In Williamson and Travis Counties, I see more Contracts for Deed and Seller Financing transactions than "lease-to-own." Although a Realtor can certainly help you locate something when you're ready to move forward, you should consider consulting with a real estate attorney first. You can typically figure out your best option within the first appointment, and he/she can explain the differences and pros/cons for each option so you know what to expect. This information will help TREMENDOUSLY when you contact a Realtor to locate sellers willing to sign off on these transactions. The down payment requirement will vary depending on the property and the seller, of course, so it's difficult to make a suggestion. The size of property you desire will be more limiting, simply due to the location, but Leander, Liberty Hill, parts of Round Rock, Cedar Park, & Georgetown offer acre+ lots. I used to work with a real estate attorney, and it's very common for these questions to arise. :) Remember, though, the interest rates will almost certainly be higher than "standard" mortgage rates. You have options, though, so rest easier. I would begin trying to save 3% down for whatever you've budgeted as a purchase price, and see a good real estate attorney soon, so you can begin saving for the right purchase/loan option for your circumstances.