Well - any seller who wants to sell does so now, not later...they don't put it off unless they can't afford to sell at today's market price.......or their expectations are too high...or they hope the buyer will forfeit their deposit.
Do you really understand what is involved in a "rent with the option to buy" agreement?
1. non refundable deposit money....either as an upfront payement.....or an amount of rent over and above the normal rent. This overage would be applied to the purchase price when you buy the home - or forfeited - if you did not buy the home for whatever reason.
2. the sale price is decided now, not at the end of the lease term
3. if you don't qualify for a loan now, or don't have a down payment, you better make sure you will have everything in place later, or lose your deposit.
4. contrary to what a lot of buyers think - all of your rent will not go towards the purchase price - only the amount over and above the normal rent.....can you afford to lose that deposit money if you cannot proceed with the purchase?
Please make sure you understand the potential dangers lurking for a buyer....these agreements usually favor the seller.
Get an attorney involved before signing anything if you should decide to pursue this.
My advice would be to rent for now while saving money and repairing your creidt if that's whats holding you back now. Buy when you can do so in the customary manner.