I would be happy to talk with you about your home buying options. I work in the Greater Tampa area and have helped many first time buyers through the process. Please review my profile on Trulia and send me a message. You can also contact me at TracyHoyt Realtor@gmail.com or call me directly at 813-352-6219.
No pressure just help.
However, as Anna said: If you're able to buy, it's often better to buy. Lease-options can be the best choice for some folks--often people who have had something happen to their credit and aren't in a position to buy now, but expect to be within a year or two. In other cases, though, simply buying (or simply renting for a year or two) can be a better choice.
Here's a link to a blog I wrote on how to find lease-options: http://bit.ly/findaleaseoption
A couple of tips: You shouldn't have to pay anyone for "lists" of lease-option properties, or for access to a site that lists them. Inside secret: There's plenty of money for investors involved in lease-options--typically several thousand dollars up front, several hundred dollars a month, and maybe 5%-15% of the value of the property if you buy. There's no need for any investor to charge anything for lease-option listings.
Also, find a lawyer, but one who knows and understands lease-options, to review your paperwork.
Hope that helps.
we have always several houses in the Tampa Bay area that we can sell "rent to own". If you want to contact me (email@example.com), I can email you a list of currently available properties.
The downpayments range between $1,500 and $3K. Monthly mortgage will be around $600 to $900 (depending on size of house).