Question for rent-to-own pros - Who pays the HOA fee in such an arrangement, the tenant or the seller?
I would put it on the tenant, mainly because for financial purposes they will have to take over those payments once the house is theirs anyways.
That being said I know my HOA does not allow transfer of fees to a tenant so I have to pay myself every month. But that is rolled into my overhead so it isn't that big of a deal. I pay fees, they make up the difference due to fines.
rent-to-own you need to put as much as you can on the renter so they know what they are getting into when that rental turns into a own. That includes the fees that are associated with the property. Plus when they go for financing they have to include HOA into those documents, might as well get them use to it ahead of time.
Escrow the HOA and the taxes as part of the monthly rent payment so you know they are getting paid.