One thing you never want to do is rent to own a central heating and air conditioning system. I had tried this one time and I have to tell you that it was a serious and merely utter disaster. With renting to own a central heating and air conditioning system, the first thing that is bad is the fact that in the long run you will be paying nearly double what you would pay had you bought the very same heating and air conditioning system unit from a regular heat and a/c dealership. When I was renting to own a central heating and air conditioning system there were a few times where I could not afford to make the monthly payment. In return I nearly lost my central heating and cooling! I was able to borrow the money from friends and family these times, but just the thought of not having that option available was scary. Nevertheless, to make a long story short I did not end up seeing this through till the end and gave it up after about 7 months when at that point I figured out a way to get up the money to just buy a brand new, up to date and moderately priced central heating and air conditioning system. So my advice here is to never rent to own a central heating and air conditioning system! It could be the worst thing you ever have done. Not only do you risk the possibility of having no heating and cooling had you not been able to make a payment one month, but you also end up spending way more than you have to on a central heating and air conditioning system unit.