Do not despair!
Although conventional lending has become tied up a little tighter. The old fashion method of owner financing is still legal and still performed.
Owner Financing is a good option. Make sure it is structured properly, and you do so with an experienced Realtor in this venture.
though in California, My office has a handful of Owner-Will-Carry situations. However most are contingent upon your cashing out or refinancing in 2-5 years. Most owners that are willing to do what is called an "All inclusive trust deed" or "Lease Option" here in California that I have met are not willing to hold the note for very long and are just looking to sell and move on. So raising your score through diligent care and repair is PARAMOUNT.
When you do have it structured, make sure that the payment is legitimate, and the property is not within some form of foreclosure, and I would suggest having it recorded (your Realtor will help you out with that). As well as having the property's payment done through a title servicing company or other form of escrow.
You will have to have a down payment towards the property, but as this is with an individual, it can be negotiated (a good rule of thumb is 10% down). and make sure your documents are in order to prove that you are able to make the payments.
I happen to know of a condo in Athens, GA that is a friend of mine's that may be willing to go "Owner Financed"