What is your question exactly? Owner financing is not a great way to go. Rarely does it work out. Most sellers are able to sell to normal buyers who qualify for a regular mortgage. Buyers just end up paying higher rent and then in the end can't buy the place anyway, so all that money goes down the drain.
If you're a buyer, I would focus on getting qualified for a regular mortage. That means saving $, and getting your credit score up.