Question about a Lease Option?

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Hello- hope all is well. My understanding of a lease option is that the RE is tacking on extra month payments for the lease option tenants with the idea that after a set period of time (let's say 3 years) the tenants may exercise the option to buy the property at the set price 3 years ago. So, let's say the extra monthly payment was 300$. 36months later that's 10,800$. So, when the option is exercised, does the 10,800$ I've escrowed get returned to the lease option tenants.

Q2- If lease option tenants can't afford say-1800$ a month for the mortgage payment- thus defaulted and that's why an RE has swooped in--whats my "ahead of the game price" that is, my monthly what if the margin is only 100$ to me?? DOes this make sense?? I'm going to the gym to clear my head. :superman: