Many clients overlook potential loan programs that are not 100% FICO Score Driven. For example I know of a Loan Program for Native Amercians not FICO driven, 98% Financing, FIxed 30 Yrs FHA Rate.
A local Realtor can help you with this. Your best bet would be to get the credit in order first as there will be a problem whether you are renting, purchasing or doing a lease option. Your credit will be run.