I personally don’t want to be in the BUSINESS of running a consumer service.  

If I may, a lot of the issues we are running into with insurance is that consumers no longer use insurance as a catastrophic fall back but rather, they nickel and dime on small claims that compund into larger issues. 

From real estate investors to other small businesses, I talk to people daily who have no idea about the potential liability under the Telephone Consumer Protection Act ("TCPA")(47 U.S.C. 227 et seq.).There are two initial issues that can create huge problems with your suggestion.

STRs can give you more cash-flow but it will be a lot more time consuming and harder to scale even if you have a manager in place.

This can help avoid triggering the due-on-sale clause.Disclosures & Compliance – Illinois has strong consumer protection laws.

It can be time-consuming and challenging if you try to do everything on your own, so partnering with a trusted team can make all the difference.

It could also be the result of job loss, career switch, free lance work, self employment, spouse wanting to stay home with newborn, pay reduction, or inability to sell existing home, moving job locations, or any other “life circumstances”.After thinking about it, my opinion on the “ethics” of entering a lease option as an investor with a homeowner/consumer rests on two issues.  

I am currently a sales manager for a commercial tree farm and have recently been consuming Kiyosaki's books like they are candy.

It's powerful tool for those who are established in their financial behavior and have some spending discipline, because it simply applies regular consumer banking behavior in a beneficial way to shrink the size and cost of mortgage debt faster. 

Consumers pick up on that.