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In this tutorial on renting to own, the speaker discusses potential pitfalls of such agreements from a lender's perspective. They emphasize personal skepticism about entering into a rent-to-own contract, often presented as an opportunity for those with poor credit to work toward homeownership. The speaker warns that many issues can arise, even with legitimate sellers, and highlights the existence of rent-to-own scams designed to defraud individuals. Additionally, they note that for rented payments to count toward a down payment, certain conditions must be met, underscoring the complexity and risks involved in these agreements.