I did rent to own but not through a program. Our home was offered to us by a family friend who knew we had a baby on the way and that we were not in a safe living situation. Be very careful in investing in anything without a contract. In our case everything worked out and our home is truly beautiful. It even came furnished with gorgeous high value furniture. But it’s uncommon. We had looked into it for a few years before being offered this. Nothing was ever legitimate. To be quite honest I would recommend just buying a house through the RI first time home owners program. We had to put $25k cash down with no assistance and we closed on the house in October. You’re better off financially to take advantage of the states program. Good luck to you. If you have any questions feel free to ask.