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In the discussion about co-ownership, it's noted that many commonly referenced instances aren't true co-ownership. There are three concepts often misidentified as co-ownership. The first is "rent to own," often rebranded due to negative connotations. In this arrangement, an investor buys a property, and the tenant pays a deposit along with a higher monthly rent, which partially goes towards building equity. After an agreed period (usually three to five years), the tenant may have the option to purchase the property, ideally having accumulated a down payment. However, a significant downside is that some tenants may be unable to finalize the purchase at the end of the term.
