You have to be VERY careful before entering into a rent-to-buy scheme.
If you have good credit (640 middle FICO) and just need downpayment assistance, the State of Florida Bond program is giving away $15,000 to first time homebuyers! A single person can even earn up to $82,600 and still get this money. There is plenty of money available so don't let an unscrupulous lender tell you otherwise. You'll have to take an online buyer's class and you can close in 30 days. Not a lot of hoops to jump through like some of the County programs with lower income maximums.
So let me know if you have a good credit rating and just simply need the $15k money to buy a home.
Otherwise if you find a rent to own deal then tell them you will pay a Title Company to review the title before making any decision to move forward. Also do a permit search to be sure it isn't a sinkhole home!
All the best,
Alma and Teresa Kee