In the times of high interest rates, don't discount Rent-To-Own What is Rent-to-Own? Rent-to-Own (RTO) is an agreement between a landlord and tenant in which the tenant agrees to rent the property for a certain period and has an option to buy before the lease expires. It’s essentially a hybrid approach to owning a property. You get to experience the property for a period before committing to a purchase. In an RTO agreement, the buyer pays the seller a one-time upfront fee, known as an option fee, option consideration, or option money. The fee is the factor that gives the buyer the option…