Why can't I just pay a large security deposit vice a nonrefundable option consideration?

The option consideration gives you certain rights under the lease purchase agreement that a security deposit does not give you under a standard lease agreement. A security deposit, when given back to you at the time of purchase is often viewed by mortgage brokers as a 'kickback' prior to selling (not allowing it to go towards your down payment). When taken in the form of a nonrefundable option consideration, most mortgage brokers allow that money to be applied directly to your down payment when trying to obtain traditional financing.

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