I think sites that make you pay to search are using the same format that many online newspapers and magazines are migrating toward: They compile information using their time, energy and resources--they had to invest money, build a website, pay to host it, pay to keep it updated, pay for security so it can't be hacked, meet payroll, pay taxes, advertising costs, equipment costs, utilities--along with a zillion other things--they should get a return on investment.
As stated previously, your best resource is a Realtor who can provide you with up to date information on bank owned/foreclosed homes. I would be giving you unrealistic expectations if I said you will find a REO property for rent or rent to own. Banks are in the business of lending money not renting out foreclosed property. The foreclosed home is a non-performing liability. The goal is to sell it fast, minimize losses.
If you don't have the cash for closing costs or a down payment--there are grants available, you can utilize seller concessions and 100% financing programs. A Real Estate Professional can explain all options available and put you on the path to home ownership. Your best resource for information is a Realtor--who will know which direction or program is best for you.