I create my own problems:
Info on Lease Option or Rent to Own:
Criminal Credit Repair:
Down Payment Assistance in KY:
One important point: Relatively few properties appear on the MLS listed as lease-to-own (or lease-option, lease-purchase, etc.). Some do, but not too many. Usually, the strategy is to approach homeowners (in the case of properties for sale) or landlords (in the case of properties for rent) and ask them if they'd consider doing a lease-option. I've found that if you identify good prospects (see my blog for some guidance), somewhere between 30% and 40% are open to the possibility.
One tip: Even though you're hoping/planning to be able to purchase during the first year, protect yourself by getting as long an option as possible--2-3 years, at least. That way, if you somehow can't quickly qualify, you still have time.
Hope that helps.