You did not say if you ever signed any rent to own documents before you ever moved in or at attorneys office so it is hard to determine the best option. A part of the rent is to be applied to your down payment on the property and she must by law keep it in a separate account. Your documents should as well state the actual date you must obtain your own financing or pay her off, which should never be under 2 years in my opinion. If you have no such papers then you can either pack up and move or sue if you have witnesses or papers. In most cases unless improvements are specified then it is your responsiblity to do any repairs if you are indeed in a rent to own agreement. Now, if she ever used the words "rent to own" or she denies doing any repairs because you are "purchasing" that property then you got her as that is your proof. Try to get something in writing from her, if not you have to decide your best options..If she in fact did borrow against the property and she signed a contract to sell with you, then in my thinking she is guilty of fraud, which can be a felony, if so then you as well can sue her, the mortgage company she took a loan with as well the title company. If all of this is so, then as well you need to learn what she did with that borrowed money, for example did she invest it in other properties, like houses etc. If so then you could be entitled to foreclosure or settlement on that other property and be entitled to any gains and assests, it can be a long drawn out process with high attorney fees.