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This tutorial discusses the concept of renting to own, highlighting potential pitfalls. The speaker, a lender, expresses skepticism about entering such agreements. These arrangements are often marketed as a way to eventually become a homeowner despite poor credit, where rent payments supposedly contribute to a down payment. However, the speaker points out that many aspects can go wrong. Firstly, there are legitimate sellers, but one must be cautious of fraudulent rent-to-own schemes. In legitimate cases, there's a crucial stipulation regarding how the payments count towards the down payment, which can lead to complications. Caution is advised before committing to these agreements.