Your finance method limits your availability to "For Sale By Owner" and "House For Rent". Have you met with your bank, credit union, or broker mortgage loan officer? They have the application to answer your hard questions. If you don't qualify for a mortgage loan, you will have to ask the landlord if they are willing to rent you the house with an option to purchase the house after the first year for an agreed price? The price will need to be amortized with every payment based on an agreed interest rate until you qualify for the mortgage.