I think that it’s a far better strategy to have that option and not exercise it unless it becomes necessary.

And there is a lot that can go wrong here (opex and capex not accurately accounted for, property value or rents go down, tenant issues, seller files for bankruptcy, issues with loan servicer (I've experienced this one), insurance issues, mortgage company exercises their right to call the loan due on sale, title issues, judgements etc. there is a lot that can wrong with subto).

One of these days, a renter will exercise the purchase option, the mortgage will be paid off.

We like our careers but being able to exercise that innovative thought pattern to freely think about a project that's personal to us vs a project that's required of us is much more fun and rewarding.

Great time to exercise that diligence in my opinion.