Lenders do not own property for rental or lease purposes. This is an arrangement that would have to be arranged with the home owner. For rent to own options, it would be advisable to work with a local real estate professional that may have access to this type of information.
If it is a bank owned home, the lenders evict the occupants to bring about a quicker sale, they do not then rent out the homes. There are investors who buy and will lease purchas ebank owne dhomes, a good buyer broker owuld be able to point you in the right direction if there are any avbailable in your area..
Please see my blog on rent to own with tips and advice to help you
You set up a rent-to-own with the seller. The owner. You then rent for a period of time--say a couple of years. Then when you're ready to buy, you just get an ordinary, conventional loan. Any option fee or rent credits will be reflected in the owner's price reduction on the property.
But by the time you get to the lender, you're just an ordinary borrower.