Most sellers do not offer rent to own in any shape or form. Most want to sell and not be landlords and hope you can buy the house, which requires you to get a loan from a bank to do so. If you can't get a loan now, why do you think you can in a year? Do you really understand how rent to own works? They are rare to find because them working out is even more rare. Sellers do want to fool with them.... more
The Louisville has been lucky in some regard when it comes to unemployment, although the area is seeing employment down we are still not as bad as some areas or other states. The Louisville area in general is only down about 8% and there are still jobs to be had for someone that wants to work. Good luck and I wish for the best for you.