The Loophole in the Lease

Sherman leaves the water in the bathtub running and it runs over, making the plaster in the ceiling below collapse. Mr. Mooney convinces Lucy that it's Viv's fault and they threaten to throw Viv out if she doesn't pay for the damages. They take out their lease and in it, it says that the rent will be considered down payment for the house, after five years, if the tenant desires. Viv has Mr. Mooney and Lucy thinking that she will and they end up trying to steal it from her, while she's sleeping.