Lease option works against you as a buyer, the seller wants to get more in the future than what they can get today. Also, the rent amount is typically higher than market rent and that extra amount goes toward eventual purchase price toward your down payment and is not refundable. You would get right of first refusal, but home inspection probably needs to be done before lease, financing contingency needs to be waived, so if you cant get a mortgage now, you cant use that for an excuse to get out of the deal and you lose the additional option money installments you paid in the rent. Best to do a straight up rental now and at the end of the lease, pay for an appraisal and offer your landlord to purchase at that appraisal number.
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