I have an investor visiting my office tomorrow regarding a rent to own program that they offer. I can pose this questions to them to see if they will go outside of the normal qualifying guidelines since they are looking for you to be able to purchase the home from them in 5 years or less. This gives you time to get the required credit history, and your girlfriend to repair her's. You are more then welcome to give me a call and I will go over some more of the details with you. I can be reached at 909-731-8675.
Hopefully the rep from the investor will give me a favorable answer for you.