Lease to own. Johnny, these are in reality rent agreement with a forced savings account. You will have no control interest in the property. You WILL have saved a little money in a certificate of deposit to help pay your moving expenses. Meanwhile the landlord put your deposit in the hip bank. -------------- YOu will discover now or 5, 10, 15 thousand dollars from now, all roads lead to creating a good credit history that will qualify you for a mortgage. Those looking for short cuts, those thinking they've discovered a way to circumvent the protections in place for their benefit, are always separated from their money. ------------- Regardless of the costume these offers wear. you need to know you will be RENTING until you have a mortgage that reflects you are buying. everything else is an illusion.