I am looking to purchase my first 2 duplexes this year and have been given an option to purchase contract with a 40k down (20 percent) up front and 1 year option term. In the terms of the contract the buyer (me) shall receive no credits at closing for any payments made under the lease agreement or monthly rent..

My question is for those who have done this.. is this fairly common.. I feel like I should get the credit towards to purchase price for the monthly payments made before I finance out into a long term deal. the "option" payment of 40k is credited but not the monthly payment..

any advice? If this is the case then I should just look at conventional financing