Creative Finance Playbook
Creative Finance Playbook
Jenn and Joe
EP 198: Is Rent-To-Own a Scam? The Truth Investors Need to Know
18 minutes Posted Jul 31, 2026 at 5:00 pm.
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Is rent-to-own a scam… or are most people just doing it wrong?


In this episode of Creative Finance Playbook, Jenn and Joe break down the truth about rent-to-own real estate, why some people think it’s a scam, and how investors can do it the right way.


Rent-to-own, also known as a lease with the option to buy, can be a powerful strategy when it is structured properly. It can help renters move into a home now, work toward mortgage readiness, and eventually become homeowners.


But there is a right way and a wrong way to do it.


Jenn and Joe share what they’ve learned after years of offering rent-to-own properties and successfully helping 7 renters become homeowners.

Inside this episode, you’ll learn:

✅ Why people think rent-to-own is a scam

✅ What makes rent-to-own deals go wrong

✅ How to properly screen tenant-buyers

✅ Why the option deposit matters

✅ How to know when a tenant-buyer may be mortgage-ready

✅ Why clear communication and full disclosure are key

✅ How rent-to-own can create win-win deals for investors and families

✅ Why helping renters become homeowners is one of Jenn and Joe’s favorite strategies


When done right, rent-to-own is not about taking advantage of people.


It’s about creating a path to homeownership.

If you want to learn how the rent-to-own method works, comment “RTO” below.


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DISCLAIMER

We’re Jenn and Joe Delle Fave, here to share our real estate journey. While we’re not CPAs, lawyers, or financial advisors, we are experienced full-time investors who love sharing what we've learned. Always consult professionals before making major financial decisions. Our goal is to inspire, guide, and help you take control of your financial future!