Home partners is providing a new form of owner financing, or interim financing, even though it's technically a rent to own. It's not for everyone. It has costs, but it offers many self employed people, recent bankruptcy's foreclosures, short sales, and divorce or other financial hardship buyers who are in the process of rebuilding their credit to move into the home now they want for their family and buy it with a loan later. Avoiding the need to move again, maybe change schools, or just have to start the whole process over. Moving is considered one of the six most stressful events in peoples lives. If you can avoid an unnecessary move or just settle your family now vs a few years from now, and do it with a low start up cost, doesn't that have value?