I will tell you you should not consider rent to own. In over 25 years I can count the number of rent to owns where you (the tenant / buyer) actually bought the home on one finger. Rent to own properties are designed by very savvy sellers to take advantage of less savvy buyers. The odds of your actually ever owning a property you "buy" this way are slim to none. You'll be renting it for above market pricing under terms designed to benefit the seller heavily and you not at all. I would strongly recommend you speak to an attorney and have them review any paperwork you're asked to sign before you sign it.