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This tutorial discusses the risks associated with rent-to-own agreements. The speaker, a lender, advises against entering such agreements, citing frequent issues. Rent-to-own is often presented as a solution for those with poor credit, suggesting that rental payments contribute to a future down payment. However, this arrangement has potential pitfalls. Even if the seller is legitimate, it’s crucial to be wary of rent-to-own scams. To ensure that payments count towards a down payment, proper documentation and legitimacy of the transaction are essential. The speaker emphasizes the importance of caution when considering such agreements, highlighting the common complications that can arise.