First thing you want to determine is if you truly need a rent to own option. I have worked with clients this year that thought their credit was not going to allow them to buy. Turns out that they actually could through programs like FHA or Fannie Mae.
There are positives and negatives to rent to own. It gets you into a home today, but there is an additional cost to you up front. It is better than renting outright if home ownership is your ultimate goal.
Before making any moves, talk with a mortgage broker to understand where your credit situation leaves you. Most agents have direct connections with a few brokers that they can recommend.
Broker Baird & Warner