A lease with option to purchase. RTO is old scammy sounding verbiage.
Standard lease with a separate but contingent on performance of the lease exclusive right to buy at an agreed upon price for a set amount of time. The exclusive option costs money called option consideration. Mine are usually 3%. Have the option notarized.
My purchase prices usually rise with the length of the option. $x if exercised within 12 months, $x + 3% if 13-18 months, etc. Or extension consideration.
Lots of threads on LOs here on BP!
If I wanted money to reinvest I would rent the place and put it up for sale after a year
Rent to own can present their own headaches