Buy-in communities require large, upfront fees that can be $500,000 or higher. Residents must also pay a monthly fee that includes an array of services and amenities. Rental communities require a small one-time community fee and a monthly rental fee that covers the apartment, services and amenities. The benefit of rental communities: flexibility. Because no large, upfront buy-in fee or complicated contract is required, you stay in control of your finances — and your destiny.