As the others have mentioned, the rent-to-own market is pretty small out here and with your timeframe it might not work. Have you considered renting for a year or two, and while renting work on improving your credit so you can qualify for a good loan option?
I admire your desire to own a home; however, renting for a while and using this time to rebuilt your credit is probably a better approach. There are very few rent to own options and most are overpriced - you are limiting yourself to a very tiny inventory of homes. I do not want to see you regret your decision because it was made in haste and with adverse long term consequences.
You can search rental homes on my website by selecting MAP search. Let me know if you'd like to preview any of those homes: http://www.realtorviviannerutkowski.com/cgi-bin/aa.fcgi?+YjQ
However, that is a pretty tight time frame. Still, e-mail me your information. Also--just curious since I am pretty active in lease-options in Northern Virginia--include any information you can on who scammed you.
Hope that helps.
Remember to keep the main thing the main thing. In this case the main thing is to find a place to live. This should not be a fire drill issue, so call me at 703-855-7299 or email at firstname.lastname@example.org.
Rentals happen fairly quickly - usually within a few days. If you have credit issues, there are ways to position your application so that you have a better shot at your app being accepted. Also, the big players in the rental business have less at risk than an individual landlord, and they are more likely to accept a marginal application.
One of the things I'd suggest for the long term, if you truly want to purchase down the road, is to work with a lender who specializes in helping you clean up credit issues. Few loan officers offer this service, but those who do are well worth knowing.
You've had a number of agents respond so I'll leave it here. If you'd like to get in touch or discuss further, my office number is 703-547-8451. Calls to this number forward to my cell.
For info on who we are, see our Web site at http://www.therandrteam.com
Click the following URL to see the listings:
Please let me know if you are interested...
Meredith S. Coughlin
National Realty, LLC
NVAR Multi-Million Dollar Sales Club
â€œVoted Northern Virginiaâ€™s Best Realtor by Northern Virginia Magazineâ€