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In this discussion about rent-to-own agreements, the speaker, a lender, expresses skepticism about their viability. While they note that these arrangements may be presented as attractive solutions for individuals with poor credit, they emphasize that many issues can arise. The speaker warns of potential scams from illegitimate sellers looking to defraud buyers. They acknowledge that some companies operate legitimately but stress the importance of careful consideration. A crucial point raised is that for the rental payments to count toward a down payment, specific conditions must be met, which are often overlooked or misunderstood by potential buyers.
