[charcircuit]

Leasing cars and renting houses is already a common practice. So yes I believe these make sense to exist.

The existence of purchasing cars and houses with no ongoing cost to the builder is due to competition.

[BenjiWiebe]

Also leasing cars isn't usually (ever?) from the manufacturer of the car.

Houses, not sure how it's done in more populous areas, but around here you don't ever rent from the builder. You rent from someone who bought the house from a builder (or bought from someone who did, etc etc).