Hi there ...
No one seems to be jumping in to help you.
Let me be the first.
I find that land contracts are extremely difficult to finance. Most lenders want about 50% down and pretty good credit. You have to understand that it is just not that good of a collateral.
Re: Lease with option to buy also want money up front (most not all) HOWEVER you might try a few things. If you could find a house you like that is listed for rent you could call and ask them if they would consider leasing it with an option to purchase. Just ask. Most of the terms of a lease w/ option are negotiable but make sure to get it in writing. They really might work with you if you tell them exactly how you intend to proceed with the purchase, your time frame etc. If you do this make sure you document all payments you make and if it were me I would say the purchase price (when you decide to do the purchase) is dependent on the appraised value of the property at the time.
Also IF they want a credit report on you be prepared to explain your credit issues and make sure that all of your rent payments for the past year+ have been on time ~ it could be an issue.