Rent to Own can be good or bad.
In my opinion way to little of each months rent ie:10% will go towards your down payment to purchase the property. Say you live at the given property for a year at $1,000 per month then you have put away (the landlord has) $1200 of your down payment.
Now say your decide to walk away, you walk away with nothing.
The average person should be able to save $1200 a year no problem if your budget allows for $1000 rent.
Then we have assumable mortgages which are a great thing for people who are self employed. You could make $100k per year but write off a huge portion of it. Now you dont have enough money on paper to get the wanted mortgage. An assumable basically has you take over someone mortgage for an extended period of time. Now that you have proved yourself for lets say 18 months you just take over the mortgage without having all the hoops to jump through of a low income on paper.
Im super busy right now and the grammar in this post was horrible, I was rushing through it but pm me if you have further questions.
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