[fintstone]

As the landlord, lease with an option to buy should be designed so that no money is collected toward anything but rent (no down payment component). Also, the rent should be significantly higher as you take all the risk and the tenant takes none (risk adversion/acceptance has a monetary value) you have the risk of a large increase in home prices as you would have already set a purchase price based on the value when rented...as well as the risk of the property value decreasing. There is also legal risk as well as the time value (opportunity cost) of the money (you could have invested the properties sales price elsewhere) and inflation to consider.