Another option could benefit renters, but would be hard to pull off. For renters without a down payment, or that don't qualify for a loan can rent a property,

Another option could benefit renters, but would be hard to pull off. For renters without a down payment, or that don't qualify for a loan can rent a property, and an additional amount will be added to rent. If they fulfill the terms of the lease, the good credit from the payments and the cash from the overpayment of rent will be applied to purchasing the home. Rent would be kept low with the promise of purchase after a given period. But if the renter breaks the lease, the owner keeps the full accumulated rent (so removing the discount).