rent to own just usually covers the downpayment/equity.

walang nagpapa-rent to own na the whole amount. kasi rent to own is basically installment payment with very high interest kasi equivalent siya to zero down.

ayaw mo ng rent to own "forever" kasi ang taas taas ng interest. generally mag rent to own ka lang until the time na ma-complete na yung equity na 20% or so tapos pa-refinance ka na sa bank or sa pag-ibig.