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In this tutorial, the speaker discusses the risks associated with rent-to-own agreements from the perspective of a lender. The initial appeal of these arrangements often stems from the promise that rental payments contribute to a future down payment, particularly for individuals with poor credit. However, the speaker expresses skepticism about entering such agreements, citing common pitfalls. He emphasizes the importance of being cautious, as there are fraudulent schemes involving non-legitimate sellers in the rent-to-own market. Even when dealing with reputable companies, various complications can arise, underscoring the need for thorough due diligence before committing to a rent-to-own contract.