Doesn't own, say

LEASES

Think of a way to use something temporarily without buying it outright.

The clue "Doesn't own, say" hints at a situation where someone uses something without having full ownership. "Say" suggests this is just one example of how that might happen. The answer "LEASES" fits because leasing is a common way to use property or items (like a car or apartment) without buying them outright. The wordplay is straightforward—no tricks, just a direct definition with "say" implying it’s one of many possible answers.