Lending terms, standards, and rates can be expected to be different in 2 years but you should have a much better idea of where you stand if you go through the process.

Keep your standard operating procedures in place and treat every rental situation the same.

@Robert Herrera, and all, it was a standard "Lease/Purchase Agreement".  

A Realtor is a member of an organization that adheres to additional standards of business.

@Jay Hinrichs You would think this would be a standard, but it seems everything in New York can be backwards at times.

Any suggestions on where to find a standard form I could use? 

Better job security and I am not subject to his/her rules/standards if they become outlandish.

For example spreading out their tax liability over time.From the buyer's side the only "disadvantage" to owner financing in my system (where I negotiate 0% interest) is that I no longer have a tax deduction for interest.  

Although not a owner in the US we have very similar standards.

California is a warmer state, your state may have higher minimum standards.