Hi, I don't want to totally nay-say renting to own because there is a purpose. However, you've asked about financial stability. Here are some risks: 1) Your "rent": unless you pay more than fair market rent, nothing you pay (except down payment) would be considered towards the equity of the home. 2) If you sign a contract which sets the sales price today, who's to say what the value of the home would be whenever your contract would end?? 3) Extreme worse case: someone signed a lease to own, put down $5,000 to find out 3 months later there was a Sheriffs sale notice put on their door. That was a bad situation. You asked about the lowest income -- it doesn't matter so long as it's stable. Although, your income is what drives the loan amount you'd qualify for. Which begs the question, have you tried to get prequalified/preapproved for a purchase? You may be surprised that you could possibly just buy it versus the risk of the renting to own..? If you might have any add'l questions, I'd be happy to help. Best wishes otherwise, Kimberly Lawson, Licensed Mortgage Loan Originator - Ohio only. Contact and licensing information can be found on my profile.