I strongly suggest that you continue to rent until you can qualify for a traditional mortgage; then go shopping for a home. Put the money that you would have spent on the surcharge into a savings account. Fix your credit. And before long you'll have a home of your own.
Don't Let Them Make a Monkey Out of You! Follow the link below.
Consumer Advocate/Exclusive Buyer Broker
Other wise you can try just asking landlords if they would consider to rent to own.
If you like feel free to contact me and I can put you in contact with a team member able to assist you.