Assets can include automobiles, artwork, collectables, etc, in addition to traditional sources like real estate or financial assets.Let me give you an example. 

So, it's treated like an automobile loan.Rent to own means you pay an agreeable amount above the regular rent to which adds to your down payment, when the time comes to act on that option.

That's an interesting idea with the vans, automobiles and their repair have always intimidated me, I ought to pick up the knowledge though.I knew I enemas for getting something, and that was my goals. 

You could never expense a full automobile in your situation, but claim mileage as long as you keep good records on distance and purpose of each trip. 

Uncommon, but some people have leased when they thought they'd bought (automobiles) or even swindled and with a signed contract you are bound to the terms.

If you have any doubts....here's the exact verbiage from Fannie Mae:B3-4.3-15, Borrowed Funds Secured by an Asset IntroductionThis topic contains information on borrowed funds secured by an asset, including:• Borrowed Funds Secured by an Asset• Secured Loans as Debt• Reducing the Asset by the Amount Borrowed• Documentation RequirementsBorrowed Funds Secured by an AssetBorrowed funds secured by an asset are an acceptable source of funds for the down payment, closing costs, and reserves, since borrowed funds secured by an asset represent a return of equity.Assets that may be used to secure funds include automobiles, artwork, collectibles, real estate, or financial assets, such as savings accounts, certificates of deposit, stocks, bonds, and 401(k) accounts.Secured Loans as DebtWhen qualifying the borrower, the lender must consider monthly payments for secured loans as a debt.If a secured loan does not require monthly payments, the lender must calculate an equivalent amount and consider that amount as a recurring debt.When loans are secured by the borrower’s financial assets, monthly payments for the loan do not have to be considered as long-term debt.Reducing the Asset by the Amount BorrowedIf the borrower uses the same financial asset as part of his or her financial reserves, the lender must reduce the value of the asset by the amount of proceeds and related fees for the secured loan.Documentation RequirementsThe lender must document the following:• the terms of the secured loan,• evidence that the party providing the secured loan is not a party to the sale, and• evidence that the funds have been transferred to the borrower

If you have an experienced lender that can guide you AND contact the agent who covers your automobile- bundling will save some money. 

Even automobile needs change.

If Tenant isassigned a parking space(s) by Landlord, Tenant shall use such space(s) only for the parking of operable, licensedand currently registered passenger automobiles and motorcycles.

This is what you get when for decades you pursue a policy of endless "California lifestyle" of single family homes and single-occupant automobiles connected by roads wider than any reasonable person, except for a traffic engineer, would ever conceive of.Our politicians are business owners and landlords too, of course they want to perpetuate the status quo.