Buy and hold has mortgage pay down, tax benefits, and cash flow, but may not have appreciation (depending on the market) ... but if you buy and remodel like a flipper, then turn it into a rental, you get it all ... this is a very simplistic example that simply illustrates the concepts, but they run much, much deeper than that, and you should try to understand this at least at a high level before investing.

(Pure option combined with lease to make lease option)Perhaps putting something in the contract along the lines of: (Illustration purposes only)- Seller shall give to purchaser a concession in the sale price of ______ for closing costs.Then when the buyer goes to purchase the home, that concession MUST be written into the sales agreement.That is how I think it will work...but then again, I've been wrong before.

Her path won't be the same as theirs, but it can be illustrative.  

Just to illustrate what that means:Let's say you own a $900K house/residence, a $50K car, have a W2 paycheck of $100K/year, and have two investment properties each currently worth $150K, your total 'worth' is about $1.3 Million + your W2 income.

For illustrative purposes:Person 1: $10k tasks A, B, C 30% ownershipPerson 2: $10k tasks D, E 30% ownershipPerson 3: $40k no tasks. 40% ownership

The charts below starkly illustrate the 2021 market.

This illustrates why the 2 year lease doesn't help you.

@Ben Einspahr What a great illustration of the power of leverage when used wisely. 

It is disclosed on the illustration and in the policy documents.

To illustrate, imagine we have a borrower making $5000 salary who has a $1000 alimony payment (or losses $1000 in a rental partnership, if you prefer).