<prompt> Human: TLDR: We are renting-to-own my dads house and it is complicating our already strained relationship and I fear that he will use his help as manipulation.Ill preface by saying that this situation is emotionally complicated. In short: My mom passed away in 2012. My dad remarried this year and moved in with his new wife. He offered to let my husband and I rent-to-own his house the house he bought with my moms life insurance money. I was hesitant to do this because my relationship with my dad has been strained since the start of his new relationship and I feared this would complicate things. My husband convinced me that we should do it because its a much bigger nicer space for us and it would take us a long time to save up for a down payment on our own. The initial conditions were as follows: We pay 750 a month for year 1 and 850 for years 2 3. At the end of the three-year term he would sell us the house for 165,000 and give us an 18,000 credit toward the down payment 500 from 36 months of rent. The rent he is charging us is below market value for a house of this size in our area. In exchange for a break on rent, we allow my college-age adopted sister to live with us for this past summer which we did. We also allow her to stay with us during college breaks, etc. We also keep my dads dog and cat. After a difficult summer living with my sister my husband and I decided we do not want to be the de-facto homebase for her for the next four years. I started feeling like dad was dumping his parental responsibilities on me and became a bit resentful. After some highly charged conversations in which my dad repeatedly reminded us of the deal he was giving us and how he was helping us financially, we offered to pay more rent in exchange for removing the expectation that she would always stay with us on breaks. He agreed and has now asked for 850 for year 1 rather than 750. This is still below the fair market rent. He has sent us a lease agreement outlining this. Heres my issue: I dont want to be indebted to my dad. I fear that for the next three years he will use his generosity as a manipulative tool against me when family things come up. Several times in the last six months hes had conversations with me and my 3 siblings that make us feel guilty for the fact that he has helped us all financially siblings are 18, 22, 27 and I am 30. I feel especially bad for my younger siblings who are just starting to figure out how to live on their own and still need help and he continues to stress them out about finances. And yet, hell spend 20,000 on remodeling his wifes new kitchen. whatever, not my place to judge his financial decisions but its still annoying As you can see, I have issues that I need to deal with here. Being financially tied to my dad by renting his house complicates our relationship and I dont know what to do. Would love outside perspective. As I see it, my options are: 1. Buy the house. But we cant afford to buy the house right now. We have no money saved for a down payment and are actively working to pay off our debt. By early 2017 everything should be paid off except 20,000 in student loans. Our take home pay together is about 3400 per month. 2. We could possibly afford to pay him 1000 per month for rent, this would be close to the fair market price for a house in this area. But this would prevent us from being able to put a lot of extra money toward our debt. 3. We could move out and find a new place. But, we really dont want to move because its such a pain and I fear that would my relationship with my dad even more. 4. Suck it up and deal with the emotional consequences because were poor  <response>: Not sure exactly what youre looking for here. You are not in an ideal situation, and this is a common occurrence when you mix family and finances. If youre in a tight financial spot, you may want to stick thru this in the short-term, assuming that youve got a detailed written agreement with the terms of your lease and eventual purchase, so that you can enjoy the eventual benefit of home ownership.. Plus, your sister wont be in college forever, your family will branch out on their own so keep that in mind. Of course we dont know how bad your dad is to deal with, so this has to fall back on you and your willingness to tolerate the situation.. 