Hi Cassidy, Rent to Own usually refers to a lease option. This type of plan has not been fully explored by the industry as a whole since many loans have a due on sale clause.However, banks are not as likely to call a note on a seller due for fear of adding to their already overloaded home inventory. Most state that the bank MAY foreclose on the seller if they sell or lease option without the banks permission. Thus the lease-option or rent to own method of purchasing may be the method of choice for many sellers who are in need of selling their property without but are unable because they owe more than the home is appriased for and do not want to damage their credit rating by doing a short sale. Most likely none of the homes you are asking about are lease-options at this time but you didn't identify which homes you were looking at.