To Buy or not to BuyI am currently renting a townhome through a property manager who is also a realtor. The owner of the home would like to sell it to me, but I currently do not qualify for a mortgage due to some credit issues (my score is 605). She is offering a two year lease where I pay $150 extra a month to her for "contribution to a down payment to buy the property" at the end of the two years. I am at a loss for two reasons, I don't like the house because of the current condition (not to buy, anyway). AND there's no guarantee that I will qualify in two years (if I don't, I lose the additional $3600 I paid). Should I cut my losses and move out now, or take the deal? S/N...I'd be more apt to take the deal if she did renovations...but I don't know if she would agree to that.Please help!November 27 2013 - US0YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.