As others have said, buying is your best option. Rents are going up, interest rates are going up, values going up.... Rent to own is NOT a good option for a buyer. For one, it rarely works in favor of the buyer. Especially now. Years ago when it was more of a Buyer's Market (instead of the Seller's Market) that we're in), many desperate Sellers offered Rent to Own for those buyers who couldn't qualify for a regular mortgage. Now, it's not a problem for sellers to find normal buyers. I would talk to a lender and see what you need to do in order to qualify for a mortgage. I have a few great local lenders I'd be happy to refer you to.