rent to own favors the seller, not the buyer..I do not recommend it!!
The price is usually set at the beginning of the lease, and an upfront deposit is expected. This deposit is NON-REFUNDABLE if you do not buy the home for any reason. You may also be expected to pay an amount of rent OVER and above the usual rent - only that rent overage would be applied to the purchase, not the entire rent (which is what a lot of people think) ...........and........that rent overage would also be forfeited if you do not buy the home.
You will have very few homes from which to choose as most people who want to sell their homes, and CAN sell, sell now not later.
You have to hope the seller isn't upside down on their mortgage and that they stay current with their payments - otherwise say goodbye to your money.
Lots of risks!
I suggest for now you rent in the normal was while working on whatever it is that is keeping you form buying a home . Once you're ready and able to proceed, then you will have the full selection of homes from which to choose.
Sit down with a lender now, and see what you need to do in order to be able to buy a home in the future.