I assume you are referring to Upland and Rancho Cucamonga for your purchase. I was born and raised in Upland and Rancho (before it was Rancho) and love the area. You can find everything you want ranging from large custom homes, to historic homes, to new homes, to horse property to standard tract homes. Finding a lease-to-own will not be that easy. You may want to wait awhile rather than rush into something that might not be ideal for you. But when you speak with the lender & Realtor, you'll have a better idea of what route to go.
By the way, are you already working with an agent? The FIRST and foremost step in purchasing a home is to get with a Realtor. Check with friends and family to see if they can refer someone to you or research sites, such as this one to find a good professional Realtor. Your SECOND step is to get pre-qualified for a loan. AFTER you find a Realtor, he or she will have you meet with the lender that he or she uses regularly. This is important. Please let me know if I can help or if you have any more questions.
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Keller Williams Realty