Rent to Own??? can I use a tenant down payment for a loan???

[Michael C.]

I have people coming up left and right to me now days wanting to rent and own,  they have bad credit, a stable job and they also have a down payment for a house, I get approach many times from tenants or people willing to give me 20percent to 30perecent want to rent to own from me, (I have a good reputation with peoples money, so a lot of people trust me) How would I structure this? Can I use this as a down payment for a house?  I see an oppturniy, I might as well take it and it would be nice putting families in homes, helping them achieve the American Dream!