No defintely I would buy from them. They would use the difference from sale-mortgage-arrears as a deposit. Their rent to own payments would actually be LESS then their current mortgage only payments as they are paying a very high rate. They had a major health crisis and wife was laid off at the same time. Seem to be decent people who got caught. QUOTE (jseib @ Aug 4 2010, 08:37 AM) It depends... If your buying the house creatively, say a sandwhich lease situation, the concern is if the deal was ever challenged in court you probably wouldn`t stand a good chance of walking away with a win. Obviously such a deal can be very confusing for a judge and could appear to be a scam of sorts. As well there`s usually a reason why they are in arrears and perhaps they just can`t afford the property.. My concern is 6 months down the road once the crisis is over it`s not hard for folks to forget that you helped them and start to remember how much lower their payments were before you helped.. Gratitude can quickly turn to resentment. Now if you can buy the house traditionally and rent to own it back to them it can work, but I would avoid anything "creative".