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In this video, the speaker discusses the pitfalls of rent-to-own agreements from a lender's perspective. They express personal hesitation about entering such agreements due to frequent issues that arise. Often presented as a solution for those with poor credit, these agreements promise that rental payments will contribute to a future down payment. However, the speaker emphasizes the risks, including potential scams from illegitimate sellers. Even when dealing with legitimate sellers, there are specific conditions that must be met for rental payments to be credited towards a down payment, which can complicate the process. Overall, caution is advised when considering rent-to-own options.
