It has been awhile since you posted this question. Have you spoken with a lender regarding this since Jun of last year? I would like to speak with you to assess your situation and get you qualified to purchase.
I see your question is from last summer. Are you still looking for owner financed property in Coeur d'Alene area? I would be happy to help you in your search if you are in the market for north idaho real estate. 208.699.8452
You will want to work with a mortgage company (if you haven't already) to learn EXACTLY what you have to do to qualify down the road so that you are assured you will in fact qualify when you need to (provided mortgage rules don't change between now and then).
Sometimes you can deal with a "portfolio" lender or a "hard money" lender that can still do financing although at a higher interest rate.
I have several friends that Realtor's in that area that would be glad assist if you like.
Best of luck!