Then pay your rent until they exercise the option to purchase. 

GENTLY WITH A CHAINSAWWOODCHIPPERS!!! 

Do a Scaling exercise. 

So I feel no guilt in exercising such when one person is impeding upon, creating harm to, others as in this case.     

There are a few beliefs here I would like to invite you to challenge, in the very least it's a good thought exercise. 

Put your popcorn away because for now I am exercising the Lincoln Leadership method. 

@Jefferson Gan Generally speaking, a lease option does not transfer ownership until the option is exercised/expires.

The answer question 1, although they likely won't exercise it, they could technically trigger the due on sale clause and force a payoff if you transfer and question 2, Yes...you will have credit pulls regardless of the loan direction with few exceptions.

I'm sure some have timed things well but it's an exhausting exercise.

Continue studying along the road while exercising patience and persistence.