I am in Texas, but what I see here is that rent to own, lease to own, and lease purchase is nearly always a recipe for disaster. If you are not ready to buy, just lease. Lease as cheap as you can stand and save the difference between the rent and what you can really afford for a down payment in the future. You'll be much better off. We just see too many scams and bad deals on the rent to own front.
Remember though in some situations it may be beneficial for a family to use a rent to own to purchase a house. The main hurdle is understanding exactly how a rent to own works.
Try doing a search on "how does rent to own work" for further information
Good luck to you! Greg Z