yes - I have seen that option also - it's the standard "rent-to own" model - I would be open to that to with the right down payment - but you are right about title - just because it is clean when you first start doesn't mean they cant put other liens on it still. Maybe an annual title search would be a good idea - there has to be a level of trust in a transaction like this because of all the unknowns - still a good option for many people if you can find a seller willing to do it.