Is a usufructuary lease agreement (Ijarah Muntahiya Bil Tamleek), which includes two separate contracts and stipulates that the tenant is responsible for insurance and maintenance, considered usury (riba) or unlawful (haram) due to the forfeiture of the tenant's rights, and is the sin lifted if both parties consent?

The invalidity and impermissibility of the contract are not due to usury, but rather to the presence of *gharar (definition)* (excessive uncertainty) and the combination of contracts that are impermissible to combine. These are violations of Sharia (definition). Consent does not lift the impermissibility, because the Lawgiver prohibited them due to harm and did not permit them, even if both parties consented.