Check out Sorented.com if you are in the market for a new home or rental. It houses all of the homes for sale in Philadelphia plus the surrounding areas,it also has a huge selection of rentals. I found a great home for my family, and a rental for my son who is in college.
a 640 credit score will qualify you for fha financing. if you lean toward the rent to own type of deal, be careful a lot of people look to unload a distressed property using rent to own gimmick. many with harsh terms. it might be better to just rent for a while and get your credit score up and do it the right way. remember: if it looks too good to be true it probably isnt. I am sure you will be flooded with offers from people willing to take care of you with the emphisis on take