He did reach the subfloor in two spots, but there was lots of the stock {base} colour showing where the finish layer was scratched through.  ... and this was commercial grade vinyl plank.

Mortgage and more important for most sellers is this remains on their credit and affects their ability to borrow since the mortgage is still open.So when you get under capitalized or just plain crooks ( and I am not calling anyone on this thread a crook by any means and don't know their capital strength as well)But this scheme brings in the less than honest players and the one's will little to no money and a big dream.So know they have control of the asset.. they then either sell again on a contract for deed or another wrap or another sub too.. to what is usually a buyer who can't get a traditional mortgage.. now some of those buyers could be credit worthy but many to most are NOT.. so you are now setting up sub prime borrowers .. these borrowers fail with alarming rates we know that. 

Accept life/people the way it is a adjust to a landlord mentality.There is no place in this business for rose coloured glasses.

@Brent ShafferI'd find a colour that goes with the stone and the roof both of which look brown/beige. 

Is the states are really cracking down on rent to own schemes.. 

As Chad said, it's a TON of risk for a realtor to scheme behind the scenes over a few hundred dollars extra.

Real estate is not a "get-rich-quick" scheme.  

If people were getting rent checks when their place was vacant/there was no house on the property then it looks like a Ponzi Scheme.

@Greg San Martin I agree with you that prop 19 was an underhanded bait and switch scheme that most people did not understand.

I have seen some trust schemes that purport to "get around" DoS issue.