Yvonne, before you enter into a rent to own scenario you must do your research. Check the court records to see who owns the property and whether or not foreclosure proceedings have begun. Make sure property taxes are up to date. A legitimate seller should have no qualms about using an escrow agent to process payments. This third party would collect your rent then pay the owners mortgage as well as taxes and insurance. Unfortunately there are some unscrupulous people out there who will try to sell what they don't own or who will pocket the rent and allow the bank to reposess the property. Without the proper set up, you run the risk of being evicted due to the original owners failure to pay their note.