Haig is right...it also depends on the location of the property
USDA rural housing loans are 100% financing. Also, it help if you work with a lender that can give you a "lender credit" to help with your closing costs and Prepaid items.
I'll be happy to explain further...
You did not specify where the property is so no one can really answer your question. Most home sellers need to sell and not become a landlord, so most homes listed for sale will not do a rent to own. Rent to own's are notoriously bad deals for both sellers (because the buyers don't end up buying it) and for buyers (who are renters for a reason and will likely remain renters).
I suggest you rent until you are 100% able to buy, they buy and avoid rent to own.... more
Your first step is to contact a loan officer. In most cases a nurse can waive the 2 year on the job requirement granted she provides a copy of diploma and college transcripts. You will need to secure full time employment and provide a loan officer with either an employment contract or a copy of your first paycheck. We will then order a Verification of Employment from your new employer and as long as everything lines up you should be on your way to a pre-approval.
Please note that every applicant is different and it is imperative that you obtain a full pre-approval before putting an offer on a home.
If you have any additional questions feel free to call anytime.