Money is deeply emotional and tied to perceptions of family security.Your fiance has already clearly signaled to you that she needs more security in the immediate future than you do - you're both just starting from different places. 

Perception is reality: my sphere knows me already as someone different; a friend, a goofball, a corporate manager, their boss lol - etc its difficult to "overwrite" how they view me.

Many tenants seem to share the perception that a rent to own deal allows them to put their rent payments toward building equity instead of being "wasted" every month simply for occupancy. 

If that makes BP "anti wholesalers" then you have a very poor perception of the facts.

I don't minimize that, only to say that in the past people had that AND massive societal problems, war, scarcity and economic poverty.

Contrary to the perception of being a last resort, they provide stable, affordable living with amenities.

If their generalized impression of this community is formulated from watching the Wire or American Me, they will never be able to have an accurate perception of the asset the own.

The home values and perceptive of the real estate changed very quickly during that period.By 2020 I was already convinced that the property values are too high and I was not willing to pay 100K+ for a investment property.

And coming out of a 1031 exchange might change my perception too.

The media likes to focus on the exceptions, but by doing so it radically skews the perception of decades of data that have been gathered on this.