As a Realtor, I can also help you find traditional lease options, but I would strongly advise you to get help from a bona-fide, honest and free credit counselor. I work with a loan officer who specializes in cases like yours and can fix your credit free.
Mrs. Patricia Baxter, MA, MPA
Realtor with Nextage Achieve Realty
Manager Charles Stuart Homes
513 891 9300 (office)
513 225 0045 (cell)
With your income, you should take the time to resolve your credit. Credit repair is fairly simple but takes the discipline and time to do this.
Lots can be written on how to do it but the simplest steps are pay your bills on time, get a copy of your 3 credit reports and resolve any errors. Pay down balances to at least 1/3 of the high credit, or just pay them off completely. Do not close any accounts; this will lower your score. Do not pay off any old collections until required to by a lender for your mortgage.
Be wary of companies or individuals, who will do this for an upfront fee, there are scams out there.
I'd be happy to meet with you and review your credit and help you create a plan to raise your score.
Your other options would be to either doe a lease-option (rent to own) or a land contract.
Scott Baker, Realtor
ERA Real Solutions
513-227-5897 cell or text