Lease to Own question.

[Cruz G.]

I am considering going into a Lease to Own situation, but am structuring the plan to make it "just right". One issue I have is the potential seller takes my check before the 1st (sometimes dead on the 1st, but NEVER later). There are times that the seller/landlord does not deposit the check immediately and will post on my account as a debit about 7-9 days later. I don't get cancelled checks anymore, so how do I prove to the potential lender that I didn't pay the seller late? How do I avoid situations like those (without paying ridiculously early)? Does the seller have to have a notarized letter explaining the delay? Just want to know how I would handle this if I go this route.

Thanks.