Housing affordability post-recession seems to be an issue everywhere. One of the biggest obstacles to making that first home purchase? Coming up with the down payment, while paying rent. This dilemma has priced many out of the housing market, especially in light of valuation increases that have surpassed the losses of the recession. Enter a creative, innovative approach to breach the gap in the down payment, for not much pain to the borrower. This strategy is currently offered in Seattle by an enterprising entrepreneur, and it may be coming to a city near you.