Is it permissible to finance the purchase of medical equipment through a lease-to-own agreement, based on the stated conditions, while taking into consideration the questionable points regarding the rental value, the contract duration, responsibility for insurance and maintenance, the absence of a late payment penalty, and the mechanism for terminating the contract and the fate of the installments paid?

You have done well in your desire to leave the land of the disbelievers, and you must hasten to do so. Ijarah Muntahia Bittamleek (leasing ending with ownership) is permissible if the Shariah conditions are met, among which are that the lease must be a genuine lease and not a mere cover for a sale, and that the insurance must be cooperative Islamic insurance, borne by the owner/lessor and not the lessee. The described form is not like that, so it is not permissible to engage in this contract.