for full details: Rent-to-Own information.