Yes JJ, New avatar, in the sense that I finally qualified to have one. And yes, c'est moi, and I like to think that I know myself fairly well, although I think I've been discovering new things as i go along.
My comment wrt to rent to own was in reference to the inability of many people to be able to save up the down payment to qualify for a mortgage. So you have to either live for free (understanding parents) or save down payment $$ while paying rent in order to get the 25 % dp required to get a mortgage. So it may be a long term loan, but at least y oiu would be building equity as you went along. Similar to mortgages, but more time involved.
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