Good luck in your search
There are some lease option properties that are out there. There are also properties on the market where seller financing is an option depending on the size of the initial down payment. I would recommend that you find a good agent to work with who can help you explore what options are out there for you. Please feel free to contact me if I can answer any questions for you. Best of luck in your search.
Real Estate Consultant
Keller Williams Gulfside Realty
You are desperate!
Your Credit or Finances, or both, will not allow you to go the conventional route:
You need the Seller to help you out!
The Seller will know it, and you are going to pay dearly for this service:
There aren't too many altruistic Sellers out there.
The terms that can be written into a Lease/Option can be dangerous to you:
How long is the Option period?
How much money are you putting in to the Option?
What happens if you are not able to execute the Option?
How do you know what your financial situation will be 2-5 years from now?
How much is the rent in the meantime?
Who will be responsible for maintenance and repair in the meantime?
What will be the Market Value 2-5 years from now?
What will be the Selling price 2-5 years from now?
This is the Ultimate Caveat Emptor!
Good luck and May God bless