Something else you may want to look into is the "For Rent" section of the local newspaper or Craigslist. Some of these people have decided that they have to rent their house out because they've already been unsuccessful selling it themselves or with a Real Estate Agent.
When you find a house that meets your criteria (purchase price, rental payments as close to what your future mortgage payments would be, bed, bath, etc) tell them that your very interested in their house but only if they would give you the option to purchase at the end of the lease. Some may not bite but some may give you the..."WOW, that would be great since i couldn't sell it when it was listed!"
You had also mentioned that you are a little younger and haven't had enough time to build up a good credit history. I work with a company that was pretty much created to help people work on their credit while they were leasing-to-own a house. Their name is Envision Financial Solutions out in Keller, TX. We work with them to assist people (usually the Tenant/Buyers in our Lease to Own homes) in improving their credit, as well as establishing credit lines to those who need some history. Rachel Robertson is the woman who handles most of the details. If you would like to contact her and ask some questions, her email address is email@example.com or her phone number is 866-246-5497. She's really great and very laid back.
Hopefully i've given you some other avenues. Best of luck!
If you are working with a Realtor, you may want to have him/her do a search on MLS with the search criteria that specifies (rent/option or possibly Seller may assist) Then any listings that state that the Seller may entertain a rent with option to buy would pop up.
It may be difficult for you to do this search on public access sites, depending on the search criteria the site allows. I know of a side by side "townhouse-style" condo in Schofield that may be a possibility for you rent until you are in a more secure position to buy. (As property is currently for sale and is vacant. Seller would consider a rental. It is on MLS #806651 http://www.teamtotrust.com
All the Best to you
In todays market there are more rent to own homes out there than there used to be.
Sellers are in jams and need to get someone in right away. I must warn you that some sellers
will want you to put a downpayment down but some will not.
What price range are you in? I do have some contacts that do rent to own. There really isn't a published list or website of these homes but I would be happy to work with you in finding something. Sometimes Realtors won't work with people on this because there is little chance that they will get paid from it. But I would be happy to help!
Lana Stollenwerk (715) 212-6753