Rent-To-Own Leases provide a path to ownership for renters who are not financially prepared to purchase a home and have planned interest in doing so in the future. Well structured Rent-To-Own Leases benefit both the property owner and renter (prospective buyer). RTO, 1.0 provides mathematical assessment of RTO Lease and Purchase terms to provide sustainable movement forward and positive return to the property owner. RTO, 1.0 provides the user the ability to model rent and purchase scenarios to insure renter capability and property owner maximum return.