I’ve learned a bit more about rent-to-own. As previously mentioned investor(s) are needed. Then if the person has 4 percent down and a family income of around 65k they could get a rent to own home around 300k – 350k. The goal would be to use the investor to get started and then 4 years later to take over the mortgage yourself and the investor would be free to move on to someone else. The investor would earn money by charging a small percentage with each mortgage payment. Rent-to-own can be a good way for a person to get a home if they have the income needed but cannot get a mortgage on their own at this time.