Sorry, I am a homeowner in the area and am thinking of selling. In my opinion you are a poor investment risk. You are essentially asking for seller backed financing. If your "ugly credit" is preventing a traditional lending institution from loaning you money for a mortgage, why would a regular joe like me want to risk renting to you? I don't mean to be rude, just honest. Good luck.

Teri,

I received your email but was not able to respond. I wish you the very best. 1 important note, once you are approved you will have bargaining power with sellers. Let me know how you make out!

Linda J Sears

Teri,

Couple of quesitons for you. Would you qualify as a first time home buyer. If you do, Bank of America is offering a wonderful program which is 100% financing with no PMI. The rate is usually low to mid 6's. It is not dependant on a credit score and you can be in a home for $500.00 out of pocket. There are closing costs attached but they can be in the form as a gift or paid by the seller (adjust the contract price). If you are not a first time home buyer they are offering 95% financing with no PMI. Check with your local Bank of America. They are offering the very best programs right now.

PS hope you enjoy Milton. It was a beautiful place when I lived in Massachusetts.

Best of Luck,
Linda J Sears

It's not too often that you see people marketing their property lease to own. However that doesn't mean the option isn't available. You can make an offer on any property with any number of requests, it just depends on wether or not the seller is willing to accept it. In a softer market, it is more likely that a seller would be open to creative ways of selling their home.
Just be sure that you know what you're getting into. Consult a real estate attorney to make sure everything is made clear to you before you act.