Contracts aren't worth shit. They only keep people in line when everything is going smoothly. People can simply walk away and you have to take them to court, you will end up going into arbitration, and the contract will be adjusted anyway by the end of it all.
Get no less than 50% down and keep ownership until it is paid off. You may have to give up a little on the monthly or the total costs to get that deal but it's worth it knowing you will get paid.
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